WallStSmart

AGNC Investment Corp. (AGNC)vsNexpoint Real Estate Finance Inc (NREF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 1487% more annual revenue ($2.40B vs $151.29M). AGNC leads profitability with a 94.4% profit margin vs 66.6%. AGNC trades at a lower P/E of 5.2x. AGNC 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

NREF

Buy

56

out of 100

Grade: C

Growth: 4.7Profit: 8.5Value: 8.3Quality: 3.5
Piotroski: 4/9Altman Z: 0.19
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCSignificantly Overvalued (-45.0%)

Margin of Safety

-45.0%

Fair Value

$7.88

Current Price

$9.87

$1.99 premium

UndervaluedFair: $7.88Overvalued
NREFUndervalued (+60.2%)

Margin of Safety

+60.2%

Fair Value

$37.46

Current Price

$16.27

$21.19 discount

UndervaluedFair: $37.46Overvalued

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

NREF5 strengths · Avg: 9.8/10
P/E RatioValuation
6.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
66.6%10/10

Keeps 67 of every $100 in revenue as profit

Operating MarginProfitability
63.3%10/10

Strong operational efficiency at 63.3%

Return on EquityProfitability
26.6%9/10

Every $100 of equity generates 27 in profit

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

NREF4 concerns · Avg: 2.3/10
Market CapQuality
$368.32M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-13.7%2/10

Revenue declined 13.7%

EPS GrowthGrowth
-46.8%2/10

Earnings declined 46.8%

Free Cash FlowQuality
$-6.04M2/10

Negative free cash flow — burning cash

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 : NREF

The strongest argument for NREF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 66.6% and operating margin at 63.3%.

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 : NREF

The primary concerns for NREF are Market Cap, Revenue Growth, EPS Growth. Debt-to-equity of 11.79 is elevated, increasing financial risk.

Key Dynamics to Monitor

AGNC profiles as a growth stock while NREF is a declining play — different risk/reward profiles.

AGNC carries more volatility with a beta of 1.30 — 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.

Bottom Line

AGNC scores higher overall (75/100 vs 56/100), backed by strong 94.4% margins and 546.0% revenue growth. NREF offers better value entry with a 60.2% margin of safety. Both earn "Strong Buy" and "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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Nexpoint Real Estate Finance Inc

REAL ESTATE · REIT - MORTGAGE · USA

NexPoint Real Estate Finance, Inc. is a real estate finance company in the United States. The company is headquartered in Dallas, Texas.

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