New York Mortgage Trust, Inc. (ADAM)vsAnnaly Capital Management, Inc. (NLY)
ADAM
New York Mortgage Trust, Inc.
$5.93
-9.33%
REAL ESTATE · Cap: $590.59M
NLY
Annaly Capital Management, Inc.
$18.49
+1.43%
REAL ESTATE · Cap: $13.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 265% more annual revenue ($1.39B vs $381.67M). NLY leads profitability with a 80.3% profit margin vs 53.0%. ADAM appears more attractively valued with a PEG of 2.50. ADAM earns a higher WallStSmart Score of 81/100 (A-).
ADAM
Exceptional Buy81
out of 100
Grade: A-
NLY
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+14.8%
Fair Value
$9.37
Current Price
$5.93
$3.44 discount
Intrinsic value data unavailable for NLY.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 53 of every $100 in revenue as profit
Strong operational efficiency at 51.7%
Revenue surging 129.8% year-over-year
Earnings expanding 21.2% YoY
Reasonable price relative to book value
Keeps 80 of every $100 in revenue as profit
Strong operational efficiency at 107.3%
Revenue surging 479.4% year-over-year
Earnings expanding 3426.0% YoY
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
ROE of 7.2% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ADAM
The strongest argument for ADAM centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 53.0% and operating margin at 51.7%. Revenue growth of 129.8% demonstrates continued momentum.
Bull Case : NLY
The strongest argument for NLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 80.3% and operating margin at 107.3%. Revenue growth of 479.4% demonstrates continued momentum.
Bear Case : ADAM
The primary concerns for ADAM are PEG Ratio, Market Cap, Altman Z-Score. Debt-to-equity of 7.70 is elevated, increasing financial risk.
Bear Case : NLY
The primary concerns for NLY are Return on Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 8.04 is elevated, increasing financial risk.
Key Dynamics to Monitor
ADAM carries more volatility with a beta of 1.30 — expect wider price swings.
NLY is growing revenue faster at 479.4% — sustainability is the question.
NLY generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ADAM scores higher overall (81/100 vs 73/100), backed by strong 53.0% margins and 129.8% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
New York Mortgage Trust, Inc.
REAL ESTATE · REIT - MORTGAGE · USA
Adamas Trust, Inc. acquires, invests in, finances, and manages mortgage-related single-family and multi-family residential assets in the United States. The company is headquartered in New York, New York.
Annaly Capital Management, Inc.
REAL ESTATE · REIT - MORTGAGE · USA
Annaly Capital Management, Inc., a diversified capital manager, invests in and finances residential and commercial assets. The company is headquartered in New York, New York.
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