KKR Real Estate Finance Trust Inc (KREF)vsAnnaly Capital Management, Inc. (NLY)
KREF
KKR Real Estate Finance Trust Inc
$6.41
+0.47%
REAL ESTATE · Cap: $419.72M
NLY
Annaly Capital Management, Inc.
$21.24
+2.14%
REAL ESTATE · Cap: $14.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 14932% more annual revenue ($2.38B vs $15.84M). NLY leads profitability with a 85.1% profit margin vs -297.0%. KREF appears more attractively valued with a PEG of 5.13. NLY earns a higher WallStSmart Score of 75/100 (B).
KREF
Hold48
out of 100
Grade: D+
NLY
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for KREF.
Margin of Safety
+83.3%
Fair Value
$136.66
Current Price
$21.23
$115.42 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 246.3%
Revenue surging 245.1% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 85 of every $100 in revenue as profit
Strong operational efficiency at 93.7%
Revenue surging 113.9% year-over-year
Earnings expanding 81.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
ROE of -3.9% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : KREF
The strongest argument for KREF centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 245.1% 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 85.1% and operating margin at 93.7%. Revenue growth of 113.9% demonstrates continued momentum.
Bear Case : KREF
The primary concerns for KREF are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 4.00 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 6.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
KREF profiles as a hypergrowth stock while NLY is a growth play — different risk/reward profiles.
NLY carries more volatility with a beta of 1.30 — expect wider price swings.
KREF is growing revenue faster at 245.1% — sustainability is the question.
NLY generates stronger free cash flow (472M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (75/100 vs 48/100), backed by strong 85.1% margins and 113.9% revenue growth. 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.
KKR Real Estate Finance Trust Inc
REAL ESTATE · REIT - MORTGAGE · USA
KKR Real Estate Finance Trust Inc., a mortgage real estate investment trust, focuses primarily on originating and acquiring senior loans secured by commercial real estate (CRE) assets. The company is headquartered in New York, New York.
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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