WallStSmart

Ares Commercial Real Estate (ACRE)vsAGNC Investment Corp. (AGNCN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 2373% more annual revenue ($1.80B vs $72.68M). AGNCN leads profitability with a 92.9% profit margin vs -1.2%. AGNCN earns a higher WallStSmart Score of 61/100 (C+).

ACRE

Hold

41

out of 100

Grade: D

Growth: 4.0Profit: 2.0Value: 4.0Quality: 3.8
Piotroski: 4/9Altman Z: -0.23

AGNCN

Buy

61

out of 100

Grade: C+

Growth: 4.7Profit: 8.0Value: 5.0Quality: 2.5
Piotroski: 2/9Altman Z: -0.95

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACRE1 strengths · Avg: 10.0/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

AGNCN3 strengths · Avg: 9.3/10
Profit MarginProfitability
92.9%10/10

Keeps 93 of every $100 in revenue as profit

Operating MarginProfitability
95.9%10/10

Strong operational efficiency at 95.9%

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

ACRE4 concerns · Avg: 2.3/10
Market CapQuality
$260.23M3/10

Smaller company, higher risk/reward

PEG RatioValuation
2.572/10

Expensive relative to growth rate

Return on EquityProfitability
-0.2%2/10

ROE of -0.2% — below average capital efficiency

Revenue GrowthGrowth
-81.7%2/10

Revenue declined 81.7%

AGNCN3 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.952/10

Distress zone — elevated risk

Debt/EquityHealth
8.211/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ACRE

The strongest argument for ACRE centers on Price/Book.

Bull Case : AGNCN

The strongest argument for AGNCN centers on Profit Margin, Operating Margin, Price/Book. Profitability is solid with margins at 92.9% and operating margin at 95.9%.

Bear Case : ACRE

The primary concerns for ACRE are Market Cap, PEG Ratio, Return on Equity. Debt-to-equity of 2.06 is elevated, increasing financial risk.

Bear Case : AGNCN

The primary concerns for AGNCN are Piotroski F-Score, Altman Z-Score, Debt/Equity. Debt-to-equity of 8.21 is elevated, increasing financial risk.

Key Dynamics to Monitor

ACRE profiles as a turnaround stock while AGNCN is a mature play — different risk/reward profiles.

AGNCN carries more volatility with a beta of 1.35 — expect wider price swings.

AGNCN is growing revenue faster at 5.5% — sustainability is the question.

AGNCN generates stronger free cash flow (128M), providing more financial flexibility.

Bottom Line

AGNCN scores higher overall (61/100 vs 41/100), backed by strong 92.9% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Ares Commercial Real Estate

REAL ESTATE · REIT - MORTGAGE · USA

Ares Commercial Real Estate Corporation, a specialized finance company, originates and invests in commercial real estate loans (CRE) and related investments in the United States. The company is headquartered in New York, New York.

AGNC Investment Corp.

REAL ESTATE · REIT - MORTGAGE · USA

AGNC Investment Corp. The company is headquartered in Bethesda, Maryland.

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