WallStSmart

AGNC Investment Corp. (AGNCM)vsKKR Real Estate Finance Trust Inc (KREF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates -4695% more annual revenue ($1.60B vs $-34.93M). AGNCM leads profitability with a 91.7% profit margin vs 0.0%. AGNCM earns a higher WallStSmart Score of 61/100 (C+).

AGNCM

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 4.7Quality: 2.5
Piotroski: 3/9Altman Z: -0.95

KREF

Buy

50

out of 100

Grade: C-

Growth: 5.3Profit: 4.5Value: 4.0Quality: 2.5
Piotroski: 2/9Altman Z: 0.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCMOvervalued (-11.3%)

Margin of Safety

-11.3%

Fair Value

$22.48

Current Price

$25.06

$2.58 premium

UndervaluedFair: $22.48Overvalued

Intrinsic value data unavailable for KREF.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNCM5 strengths · Avg: 9.6/10
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

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

KREF3 strengths · Avg: 10.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Operating MarginProfitability
145.1%10/10

Strong operational efficiency at 145.1%

Revenue GrowthGrowth
245.1%10/10

Revenue surging 245.1% year-over-year

Areas to Watch

AGNCM3 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.952/10

Distress zone — elevated risk

Debt/EquityHealth
8.591/10

Elevated debt levels

KREF4 concerns · Avg: 2.8/10
Market CapQuality
$448.82M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
5.132/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AGNCM

The strongest argument for AGNCM centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 91.7% and operating margin at 129.8%. Revenue growth of 546.0% demonstrates continued momentum.

Bull Case : KREF

The strongest argument for KREF centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 245.1% demonstrates continued momentum.

Bear Case : AGNCM

The primary concerns for AGNCM are Piotroski F-Score, Altman Z-Score, Debt/Equity. Debt-to-equity of 8.59 is elevated, increasing financial risk.

Bear Case : KREF

The primary concerns for KREF are Market Cap, Profit Margin, Piotroski F-Score. Debt-to-equity of 4.11 is elevated, increasing financial risk.

Key Dynamics to Monitor

AGNCM profiles as a growth stock while KREF is a hypergrowth play — different risk/reward profiles.

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

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

AGNCM generates stronger free cash flow (387M), providing more financial flexibility.

Bottom Line

AGNCM scores higher overall (61/100 vs 50/100), backed by strong 91.7% margins and 546.0% revenue growth. Both earn "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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KKR Real Estate Finance Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

KKR Real Estate Finance Trust Inc., a mortgage real estate investment trust, focuses primarily on originating and acquiring senior loans secured by commercial real estate (CRE) assets. The company is headquartered in New York, New York.

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