MFA Financial Inc (MFA)vsRithm Capital Corp. (RITM)
MFA
MFA Financial Inc
$6.79
+0.89%
REAL ESTATE · Cap: $654.04M
RITM
Rithm Capital Corp.
$9.27
-1.28%
REAL ESTATE · Cap: $4.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Rithm Capital Corp. generates 1325% more annual revenue ($4.32B vs $302.83M). MFA leads profitability with a 48.9% profit margin vs 10.8%. MFA trades at a lower P/E of 6.4x. MFA earns a higher WallStSmart Score of 75/100 (B).
MFA
Strong Buy75
out of 100
Grade: B
RITM
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+49.2%
Fair Value
$19.15
Current Price
$6.79
$12.36 discount
Margin of Safety
+83.1%
Fair Value
$63.34
Current Price
$9.27
$54.07 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 49 of every $100 in revenue as profit
Strong operational efficiency at 54.0%
Earnings expanding 61.9% YoY
Revenue surging 20.2% year-over-year
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Earnings declined 93.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MFA
The strongest argument for MFA centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 48.9% and operating margin at 54.0%. Revenue growth of 20.2% demonstrates continued momentum.
Bull Case : RITM
The strongest argument for RITM centers on Price/Book, P/E Ratio.
Bear Case : MFA
The primary concerns for MFA are PEG Ratio, Market Cap, Altman Z-Score. Debt-to-equity of 6.56 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
MFA profiles as a growth stock while RITM is a value play — different risk/reward profiles.
MFA carries more volatility with a beta of 1.52 — expect wider price swings.
MFA is growing revenue faster at 20.2% — sustainability is the question.
RITM generates stronger free cash flow (172M), providing more financial flexibility.
Bottom Line
MFA scores higher overall (75/100 vs 49/100), backed by strong 48.9% margins and 20.2% revenue growth. RITM offers better value entry with a 83.1% margin of safety. 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.
MFA Financial Inc
REAL ESTATE · REIT - MORTGAGE · USA
MFA Financial, Inc., is a real estate investment trust (REIT) in the United States. The company is headquartered in New York, New York.
Visit Website →Rithm Capital Corp.
REAL ESTATE · REIT - MORTGAGE · USA
Rhythm Capital Corp. The company is headquartered in New York, New York.
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