WallStSmart

Annaly Capital Management, Inc. (NLY)vsSachem Capital Corp (SACH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Annaly Capital Management, Inc. generates 60875% more annual revenue ($2.38B vs $3.91M). NLY leads profitability with a 85.1% profit margin vs 0.0%. SACH appears more attractively valued with a PEG of 0.15. NLY earns a higher WallStSmart Score of 75/100 (B).

NLY

Strong Buy

75

out of 100

Grade: B

Growth: 9.3Profit: 7.5Value: 7.3Quality: 2.5
Piotroski: 3/9Altman Z: -0.56

SACH

Hold

37

out of 100

Grade: F

Growth: 2.0Profit: 2.5Value: 6.7Quality: 5.5
Piotroski: 6/9Altman Z: 0.71
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NLYUndervalued (+83.2%)

Margin of Safety

+83.2%

Fair Value

$135.72

Current Price

$21.41

$114.31 discount

UndervaluedFair: $135.72Overvalued

Intrinsic value data unavailable for SACH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NLY6 strengths · Avg: 10.0/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
85.1%10/10

Keeps 85 of every $100 in revenue as profit

Operating MarginProfitability
93.7%10/10

Strong operational efficiency at 93.7%

Revenue GrowthGrowth
113.9%10/10

Revenue surging 113.9% year-over-year

EPS GrowthGrowth
81.1%10/10

Earnings expanding 81.1% YoY

SACH2 strengths · Avg: 10.0/10
PEG RatioValuation
0.1510/10

Growing faster than its price suggests

Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Areas to Watch

NLY4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
32.032/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.562/10

Distress zone — elevated risk

Debt/EquityHealth
6.951/10

Elevated debt levels

SACH4 concerns · Avg: 2.8/10
Market CapQuality
$52.46M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Debt/EquityHealth
1.663/10

Elevated debt levels

Return on EquityProfitability
-16.3%2/10

ROE of -16.3% — below average capital efficiency

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 85.1% and operating margin at 93.7%. Revenue growth of 113.9% demonstrates continued momentum.

Bull Case : SACH

The strongest argument for SACH centers on PEG Ratio, Price/Book. PEG of 0.15 suggests the stock is reasonably priced for its growth.

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 : SACH

The primary concerns for SACH are Market Cap, Profit Margin, Debt/Equity. Debt-to-equity of 1.66 is elevated, increasing financial risk.

Key Dynamics to Monitor

NLY profiles as a growth stock while SACH 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 37/100), backed by strong 85.1% margins and 113.9% 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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Sachem Capital Corp

REAL ESTATE · REIT - MORTGAGE · USA

Sachem Capital Corp. The company is headquartered in Branford, Connecticut.

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