Annaly Capital Management, Inc. (NLY)vsPennyMac Mortgage Investment Trust (PMT)
NLY
Annaly Capital Management, Inc.
$22.61
+1.03%
REAL ESTATE · Cap: $16.40B
PMT
PennyMac Mortgage Investment Trust
$11.00
-0.72%
REAL ESTATE · Cap: $966.20M
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 230% more annual revenue ($2.50B vs $758.84M). NLY leads profitability with a 87.4% profit margin vs 18.8%. PMT appears more attractively valued with a PEG of 0.76. NLY earns a higher WallStSmart Score of 77/100 (B+).
NLY
Strong Buy77
out of 100
Grade: B+
PMT
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-13.9%
Fair Value
$20.02
Current Price
$22.61
$2.59 premium
Margin of Safety
+82.9%
Fair Value
$72.35
Current Price
$11.00
$61.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.7%
Growing faster than its price suggests
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Weak financial health signals
Revenue declined 56.6%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PMT
The strongest argument for PMT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 18.8% and operating margin at 32.7%. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Free Cash Flow. Debt-to-equity of 6.95 is elevated, increasing financial risk.
Bear Case : PMT
The primary concerns for PMT are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 10.12 is elevated, increasing financial risk.
Key Dynamics to Monitor
NLY profiles as a growth stock while PMT is a declining play — different risk/reward profiles.
NLY carries more volatility with a beta of 1.27 — expect wider price swings.
NLY is growing revenue faster at 48.8% — sustainability is the question.
NLY generates stronger free cash flow (-1.9B), providing more financial flexibility.
Bottom Line
NLY scores higher overall (77/100 vs 69/100), backed by strong 87.4% margins and 48.8% revenue growth. PMT offers better value entry with a 82.9% margin of safety. 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.
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 →PennyMac Mortgage Investment Trust
REAL ESTATE · REIT - MORTGAGE · USA
PennyMac Mortgage Investment Trust, a specialty finance company, invests primarily in mortgage-related assets in the United States. The company is headquartered in Westlake Village, California.
Visit Website →Compare with Other REIT - MORTGAGE Stocks
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