WallStSmart

Claros Mortgage Trust Inc (CMTG)vsRithm Capital Corp. (RITM)

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Smart Verdict

WallStSmart Research — data-driven comparison

Rithm Capital Corp. generates -1297% more annual revenue ($4.32B vs $-360.64M). RITM leads profitability with a 10.8% profit margin vs 0.0%. RITM earns a higher WallStSmart Score of 49/100 (D+).

CMTG

Hold

35

out of 100

Grade: F

Growth: 4.0Profit: 4.5Value: 5.0Quality: 4.0
Piotroski: 3/9Altman Z: 0.11

RITM

Hold

49

out of 100

Grade: D+

Growth: 6.0Profit: 5.5Value: 7.7Quality: 3.5
Piotroski: 2/9Altman Z: 0.40
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CMTG.

RITMUndervalued (+83.1%)

Margin of Safety

+83.1%

Fair Value

$63.34

Current Price

$9.27

$54.07 discount

UndervaluedFair: $63.34Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CMTG2 strengths · Avg: 10.0/10
Price/BookValuation
0.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
121.3%10/10

Strong operational efficiency at 121.3%

RITM2 strengths · Avg: 9.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Areas to Watch

CMTG4 concerns · Avg: 2.8/10
Market CapQuality
$156.60M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-31.1%2/10

ROE of -31.1% — below average capital efficiency

RITM3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-93.2%2/10

Earnings declined 93.2%

Altman Z-ScoreHealth
0.402/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CMTG

The strongest argument for CMTG centers on Price/Book, Operating Margin.

Bull Case : RITM

The strongest argument for RITM centers on Price/Book, P/E Ratio.

Bear Case : CMTG

The primary concerns for CMTG are Market Cap, Profit Margin, Piotroski F-Score. Debt-to-equity of 2.07 is elevated, increasing financial risk.

Bear Case : RITM

The primary concerns for RITM are Piotroski F-Score, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

CMTG carries more volatility with a beta of 1.17 — expect wider price swings.

RITM is growing revenue faster at 9.7% — sustainability is the question.

RITM generates stronger free cash flow (172M), providing more financial flexibility.

Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RITM scores higher overall (49/100 vs 35/100). Both earn "Hold" 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.

Claros Mortgage Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

Claros Mortgage Trust Inc (CMTG) is a specialized real estate investment trust (REIT) dedicated to acquiring and managing high-quality commercial mortgage loans and related real estate assets. The company utilizes a disciplined underwriting approach, focusing on income-generating properties in prime urban locations, which positions it to achieve strong risk-adjusted returns. With a strategic emphasis on consistent income generation and long-term value creation, CMTG serves as an attractive investment opportunity for institutional investors seeking reliable cash flows and growth potential in a dynamic economic landscape.

Rithm Capital Corp.

REAL ESTATE · REIT - MORTGAGE · USA

Rhythm Capital Corp. The company is headquartered in New York, New York.

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