WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AGNC Investment Corp generates 228% more annual revenue ($1.80B vs $547.93M). AGNCM leads profitability with a 92.9% profit margin vs 75.1%. STWD earns a higher WallStSmart Score of 67/100 (B-).

AGNCM

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 8.0Value: 5.0Quality: 2.5
Piotroski: 2/9Altman Z: -0.95

STWD

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 7.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.21
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AGNCM.

STWDUndervalued (+66.4%)

Margin of Safety

+66.4%

Fair Value

$53.82

Current Price

$17.39

$36.42 discount

UndervaluedFair: $53.82Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGNCM5 strengths · Avg: 9.6/10
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%

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
2.6x8/10

Reasonable price relative to book value

STWD5 strengths · Avg: 9.6/10
Price/BookValuation
0.9x10/10

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
14.8x8/10

Attractively priced relative to earnings

Areas to Watch

AGNCM3 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.952/10

Distress zone — elevated risk

Debt/EquityHealth
8.211/10

Elevated debt levels

STWD3 concerns · Avg: 2.3/10
Return on EquityProfitability
6.0%3/10

ROE of 6.0% — below average capital efficiency

PEG RatioValuation
2.732/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.212/10

Distress zone — elevated risk

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 92.9% and operating margin at 95.9%. 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 : AGNCM

The primary concerns for AGNCM are Piotroski F-Score, Altman Z-Score, Debt/Equity. Debt-to-equity of 8.21 is elevated, increasing financial risk.

Bear Case : STWD

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

Key Dynamics to Monitor

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

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

STWD generates stronger free cash flow (190M), providing more financial flexibility.

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

Bottom Line

STWD scores higher overall (67/100 vs 63/100), backed by strong 75.1% margins and 62.6% 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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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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