WallStSmart

Angel Oak Mortgage Inc (AOMR)vsStarwood Property Trust Inc (STWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Starwood Property Trust Inc generates 798% more annual revenue ($547.93M vs $60.99M). STWD leads profitability with a 75.1% profit margin vs 72.2%. AOMR trades at a lower P/E of 4.5x. STWD earns a higher WallStSmart Score of 67/100 (B-).

AOMR

Buy

57

out of 100

Grade: C

Growth: 2.0Profit: 8.0Value: 7.7Quality: 5.0

STWD

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 7.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.21
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AOMRUndervalued (+27.1%)

Margin of Safety

+27.1%

Fair Value

$12.24

Current Price

$8.31

$3.93 discount

UndervaluedFair: $12.24Overvalued
STWDUndervalued (+66.4%)

Margin of Safety

+66.4%

Fair Value

$53.82

Current Price

$17.48

$36.34 discount

UndervaluedFair: $53.82Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AOMR4 strengths · Avg: 10.0/10
P/E RatioValuation
4.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
72.2%10/10

Keeps 72 of every $100 in revenue as profit

Operating MarginProfitability
69.1%10/10

Strong operational efficiency at 69.1%

STWD5 strengths · Avg: 9.6/10
Price/BookValuation
1.0x10/10

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
15.1x8/10

Attractively priced relative to earnings

Areas to Watch

AOMR3 concerns · Avg: 2.3/10
Market CapQuality
$201.81M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-60.6%2/10

Revenue declined 60.6%

EPS GrowthGrowth
-64.3%2/10

Earnings declined 64.3%

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 : AOMR

The strongest argument for AOMR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 72.2% and operating margin at 69.1%.

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 : AOMR

The primary concerns for AOMR are Market Cap, Revenue Growth, EPS Growth.

Bear Case : STWD

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

Key Dynamics to Monitor

AOMR profiles as a declining stock while STWD is a growth play — different risk/reward profiles.

AOMR carries more volatility with a beta of 1.29 — expect wider price swings.

STWD is growing revenue faster at 62.6% — sustainability is the question.

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

Bottom Line

STWD scores higher overall (67/100 vs 57/100), backed by strong 75.1% margins and 62.6% revenue growth. AOMR offers better value entry with a 27.1% margin of safety. 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.

Angel Oak Mortgage Inc

REAL ESTATE · REIT - MORTGAGE · USA

Angel Oak Mortgage Inc. is a prominent player in the residential mortgage industry, focusing on the origination and servicing of non-qualified mortgage (non-QM) loans that cater to a diverse range of borrowers. The company distinguishes itself through its commitment to innovation, utilizing cutting-edge technology and data analytics to enhance operational efficiency and manage risk effectively. With a robust distribution strategy encompassing direct lending and a network of broker partnerships, Angel Oak is well-positioned to capitalize on evolving market dynamics and consumer preferences. As an adaptive leader in housing finance, the company is geared toward sustainable growth while delivering attractive returns for institutional investors.

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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