Cherry Hill Mortgage Investment Corp (CHMI)vsAnnaly Capital Management, Inc. (NLY)
CHMI
Cherry Hill Mortgage Investment Corp
$2.87
-1.03%
REAL ESTATE · Cap: $107.56M
NLY
Annaly Capital Management, Inc.
$21.90
-0.45%
REAL ESTATE · Cap: $17.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 7605% more annual revenue ($3.25B vs $42.24M). NLY leads profitability with a 90.7% profit margin vs 38.6%. NLY trades at a lower P/E of 5.5x. NLY earns a higher WallStSmart Score of 77/100 (B+).
CHMI
Buy56
out of 100
Grade: C
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+82.1%
Fair Value
$14.23
Current Price
$2.87
$11.36 discount
Margin of Safety
-8.8%
Fair Value
$20.97
Current Price
$21.90
$0.93 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 37.9%
Attractively priced relative to earnings
Revenue surging 27.6% year-over-year
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 6.2% — below average capital efficiency
Weak financial health signals
Earnings declined 49.5%
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CHMI
The strongest argument for CHMI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 38.6% and operating margin at 37.9%. Revenue growth of 27.6% 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 : CHMI
The primary concerns for CHMI are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 5.08 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 56/100), backed by strong 90.7% margins and 479.4% revenue growth. CHMI offers better value entry with a 82.1% 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.
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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