ARMOUR Residential REIT Inc (ARR)vsAnnaly Capital Management, Inc. (NLY)
ARR
ARMOUR Residential REIT Inc
$16.39
+2.50%
REAL ESTATE · Cap: $2.01B
NLY
Annaly Capital Management, Inc.
$21.41
+1.57%
REAL ESTATE · Cap: $15.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 531% more annual revenue ($2.38B vs $377.44M). ARR leads profitability with a 85.5% profit margin vs 85.1%. ARR appears more attractively valued with a PEG of 2.97. ARR earns a higher WallStSmart Score of 78/100 (B+).
ARR
Strong Buy78
out of 100
Grade: B+
NLY
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+87.8%
Fair Value
$144.41
Current Price
$16.39
$128.02 discount
Margin of Safety
+83.2%
Fair Value
$135.72
Current Price
$21.41
$114.31 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 86 of every $100 in revenue as profit
Strong operational efficiency at 93.8%
Revenue surging 126.1% year-over-year
Earnings expanding 23.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 85 of every $100 in revenue as profit
Strong operational efficiency at 93.7%
Revenue surging 113.9% year-over-year
Earnings expanding 81.1% YoY
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ARR
The strongest argument for ARR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 85.5% and operating margin at 93.8%. Revenue growth of 126.1% 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 85.1% and operating margin at 93.7%. Revenue growth of 113.9% demonstrates continued momentum.
Bear Case : ARR
The primary concerns for ARR are PEG Ratio.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 6.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
ARR carries more volatility with a beta of 1.42 — expect wider price swings.
ARR is growing revenue faster at 126.1% — sustainability is the question.
NLY generates stronger free cash flow (472M), providing more financial flexibility.
Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ARR scores higher overall (78/100 vs 75/100), backed by strong 85.5% margins and 126.1% revenue growth. NLY offers better value entry with a 83.2% margin of safety. 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.
ARMOUR Residential REIT Inc
REAL ESTATE · REIT - MORTGAGE · USA
ARMOR Residential REIT, Inc. invests in residential mortgage-backed securities (MBS) in the United States. The company is headquartered in Vero Beach, Florida.
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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