WallStSmart

Annaly Capital Management, Inc. (NLY)vsRithm Property Trust Inc. (RPT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Annaly Capital Management, Inc. generates 11032% more annual revenue ($2.50B vs $22.47M). NLY leads profitability with a 87.4% profit margin vs 12.8%. NLY earns a higher WallStSmart Score of 77/100 (B+).

NLY

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 4.7Quality: 2.5
Piotroski: 3/9Altman Z: -0.56

RPT

Hold

44

out of 100

Grade: D

Growth: 4.7Profit: 4.0Value: 5.0Quality: 3.8
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NLYSignificantly Overvalued (-37.9%)

Margin of Safety

-37.9%

Fair Value

$16.54

Current Price

$21.22

$4.68 premium

UndervaluedFair: $16.54Overvalued

Intrinsic value data unavailable for RPT.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NLY6 strengths · Avg: 10.0/10
P/E RatioValuation
7.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
87.4%10/10

Keeps 87 of every $100 in revenue as profit

Operating MarginProfitability
81.0%10/10

Strong operational efficiency at 81.0%

Revenue GrowthGrowth
48.8%10/10

Revenue surging 48.8% year-over-year

EPS GrowthGrowth
122.5%10/10

Earnings expanding 122.5% YoY

RPT2 strengths · Avg: 10.0/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
108.0%10/10

Revenue surging 108.0% year-over-year

Areas to Watch

NLY4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
32.032/10

Expensive relative to growth rate

Free Cash FlowQuality
$-1.90B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.562/10

Distress zone — elevated risk

RPT4 concerns · Avg: 2.5/10
Market CapQuality
$114.41M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.0%3/10

ROE of 1.0% — below average capital efficiency

EPS GrowthGrowth
-27.1%2/10

Earnings declined 27.1%

Free Cash FlowQuality
$-2.96M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : RPT

The strongest argument for RPT centers on Price/Book, Revenue Growth. Revenue growth of 108.0% demonstrates continued momentum.

Bear Case : NLY

The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Free Cash Flow. Debt-to-equity of 7.18 is elevated, increasing financial risk.

Bear Case : RPT

The primary concerns for RPT are Market Cap, Return on Equity, EPS Growth. Debt-to-equity of 2.22 is elevated, increasing financial risk.

Key Dynamics to Monitor

NLY carries more volatility with a beta of 1.25 — expect wider price swings.

RPT is growing revenue faster at 108.0% — sustainability is the question.

RPT generates stronger free cash flow (-3M), providing more financial flexibility.

Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

NLY scores higher overall (77/100 vs 44/100), backed by strong 87.4% margins and 48.8% revenue growth. 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.

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.

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Rithm Property Trust Inc.

REAL ESTATE · REIT - MORTGAGE · USA

RPT Realty owns and operates a national portfolio of outdoor shopping destinations located primarily in major US markets.

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