Annaly Capital Management, Inc. (NLY)vsRithm Capital Corp. (RITM)
NLY
Annaly Capital Management, Inc.
$18.75
-0.53%
REAL ESTATE · Cap: $13.79B
RITM
Rithm Capital Corp.
$9.23
-2.33%
REAL ESTATE · Cap: $5.18B
Smart Verdict
WallStSmart Research — data-driven comparison
Rithm Capital Corp. generates 237% more annual revenue ($4.69B vs $1.39B). NLY leads profitability with a 80.3% profit margin vs 10.6%. NLY trades at a lower P/E of 12.7x. NLY earns a higher WallStSmart Score of 73/100 (B).
NLY
Strong Buy73
out of 100
Grade: B
RITM
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for NLY.
Margin of Safety
+84.4%
Fair Value
$68.49
Current Price
$9.23
$59.26 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 80 of every $100 in revenue as profit
Strong operational efficiency at 107.3%
Revenue surging 479.4% year-over-year
Earnings expanding 3426.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.5%
Revenue surging 39.4% year-over-year
Attractively priced relative to earnings
Areas to Watch
ROE of 7.2% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : NLY
The strongest argument for NLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 80.3% and operating margin at 107.3%. Revenue growth of 479.4% demonstrates continued momentum.
Bull Case : RITM
The strongest argument for RITM centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 39.4% demonstrates continued momentum.
Bear Case : NLY
The primary concerns for NLY are Return on Equity, Piotroski F-Score, PEG Ratio. Debt-to-equity of 8.04 is elevated, increasing financial risk.
Bear Case : RITM
The primary concerns for RITM are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 4.90 is elevated, increasing financial risk.
Key Dynamics to Monitor
NLY carries more volatility with a beta of 1.28 — expect wider price swings.
NLY is growing revenue faster at 479.4% — sustainability is the question.
NLY generates stronger free cash flow (2.7B), providing more financial flexibility.
Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NLY scores higher overall (73/100 vs 67/100), backed by strong 80.3% margins and 479.4% revenue growth. RITM offers better value entry with a 84.4% 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 →Rithm Capital Corp.
REAL ESTATE · REIT - MORTGAGE · USA
Rhythm Capital Corp. The company is headquartered in New York, New York.
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