WallStSmart

CTO Realty Growth Inc (CTO)vsWelltower Inc (WELL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Welltower Inc generates 7768% more annual revenue ($11.77B vs $149.54M). WELL leads profitability with a 12.0% profit margin vs 6.8%. WELL trades at a lower P/E of 105.5x. WELL earns a higher WallStSmart Score of 57/100 (C).

CTO

Hold

42

out of 100

Grade: D

Growth: 6.0Profit: 5.0Value: 5.7Quality: 4.8
Piotroski: 3/9Altman Z: 0.94

WELL

Buy

57

out of 100

Grade: C

Growth: 10.0Profit: 5.5Value: 2.0Quality: 6.5
Piotroski: 4/9Altman Z: 1.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CTOUndervalued (+88.9%)

Margin of Safety

+88.9%

Fair Value

$167.20

Current Price

$20.25

$146.95 discount

UndervaluedFair: $167.20Overvalued
WELLSignificantly Overvalued (-58.0%)

Margin of Safety

-58.0%

Fair Value

$131.57

Current Price

$212.09

$80.52 premium

UndervaluedFair: $131.57Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CTO2 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
22.6%8/10

Strong operational efficiency at 22.6%

WELL3 strengths · Avg: 9.7/10
Revenue GrowthGrowth
38.3%10/10

Revenue surging 38.3% year-over-year

EPS GrowthGrowth
162.6%10/10

Earnings expanding 162.6% YoY

Market CapQuality
$153.42B9/10

Large-cap with strong market position

Areas to Watch

CTO4 concerns · Avg: 3.0/10
Market CapQuality
$640.45M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.7%3/10

ROE of 1.7% — below average capital efficiency

Profit MarginProfitability
6.8%3/10

6.8% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

WELL4 concerns · Avg: 2.3/10
Return on EquityProfitability
3.7%3/10

ROE of 3.7% — below average capital efficiency

PEG RatioValuation
3.662/10

Expensive relative to growth rate

P/E RatioValuation
105.5x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.202/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CTO

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

Bull Case : WELL

The strongest argument for WELL centers on Revenue Growth, EPS Growth, Market Cap. Revenue growth of 38.3% demonstrates continued momentum.

Bear Case : CTO

The primary concerns for CTO are Market Cap, Return on Equity, Profit Margin. A P/E of 245.9x leaves little room for execution misses.

Bear Case : WELL

The primary concerns for WELL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 105.5x leaves little room for execution misses.

Key Dynamics to Monitor

CTO profiles as a value stock while WELL is a growth play — different risk/reward profiles.

WELL carries more volatility with a beta of 0.82 — expect wider price swings.

WELL is growing revenue faster at 38.3% — sustainability is the question.

WELL generates stronger free cash flow (647M), providing more financial flexibility.

Bottom Line

WELL scores higher overall (57/100 vs 42/100) and 38.3% revenue growth. CTO offers better value entry with a 88.9% margin of safety. Both earn "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.

CTO Realty Growth Inc

REAL ESTATE · REIT - DIVERSIFIED · USA

CTO Realty Growth, Inc. is a Florida-based publicly traded real estate company owning approximately 2 income properties.

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Welltower Inc

REAL ESTATE · REIT - HEALTHCARE FACILITIES · USA

Welltower Inc. is a real estate investment trust that invests in healthcare infrastructure.

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