WallStSmart

AGNC Investment Corp. (AGNC)vsStarwood Property Trust Inc (STWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 193% more annual revenue ($1.60B vs $547.93M). AGNC leads profitability with a 91.7% profit margin vs 75.1%. STWD appears more attractively valued with a PEG of 1.74. AGNC earns a higher WallStSmart Score of 73/100 (B).

AGNC

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 4.7Quality: 3.3
Piotroski: 2/9Altman Z: -0.95

STWD

Strong Buy

69

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 7.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.21
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCSignificantly Overvalued (-68.8%)

Margin of Safety

-68.8%

Fair Value

$6.77

Current Price

$10.86

$4.09 premium

UndervaluedFair: $6.77Overvalued
STWDUndervalued (+84.2%)

Margin of Safety

+84.2%

Fair Value

$114.02

Current Price

$17.75

$96.27 discount

UndervaluedFair: $114.02Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNC6 strengths · Avg: 10.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
91.7%10/10

Keeps 92 of every $100 in revenue as profit

Operating MarginProfitability
129.8%10/10

Strong operational efficiency at 129.8%

Revenue GrowthGrowth
546.0%10/10

Revenue surging 546.0% year-over-year

EPS GrowthGrowth
772.0%10/10

Earnings expanding 772.0% YoY

STWD5 strengths · Avg: 9.6/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
75.1%10/10

Keeps 75 of every $100 in revenue as profit

Revenue GrowthGrowth
62.6%10/10

Revenue surging 62.6% year-over-year

EPS GrowthGrowth
78.0%10/10

Earnings expanding 78.0% YoY

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Areas to Watch

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

Weak financial health signals

PEG RatioValuation
3.482/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.952/10

Distress zone — elevated risk

STWD3 concerns · Avg: 3.0/10
PEG RatioValuation
1.744/10

Expensive relative to growth rate

Return on EquityProfitability
6.0%3/10

ROE of 6.0% — below average capital efficiency

Altman Z-ScoreHealth
0.212/10

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 91.7% and operating margin at 129.8%. Revenue growth of 546.0% 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 : AGNC

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

Bear Case : STWD

The primary concerns for STWD are PEG Ratio, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

AGNC carries more volatility with a beta of 1.33 — expect wider price swings.

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

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

Bottom Line

AGNC scores higher overall (73/100 vs 69/100), backed by strong 91.7% margins and 546.0% revenue growth. STWD offers better value entry with a 84.2% 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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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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