Angel Oak Mortgage Inc (AOMR)vsAnnaly Capital Management, Inc. (NLY)
AOMR
Angel Oak Mortgage Inc
$7.53
+2.17%
REAL ESTATE · Cap: $188.85M
NLY
Annaly Capital Management, Inc.
$20.32
-0.15%
REAL ESTATE · Cap: $16.06B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 8841% more annual revenue ($3.25B vs $36.40M). NLY leads profitability with a 90.7% profit margin vs 51.4%. NLY trades at a lower P/E of 5.2x. NLY earns a higher WallStSmart Score of 77/100 (B+).
AOMR
Strong Buy66
out of 100
Grade: B-
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-19.7%
Fair Value
$7.45
Current Price
$7.53
$0.08 premium
Margin of Safety
-8.9%
Fair Value
$20.95
Current Price
$20.32
$0.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 47.9%
Earnings expanding 366.6% YoY
19.4% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 91 of every $100 in revenue as profit
Strong operational efficiency at 91.6%
Revenue surging 479.4% year-over-year
Earnings expanding 3426.0% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AOMR
The strongest argument for AOMR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 51.4% and operating margin at 47.9%. Revenue growth of 19.4% demonstrates continued momentum.
Bull Case : NLY
The strongest argument for NLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 90.7% and operating margin at 91.6%. Revenue growth of 479.4% demonstrates continued momentum.
Bear Case : AOMR
The primary concerns for AOMR are Market Cap, Return on Equity, Free Cash Flow. Debt-to-equity of 10.62 is elevated, increasing financial risk.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 7.38 is elevated, increasing financial risk.
Key Dynamics to Monitor
NLY carries more volatility with a beta of 1.24 — expect wider price swings.
NLY is growing revenue faster at 479.4% — sustainability is the question.
NLY generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NLY scores higher overall (77/100 vs 66/100), backed by strong 90.7% margins and 479.4% revenue growth. 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.
Angel Oak Mortgage Inc
REAL ESTATE · REIT - MORTGAGE · USA
Angel Oak Mortgage Inc. (AOMR) is a prominent player in the residential mortgage sector, primarily focused on the origination and servicing of non-qualified mortgage (non-QM) loans tailored to meet the needs of a varied borrower demographic. The company utilizes cutting-edge technology and data analytics to bolster operational efficiency and manage risk effectively, setting it apart in a competitive landscape. With a flexible distribution strategy that integrates direct lending and broker partnerships, Angel Oak adeptly adapts to market fluctuations and consumer demands. Committed to innovation and sustainable growth, AOMR presents a strong investment opportunity for institutional investors seeking attractive returns within the housing finance market.
Annaly Capital Management, Inc.
REAL ESTATE · REIT - MORTGAGE · USA
Annaly Capital Management, Inc., a diversified capital manager, invests in and finances residential and commercial assets. The company is headquartered in New York, New York.
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