Annaly Capital Management, Inc. (NLY)vsChicago Atlantic Real Estate Finance Inc (REFI)
NLY
Annaly Capital Management, Inc.
$21.41
+1.57%
REAL ESTATE · Cap: $15.14B
REFI
Chicago Atlantic Real Estate Finance Inc
$12.05
+0.33%
REAL ESTATE · Cap: $260.13M
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 4257% more annual revenue ($2.38B vs $54.66M). NLY leads profitability with a 85.1% profit margin vs 65.9%. NLY trades at a lower P/E of 7.3x. NLY earns a higher WallStSmart Score of 75/100 (B).
NLY
Strong Buy75
out of 100
Grade: B
REFI
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+83.2%
Fair Value
$135.72
Current Price
$21.41
$114.31 discount
Margin of Safety
-4.2%
Fair Value
$11.42
Current Price
$12.05
$0.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 66 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
2.7% revenue growth
Smaller company, higher risk/reward
Earnings declined 3.3%
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 85.1% and operating margin at 93.7%. Revenue growth of 113.9% demonstrates continued momentum.
Bull Case : REFI
The strongest argument for REFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 65.9% and operating margin at 57.7%.
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.
Bear Case : REFI
The primary concerns for REFI are Revenue Growth, Market Cap, EPS Growth.
Key Dynamics to Monitor
NLY profiles as a growth stock while REFI is a value play — different risk/reward profiles.
NLY carries more volatility with a beta of 1.30 — expect wider price swings.
NLY is growing revenue faster at 113.9% — sustainability is the question.
NLY generates stronger free cash flow (472M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (75/100 vs 51/100), backed by strong 85.1% margins and 113.9% revenue growth. Both earn "Strong 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.
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 →Chicago Atlantic Real Estate Finance Inc
REAL ESTATE · REIT - MORTGAGE · USA
Chicago Atlantic Real Estate Finance Inc. is a specialized Real Estate Investment Trust (REIT) focused on providing secured financing solutions primarily to the cannabis industry. By capitalizing on the growth of this rapidly expanding sector, the company strategically positions itself to enhance shareholder returns through a diversified portfolio. With a commitment to robust risk management and a seasoned management team equipped with deep industry insights, Chicago Atlantic aims to navigate the complexities of evolving regulatory landscapes while delivering attractive risk-adjusted returns to investors.
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