WallStSmart

KKR Real Estate Finance Trust Inc (KREF)vsStarwood Property Trust Inc (STWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Starwood Property Trust Inc generates -1763% more annual revenue ($580.84M vs $-34.93M). STWD leads profitability with a 60.5% profit margin vs 0.0%. STWD appears more attractively valued with a PEG of 1.74. STWD earns a higher WallStSmart Score of 59/100 (C).

KREF

Buy

50

out of 100

Grade: C-

Growth: 5.3Profit: 4.5Value: 4.0Quality: 2.5
Piotroski: 2/9Altman Z: 0.20

STWD

Buy

59

out of 100

Grade: C

Growth: 5.3Profit: 6.5Value: 7.3Quality: 2.5
Piotroski: 2/9Altman Z: 0.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for KREF.

STWDUndervalued (+84.7%)

Margin of Safety

+84.7%

Fair Value

$118.33

Current Price

$17.05

$101.28 discount

UndervaluedFair: $118.33Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KREF3 strengths · Avg: 10.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Operating MarginProfitability
145.1%10/10

Strong operational efficiency at 145.1%

Revenue GrowthGrowth
245.1%10/10

Revenue surging 245.1% year-over-year

STWD4 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
60.5%10/10

Keeps 61 of every $100 in revenue as profit

P/E RatioValuation
17.9x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
21.8%8/10

Revenue surging 21.8% year-over-year

Areas to Watch

KREF4 concerns · Avg: 2.8/10
Market CapQuality
$448.82M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
5.132/10

Expensive relative to growth rate

STWD4 concerns · Avg: 3.0/10
PEG RatioValuation
1.744/10

Expensive relative to growth rate

Return on EquityProfitability
5.3%3/10

ROE of 5.3% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-60.4%2/10

Earnings declined 60.4%

Comparative Analysis Report

WallStSmart Research

Bull 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 : STWD

The strongest argument for STWD centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 60.5% and operating margin at 17.4%. Revenue growth of 21.8% demonstrates continued momentum.

Bear Case : KREF

The primary concerns for KREF are Market Cap, Profit Margin, Piotroski F-Score. Debt-to-equity of 4.11 is elevated, increasing financial risk.

Bear Case : STWD

The primary concerns for STWD are PEG Ratio, Return on Equity, Piotroski F-Score. Debt-to-equity of 3.47 is elevated, increasing financial risk.

Key Dynamics to Monitor

KREF profiles as a hypergrowth stock while STWD is a growth play — different risk/reward profiles.

STWD carries more volatility with a beta of 1.03 — expect wider price swings.

KREF is growing revenue faster at 245.1% — sustainability is the question.

KREF generates stronger free cash flow (10M), providing more financial flexibility.

Bottom Line

STWD scores higher overall (59/100 vs 50/100), backed by strong 60.5% margins and 21.8% revenue growth. Both earn "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.

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.

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Starwood Property Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

Starwood Property Trust, Inc. is a real estate investment trust (REIT) in the United States and Europe. The company is headquartered in Greenwich, Connecticut.

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