WallStSmart

AGNC Investment Corp. (AGNC)vsApollo Commercial Real Estate Finance Inc (ARI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 285% more annual revenue ($2.40B vs $624.29M). AGNC leads profitability with a 94.4% profit margin vs 21.1%. ARI appears more attractively valued with a PEG of 1.33. ARI earns a higher WallStSmart Score of 75/100 (B).

AGNC

Strong Buy

75

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 4.7Quality: 2.5
Piotroski: 3/9Altman Z: -0.93

ARI

Strong Buy

75

out of 100

Grade: B

Growth: 5.3Profit: 7.0Value: 7.0Quality: 6.5
Piotroski: 4/9Altman Z: 0.23
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCSignificantly Overvalued (-45.0%)

Margin of Safety

-45.0%

Fair Value

$7.88

Current Price

$9.88

$2.00 premium

UndervaluedFair: $7.88Overvalued

Intrinsic value data unavailable for ARI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNC6 strengths · Avg: 10.0/10
P/E RatioValuation
5.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
94.4%10/10

Keeps 94 of every $100 in revenue as profit

Operating MarginProfitability
95.6%10/10

Strong operational efficiency at 95.6%

Revenue GrowthGrowth
546.0%10/10

Revenue surging 546.0% year-over-year

EPS GrowthGrowth
772.0%10/10

Earnings expanding 772.0% YoY

ARI6 strengths · Avg: 9.7/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Operating MarginProfitability
91.2%10/10

Strong operational efficiency at 91.2%

Revenue GrowthGrowth
525.0%10/10

Revenue surging 525.0% year-over-year

Profit MarginProfitability
21.1%9/10

Keeps 21 of every $100 in revenue as profit

Debt/EquityHealth
0.309/10

Conservative balance sheet, low leverage

Areas to Watch

AGNC4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.482/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.932/10

Distress zone — elevated risk

Debt/EquityHealth
7.161/10

Elevated debt levels

ARI3 concerns · Avg: 2.3/10
Market CapQuality
$868.96M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-10.0%2/10

Earnings declined 10.0%

Altman Z-ScoreHealth
0.232/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AGNC

The strongest argument for AGNC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 94.4% and operating margin at 95.6%. Revenue growth of 546.0% demonstrates continued momentum.

Bull Case : ARI

The strongest argument for ARI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.1% and operating margin at 91.2%. Revenue growth of 525.0% demonstrates continued momentum.

Bear Case : AGNC

The primary concerns for AGNC are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 7.16 is elevated, increasing financial risk.

Bear Case : ARI

The primary concerns for ARI are Market Cap, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

ARI carries more volatility with a beta of 1.45 — expect wider price swings.

AGNC is growing revenue faster at 546.0% — sustainability is the question.

AGNC generates stronger free cash flow (218M), providing more financial flexibility.

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

Bottom Line

AGNC scores higher overall (75/100 vs 75/100), backed by strong 94.4% margins and 546.0% 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.

AGNC Investment Corp.

REAL ESTATE · REIT - MORTGAGE · USA

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

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Apollo Commercial Real Estate Finance Inc

REAL ESTATE · REIT - MORTGAGE · USA

Apollo Commercial Real Estate Finance, Inc. is a real estate investment trust (REIT) that originates, acquires, invests, and manages commercial first mortgage loans, subordinated financings, and other real estate-related commercial debt investments in the United States. . The company is headquartered in New York, New York.

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