Apollo Commercial Real Estate Finance Inc (ARI)vsAnnaly Capital Management, Inc. (NLY)
ARI
Apollo Commercial Real Estate Finance Inc
$6.50
-0.15%
REAL ESTATE · Cap: $868.96M
NLY
Annaly Capital Management, Inc.
$21.23
-0.84%
REAL ESTATE · Cap: $17.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 421% more annual revenue ($3.25B vs $624.29M). NLY leads profitability with a 90.7% profit margin vs 21.1%. ARI appears more attractively valued with a PEG of 1.33. NLY earns a higher WallStSmart Score of 77/100 (B+).
ARI
Strong Buy75
out of 100
Grade: B
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for ARI.
Margin of Safety
-8.8%
Fair Value
$20.96
Current Price
$21.23
$0.27 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 91.2%
Revenue surging 525.0% year-over-year
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
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
Earnings declined 10.0%
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 : ARI
The strongest argument for ARI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.1% and operating margin at 91.2%. Revenue growth of 525.0% 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 : ARI
The primary concerns for ARI are Market Cap, EPS Growth, Altman Z-Score.
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
ARI carries more volatility with a beta of 1.45 — expect wider price swings.
ARI is growing revenue faster at 525.0% — 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 75/100), 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.
Apollo Commercial Real Estate Finance Inc
REAL ESTATE · REIT - MORTGAGE · USA
Apollo Commercial Real Estate Finance, Inc. is a real estate investment trust (REIT) that originates, acquires, invests, and manages commercial first mortgage loans, subordinated financings, and other real estate-related commercial debt investments in the United States. . The company is headquartered in New York, New York.
Visit Website →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.
Visit Website →Compare with Other REIT - MORTGAGE Stocks
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