WallStSmart

AGNC Investment Corp (AGNC)vsManhattan Bridge Capital Inc (LOAN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp generates 25075% more annual revenue ($1.80B vs $7.14M). AGNC leads profitability with a 92.9% profit margin vs 74.2%. AGNC trades at a lower P/E of 6.8x. AGNC earns a higher WallStSmart Score of 75/100 (B+).

AGNC

Strong Buy

75

out of 100

Grade: B+

Growth: 4.7Profit: 8.0Value: 7.3Quality: 3.3
Piotroski: 2/9Altman Z: -0.95

LOAN

Hold

45

out of 100

Grade: D+

Growth: 4.0Profit: 8.5Value: 5.7Quality: 6.0
Piotroski: 5/9Altman Z: 2.71
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCUndervalued (+83.7%)

Margin of Safety

+83.7%

Fair Value

$70.20

Current Price

$10.14

$60.06 discount

UndervaluedFair: $70.20Overvalued
LOANSignificantly Overvalued (-41.3%)

Margin of Safety

-41.3%

Fair Value

$3.20

Current Price

$4.33

$1.13 premium

UndervaluedFair: $3.20Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNC4 strengths · Avg: 10.0/10
P/E RatioValuation
6.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

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%

LOAN4 strengths · Avg: 10.0/10
P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
74.2%10/10

Keeps 74 of every $100 in revenue as profit

Operating MarginProfitability
74.2%10/10

Strong operational efficiency at 74.2%

Areas to Watch

AGNC3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
17.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.952/10

Distress zone — elevated risk

LOAN3 concerns · Avg: 2.3/10
Market CapQuality
$48.84M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-9.1%2/10

Revenue declined 9.1%

EPS GrowthGrowth
-12.4%2/10

Earnings declined 12.4%

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 92.9% and operating margin at 95.9%.

Bull Case : LOAN

The strongest argument for LOAN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 74.2% and operating margin at 74.2%.

Bear Case : AGNC

The primary concerns for AGNC are Piotroski F-Score, PEG Ratio, Altman Z-Score.

Bear Case : LOAN

The primary concerns for LOAN are Market Cap, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

AGNC profiles as a mature stock while LOAN is a declining play — different risk/reward profiles.

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

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

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

Bottom Line

AGNC scores higher overall (75/100 vs 45/100), backed by strong 92.9% margins. Both earn "Strong 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.

AGNC Investment Corp

REAL ESTATE · REIT - MORTGAGE · USA

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

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Manhattan Bridge Capital Inc

REAL ESTATE · REIT - MORTGAGE · USA

Manhattan Bridge Capital, Inc., a real estate financing company, originates, services, and manages a portfolio of initial home loans in the United States. The company is headquartered in Great Neck, New York.

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