WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp generates 1086% more annual revenue ($1.80B vs $151.56M). AGNC leads profitability with a 92.9% profit margin vs 63.6%. NREF trades at a lower P/E of 4.5x. NREF earns a higher WallStSmart Score of 78/100 (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

NREF

Strong Buy

78

out of 100

Grade: B+

Growth: 10.0Profit: 8.0Value: 8.3Quality: 4.5
Piotroski: 5/9
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
NREFUndervalued (+89.1%)

Margin of Safety

+89.1%

Fair Value

$136.19

Current Price

$13.37

$122.82 discount

UndervaluedFair: $136.19Overvalued

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%

NREF6 strengths · Avg: 10.0/10
P/E RatioValuation
4.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Profit MarginProfitability
63.6%10/10

Keeps 64 of every $100 in revenue as profit

Operating MarginProfitability
77.0%10/10

Strong operational efficiency at 77.0%

Revenue GrowthGrowth
39.5%10/10

Revenue surging 39.5% year-over-year

EPS GrowthGrowth
108.5%10/10

Earnings expanding 108.5% YoY

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

NREF2 concerns · Avg: 2.0/10
Market CapQuality
$311.21M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
11.921/10

Elevated debt levels

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 : NREF

The strongest argument for NREF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 63.6% and operating margin at 77.0%. Revenue growth of 39.5% demonstrates continued momentum.

Bear Case : AGNC

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

Bear Case : NREF

The primary concerns for NREF are Market Cap, Debt/Equity. Debt-to-equity of 11.92 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

NREF is growing revenue faster at 39.5% — sustainability is the question.

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

Bottom Line

NREF scores higher overall (78/100 vs 75/100), backed by strong 63.6% margins and 39.5% revenue growth. AGNC offers better value entry with a 83.7% margin of safety. 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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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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