Cherry Hill Mortgage Investment Corp (CHMI)vsAnnaly Capital Management, Inc. (NLY)
CHMI
Cherry Hill Mortgage Investment Corp
$2.35
-2.08%
REAL ESTATE · Cap: $88.33M
NLY
Annaly Capital Management, Inc.
$21.22
-0.24%
REAL ESTATE · Cap: $16.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 6148% more annual revenue ($2.50B vs $40.03M). NLY leads profitability with a 87.4% profit margin vs 35.2%. NLY trades at a lower P/E of 7.1x. NLY earns a higher WallStSmart Score of 77/100 (B+).
CHMI
Hold44
out of 100
Grade: D
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.9%
Fair Value
$11.53
Current Price
$2.35
$9.18 discount
Margin of Safety
-37.9%
Fair Value
$16.54
Current Price
$21.22
$4.68 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 87 of every $100 in revenue as profit
Strong operational efficiency at 81.0%
Revenue surging 48.8% year-over-year
Earnings expanding 122.5% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.2% — below average capital efficiency
Weak financial health signals
Revenue declined 34.8%
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CHMI
The strongest argument for CHMI centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 35.2% and operating margin at 19.7%.
Bull Case : NLY
The strongest argument for NLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 87.4% and operating margin at 81.0%. Revenue growth of 48.8% demonstrates continued momentum.
Bear Case : CHMI
The primary concerns for CHMI are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 5.54 is elevated, increasing financial risk.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Free Cash Flow. Debt-to-equity of 7.18 is elevated, increasing financial risk.
Key Dynamics to Monitor
CHMI profiles as a declining stock while NLY is a growth play — different risk/reward profiles.
NLY carries more volatility with a beta of 1.25 — expect wider price swings.
NLY is growing revenue faster at 48.8% — sustainability is the question.
CHMI generates stronger free cash flow (13M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (77/100 vs 44/100), backed by strong 87.4% margins and 48.8% revenue growth. CHMI offers better value entry with a 77.9% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Cherry Hill Mortgage Investment Corp
REAL ESTATE · REIT - MORTGAGE · USA
Cherry Hill Mortgage Investment Corporation, a residential real estate financing company, acquires, invests, and manages residential mortgage assets in the United States. The company is headquartered in Farmingdale, New Jersey.
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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