AFC Gamma Inc (AFCG)vsStarwood Property Trust Inc (STWD)
AFCG
AFC Gamma Inc
$2.61
-0.38%
REAL ESTATE · Cap: $58.82M
STWD
Starwood Property Trust Inc
$17.48
+0.63%
REAL ESTATE · Cap: $6.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Starwood Property Trust Inc generates 27673% more annual revenue ($547.93M vs $1.97M). STWD leads profitability with a 75.1% profit margin vs 0.0%. STWD earns a higher WallStSmart Score of 67/100 (B-).
AFCG
Avoid32
out of 100
Grade: F
STWD
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for AFCG.
Margin of Safety
+66.4%
Fair Value
$53.82
Current Price
$17.48
$36.34 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 120.1% year-over-year
Reasonable price relative to book value
Keeps 75 of every $100 in revenue as profit
Revenue surging 62.6% year-over-year
Earnings expanding 78.0% YoY
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -11.0% — below average capital efficiency
Earnings declined 85.1%
ROE of 6.0% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFCG
The strongest argument for AFCG centers on Price/Book, Revenue Growth. Revenue growth of 120.1% demonstrates continued momentum.
Bull Case : STWD
The strongest argument for STWD centers on Price/Book, Profit Margin, Revenue Growth. Profitability is solid with margins at 75.1% and operating margin at 11.2%. Revenue growth of 62.6% demonstrates continued momentum.
Bear Case : AFCG
The primary concerns for AFCG are Market Cap, Profit Margin, Return on Equity.
Bear Case : STWD
The primary concerns for STWD are Return on Equity, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AFCG profiles as a hypergrowth stock while STWD is a growth play — different risk/reward profiles.
STWD carries more volatility with a beta of 1.11 — expect wider price swings.
AFCG is growing revenue faster at 120.1% — sustainability is the question.
STWD generates stronger free cash flow (190M), providing more financial flexibility.
Bottom Line
STWD scores higher overall (67/100 vs 32/100), backed by strong 75.1% margins and 62.6% revenue growth. Both earn "Strong 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.
AFC Gamma Inc
REAL ESTATE · REIT - MORTGAGE · USA
AFC Gamma, Inc. originates, structures, underwrites and administers senior secured loans and other types of loans for established companies operating in the cannabis industry in states that have legalized medical and / or adult cannabis. The company is headquartered in West Palm Beach, Florida.
Starwood Property Trust Inc
REAL ESTATE · REIT - MORTGAGE · USA
Starwood Property Trust, Inc. is a real estate investment trust (REIT) in the United States and Europe. The company is headquartered in Greenwich, Connecticut.
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