WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp. generates 302% more annual revenue ($2.40B vs $597.28M). AGNCM leads profitability with a 94.4% profit margin vs 38.2%. AGNCM earns a higher WallStSmart Score of 63/100 (C+).

AGNCM

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 6.0Quality: 2.5
Piotroski: 3/9Altman Z: -0.93

STWD

Hold

49

out of 100

Grade: D+

Growth: 4.7Profit: 5.0Value: 6.7Quality: 2.5
Piotroski: 2/9Altman Z: 0.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGNCMUndervalued (+23.8%)

Margin of Safety

+23.8%

Fair Value

$32.81

Current Price

$25.35

$7.46 discount

UndervaluedFair: $32.81Overvalued
STWDUndervalued (+84.7%)

Margin of Safety

+84.7%

Fair Value

$118.26

Current Price

$15.00

$103.26 discount

UndervaluedFair: $118.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNCM5 strengths · Avg: 9.6/10
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

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

STWD2 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
38.2%10/10

Keeps 38 of every $100 in revenue as profit

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
7.161/10

Elevated debt levels

STWD4 concerns · Avg: 3.5/10
PEG RatioValuation
1.744/10

Expensive relative to growth rate

P/E RatioValuation
26.9x4/10

Moderate valuation

Return on EquityProfitability
5.3%3/10

ROE of 5.3% — 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 94.4% and operating margin at 95.6%. Revenue growth of 546.0% demonstrates continued momentum.

Bull Case : STWD

The strongest argument for STWD centers on Price/Book, Profit Margin. Profitability is solid with margins at 38.2% and operating margin at -5.9%. Revenue growth of 13.4% demonstrates continued momentum.

Bear Case : AGNCM

The primary concerns for AGNCM are Piotroski F-Score, Altman Z-Score, Debt/Equity. Debt-to-equity of 7.16 is elevated, increasing financial risk.

Bear Case : STWD

The primary concerns for STWD are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 3.65 is elevated, increasing financial risk.

Key Dynamics to Monitor

AGNCM profiles as a growth stock while STWD is a mature play — different risk/reward profiles.

AGNCM carries more volatility with a beta of 1.30 — expect wider price swings.

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

AGNCM generates stronger free cash flow (218M), providing more financial flexibility.

Bottom Line

AGNCM scores higher overall (63/100 vs 49/100), backed by strong 94.4% margins and 546.0% revenue growth. STWD offers better value entry with a 84.7% margin of safety. Both earn "Buy" and "Hold" 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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