WallStSmart

The Southern Company JR 2017B NT 77 (SOJC)vsTPG RE Finance Trust Inc (TRTX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TRTX leads profitability with a 43.9% profit margin vs 0.0%. TRTX trades at a lower P/E of 14.3x. TRTX earns a higher WallStSmart Score of 52/100 (C-).

SOJC

Avoid

21

out of 100

Grade: F

Growth: 4.0Profit: 4.5Value: 5.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.65

TRTX

Buy

52

out of 100

Grade: C-

Growth: 2.7Profit: 7.0Value: 6.0Quality: 2.5
Piotroski: 2/9Altman Z: 0.09

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SOJC0 strengths · Avg: 0/10

No standout strengths identified

TRTX4 strengths · Avg: 9.5/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
43.9%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
43.5%10/10

Strong operational efficiency at 43.5%

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

SOJC4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

TRTX4 concerns · Avg: 2.8/10
Market CapQuality
$603.02M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.6%3/10

ROE of 5.6% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-11.6%2/10

Revenue declined 11.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : SOJC

SOJC has a balanced fundamental profile.

Bull Case : TRTX

The strongest argument for TRTX centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 43.9% and operating margin at 43.5%.

Bear Case : SOJC

The primary concerns for SOJC are Revenue Growth, EPS Growth, Profit Margin. Debt-to-equity of 1.95 is elevated, increasing financial risk.

Bear Case : TRTX

The primary concerns for TRTX are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 3.36 is elevated, increasing financial risk.

Key Dynamics to Monitor

SOJC profiles as a value stock while TRTX is a declining play — different risk/reward profiles.

SOJC is growing revenue faster at 0.0% — sustainability is the question.

TRTX generates stronger free cash flow (19M), providing more financial flexibility.

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

Bottom Line

TRTX scores higher overall (52/100 vs 21/100), backed by strong 43.9% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

The Southern Company JR 2017B NT 77

REAL ESTATE · REIT - RESIDENTIAL · USA

The Southern Company is dedicated to the generation, transmission and distribution of electric power. The company is headquartered in Atlanta, Georgia.

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TPG RE Finance Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

TPG RE Finance Trust, Inc., a commercial real estate finance company, originates, acquires and manages commercial mortgage loans and other commercial real estate-related debt instruments in North America. The company is headquartered in New York, New York.

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