WallStSmart

AGNC Investment Corp. (AGNCM)vsLadder Capital Corp Class A (LADR)

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Smart Verdict

WallStSmart Research — data-driven comparison

Ladder Capital Corp Class A generates 16% more annual revenue ($273.04M vs $236.00M). AGNCM leads profitability with a 43.6% profit margin vs 36.2%. LADR earns a higher WallStSmart Score of 76/100 (B+).

AGNCM

Buy

57

out of 100

Grade: C

Growth: 7.3Profit: 7.5Value: 5.0Quality: 2.5
Piotroski: 3/9Altman Z: -0.93

LADR

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 6.7Quality: 3.0
Piotroski: 2/9Altman Z: 0.25
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AGNCM.

LADRUndervalued (+2.8%)

Margin of Safety

+2.8%

Fair Value

$10.85

Current Price

$8.91

$1.94 discount

UndervaluedFair: $10.85Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNCM4 strengths · Avg: 10.0/10
Profit MarginProfitability
43.6%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
102.1%10/10

Strong operational efficiency at 102.1%

Revenue GrowthGrowth
546.0%10/10

Revenue surging 546.0% year-over-year

EPS GrowthGrowth
772.0%10/10

Earnings expanding 772.0% YoY

LADR6 strengths · Avg: 10.0/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.2%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
59.5%10/10

Strong operational efficiency at 59.5%

Revenue GrowthGrowth
96.4%10/10

Revenue surging 96.4% year-over-year

EPS GrowthGrowth
253.3%10/10

Earnings expanding 253.3% YoY

Areas to Watch

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

Weak financial health signals

Altman Z-ScoreHealth
-0.932/10

Distress zone — elevated risk

Debt/EquityHealth
8.371/10

Elevated debt levels

LADR4 concerns · Avg: 3.3/10
PEG RatioValuation
1.894/10

Expensive relative to growth rate

Market CapQuality
$1.18B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.8%3/10

ROE of 3.8% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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 43.6% and operating margin at 102.1%. Revenue growth of 546.0% demonstrates continued momentum.

Bull Case : LADR

The strongest argument for LADR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.2% and operating margin at 59.5%. Revenue growth of 96.4% demonstrates continued momentum.

Bear Case : AGNCM

The primary concerns for AGNCM are Piotroski F-Score, Altman Z-Score, Debt/Equity. Debt-to-equity of 8.37 is elevated, increasing financial risk.

Bear Case : LADR

The primary concerns for LADR are PEG Ratio, Market Cap, Return on Equity. Debt-to-equity of 2.97 is elevated, increasing financial risk.

Key Dynamics to Monitor

AGNCM carries more volatility with a beta of 1.34 — expect wider price swings.

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

AGNCM generates stronger free cash flow (404M), providing more financial flexibility.

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

Bottom Line

LADR scores higher overall (76/100 vs 57/100), backed by strong 36.2% margins and 96.4% revenue growth. 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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Ladder Capital Corp Class A

REAL ESTATE · REIT - MORTGAGE · USA

Ladder Capital Corp is a real estate investment trust in the United States. The company is headquartered in New York, New York.

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