GPMT vs KREF

For growth investors, Granite Point Mortgage Trust Inc.

(GPMT) is the stronger pick with 187. 8% revenue growth year-over-year, versus -22. 7% for KKR Real Estate Finance Trust Inc. (KREF). Analysts rate KKR Real Estate Finance Trust Inc. (KREF) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

Over the past 5 years, KKR Real Estate Finance Trust Inc.

(KREF) delivered a total return of -36. 0%, compared to -65. 1% for Granite Point Mortgage Trust Inc. (GPMT). Over 10 years, the gap is even starker: KREF returned -9. 1% versus GPMT's -50. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), KKR Real Estate Finance Trust Inc.

(KREF) is the lower-risk stock at 0. 87β versus Granite Point Mortgage Trust Inc. 's 1. 44β — meaning GPMT is approximately 65% more volatile than KREF relative to the S&P 500. On balance sheet safety, Granite Point Mortgage Trust Inc. (GPMT) carries a lower debt/equity ratio of 2% versus 4% for KKR Real Estate Finance Trust Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Granite Point Mortgage Trust Inc.

(GPMT) is pulling ahead at 187. 8% versus -22. 7% for KKR Real Estate Finance Trust Inc. (KREF). On earnings-per-share growth, the picture is similar: Granite Point Mortgage Trust Inc. grew EPS 73. 7% year-over-year, compared to -652. 6% for KKR Real Estate Finance Trust Inc.. Over a 3-year CAGR, GPMT leads at 22. 9% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

KKR Real Estate Finance Trust Inc.

(KREF) is the more profitable company, earning -10. 3% net margin versus -28. 3% for Granite Point Mortgage Trust Inc. — meaning it keeps -10. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KREF leads at 59. 3% versus 43. 6% for GPMT. At the gross margin level — before operating expenses — KREF leads at 88. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

All stocks in this comparison pay dividends.

KKR Real Estate Finance Trust Inc. (KREF) offers the highest yield at 15. 2%, versus 14. 5% for Granite Point Mortgage Trust Inc. (GPMT).

For long-horizon retirement investors, KKR Real Estate Finance Trust Inc.

(KREF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 87), 15. 2% yield). Both have compounded well over 10 years (KREF: -9. 1%, GPMT: -50. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: GPMT is a small-cap high-growth stock; KREF is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.