WallStSmart

AT&T Inc. 5.35% GLB NTS 66 (TBB)vsTPG RE Finance Trust Inc (TRTX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TRTX leads profitability with a 43.9% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. TRTX earns a higher WallStSmart Score of 52/100 (C-).

TBB

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 5.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.87

TRTX

Buy

52

out of 100

Grade: C-

Growth: 2.7Profit: 7.0Value: 6.0Quality: 2.5
Piotroski: 2/9Altman Z: 0.09

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TBB3 strengths · Avg: 9.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Market CapQuality
$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality
$5.17B8/10

Generating 5.2B in free cash flow

TRTX4 strengths · Avg: 9.5/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
43.9%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
43.5%10/10

Strong operational efficiency at 43.5%

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

TBB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

TRTX4 concerns · Avg: 2.8/10
Market CapQuality
$603.02M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.6%3/10

ROE of 5.6% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-11.6%2/10

Revenue declined 11.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : TBB

The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.

Bull Case : TRTX

The strongest argument for TRTX centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 43.9% and operating margin at 43.5%.

Bear Case : TBB

The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin.

Bear Case : TRTX

The primary concerns for TRTX are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 3.36 is elevated, increasing financial risk.

Key Dynamics to Monitor

TBB profiles as a value stock while TRTX is a declining play — different risk/reward profiles.

TBB is growing revenue faster at 0.0% — sustainability is the question.

TBB generates stronger free cash flow (5.2B), providing more financial flexibility.

Monitor REIT - RESIDENTIAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TRTX scores higher overall (52/100 vs 25/100), backed by strong 43.9% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AT&T Inc. 5.35% GLB NTS 66

REAL ESTATE · REIT - RESIDENTIAL · USA

AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.

TPG RE Finance Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

TPG RE Finance Trust, Inc., a commercial real estate finance company, originates, acquires and manages commercial mortgage loans and other commercial real estate-related debt instruments in North America. The company is headquartered in New York, New York.

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