New York Mortgage Trust, Inc. (ADAM)vsAnnaly Capital Management, Inc. (NLY)
ADAM
New York Mortgage Trust, Inc.
$7.39
-1.20%
REAL ESTATE · Cap: $664.99M
NLY
Annaly Capital Management, Inc.
$21.41
+1.57%
REAL ESTATE · Cap: $15.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 656% more annual revenue ($2.38B vs $315.03M). NLY leads profitability with a 85.1% profit margin vs 47.3%. ADAM appears more attractively valued with a PEG of 2.50. NLY earns a higher WallStSmart Score of 75/100 (B).
ADAM
Strong Buy69
out of 100
Grade: B-
NLY
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+6.6%
Fair Value
$8.54
Current Price
$7.39
$1.15 discount
Margin of Safety
+83.2%
Fair Value
$135.72
Current Price
$21.41
$114.31 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 47 of every $100 in revenue as profit
Strong operational efficiency at 48.4%
Revenue surging 189.6% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 85 of every $100 in revenue as profit
Strong operational efficiency at 93.7%
Revenue surging 113.9% year-over-year
Earnings expanding 81.1% YoY
Areas to Watch
Expensive relative to growth rate
0.6% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ADAM
The strongest argument for ADAM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 47.3% and operating margin at 48.4%. Revenue growth of 189.6% demonstrates continued momentum.
Bull Case : NLY
The strongest argument for NLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 85.1% and operating margin at 93.7%. Revenue growth of 113.9% demonstrates continued momentum.
Bear Case : ADAM
The primary concerns for ADAM are PEG Ratio, EPS Growth, Market Cap.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 6.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
NLY carries more volatility with a beta of 1.30 — expect wider price swings.
ADAM is growing revenue faster at 189.6% — sustainability is the question.
NLY generates stronger free cash flow (472M), providing more financial flexibility.
Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NLY scores higher overall (75/100 vs 69/100), backed by strong 85.1% margins and 113.9% revenue growth. Both earn "Strong 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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