Ellington Financial Inc. (EFC)vsAnnaly Capital Management, Inc. (NLY)
EFC
Ellington Financial Inc.
$13.55
+0.22%
REAL ESTATE · Cap: $1.72B
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 525% more annual revenue ($2.50B vs $399.87M). NLY leads profitability with a 87.4% profit margin vs 53.4%. EFC appears more attractively valued with a PEG of 0.86. EFC earns a higher WallStSmart Score of 80/100 (B+).
EFC
Strong Buy80
out of 100
Grade: B+
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for EFC.
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 53 of every $100 in revenue as profit
Strong operational efficiency at 59.4%
Revenue surging 76.5% year-over-year
Earnings expanding 127.0% YoY
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
Weak financial health signals
Elevated debt levels
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 : EFC
The strongest argument for EFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 53.4% and operating margin at 59.4%. Revenue growth of 76.5% 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 87.4% and operating margin at 81.0%. Revenue growth of 48.8% demonstrates continued momentum.
Bear Case : EFC
The primary concerns for EFC are Market Cap, Piotroski F-Score, Debt/Equity. Debt-to-equity of 9.21 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
NLY carries more volatility with a beta of 1.25 — expect wider price swings.
EFC is growing revenue faster at 76.5% — sustainability is the question.
EFC generates stronger free cash flow (147M), providing more financial flexibility.
Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
EFC scores higher overall (80/100 vs 77/100), backed by strong 53.4% margins and 76.5% revenue growth. 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.
Ellington Financial Inc.
REAL ESTATE · REIT - MORTGAGE · USA
Ellington Financial Inc., through its subsidiary, Ellington Financial Operating Partnership LLC, acquires and manages mortgage-related, consumer-related, business-related and other financial assets in the United States. The company is headquartered in Old Greenwich, Connecticut.
Visit Website →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.
Visit Website →Compare with Other REIT - MORTGAGE Stocks
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