REIT - Mortgage
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AOMR vs MITT vs MFA vs GPMT
Revenue, margins, valuation, and 5-year total return — side by side.
REIT - Mortgage
REIT - Mortgage
REIT - Mortgage
AOMR vs MITT vs MFA vs GPMT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||||
|---|---|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $220M | $249M | $995M | $74M |
| Revenue (TTM) | $104M | $493M | $650M | $132M |
| Net Income (TTM) | $16M | $34M | $135M | $-40M |
| Gross Margin | 67.7% | 94.2% | 59.3% | 47.3% |
| Operating Margin | 43.7% | 93.3% | 41.0% | -4.3% |
| Forward P/E | 6.8x | 7.2x | 7.1x | — |
| Total Debt | $308M | $8.10B | $10.99B | $1.17B |
| Cash & Equiv. | $42M | $76M | $213M | $66M |
AOMR vs MITT vs MFA vs GPMT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 21 | May 26 | Return |
|---|---|---|---|
| Angel Oak Mortgage,… (AOMR) | 100 | 49.4 | -50.6% |
| TPG Mortgage Invest… (MITT) | 100 | 61.2 | -38.8% |
| MFA Financial, Inc. (MFA) | 100 | 53.1 | -46.9% |
| Granite Point Mortg… (GPMT) | 100 | 10.5 | -89.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AOMR vs MITT vs MFA vs GPMT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
AOMR is the #2 pick in this set and the best alternative if sleep-well-at-night is your priority.
- Lower volatility, beta 0.67, current ratio 0.17x
- Better valuation composite
- Beta 0.67 vs GPMT's 1.44, lower leverage
MITT is the clearest fit if your priority is momentum.
- +29.0% vs GPMT's -19.7%
MFA carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.77, yield 18.4%
- Rev growth 213.0%, EPS growth 104.9%
- 7.8% 10Y total return vs MITT's -16.9%
- Beta 0.77, yield 18.4%, current ratio 2.18x
GPMT lags the leaders in this set but could rank higher in a more targeted comparison.
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 213.0% FFO/revenue growth vs MITT's 14.4% | |
| Value | Better valuation composite | |
| Quality / Margins | 20.7% margin vs GPMT's -30.5% | |
| Stability / Safety | Beta 0.67 vs GPMT's 1.44, lower leverage | |
| Dividends | 18.4% yield, 1-year raise streak, vs AOMR's 14.4% | |
| Momentum (1Y) | +29.0% vs GPMT's -19.7% | |
| Efficiency (ROA) | 1.1% ROA vs GPMT's -2.3%, ROIC 4.4% vs 2.6% |
AOMR vs MITT vs MFA vs GPMT — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
Segment breakdown not available.
AOMR vs MITT vs MFA vs GPMT — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
GPMT leads in 1 of 6 categories
AOMR leads 1 • MITT leads 1 • MFA leads 1 • 2 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
Evenly matched — MITT and MFA and GPMT each lead in 2 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
MFA is the larger business by revenue, generating $650M annually — 6.3x AOMR's $104M. MFA is the more profitable business, keeping 20.7% of every revenue dollar as net income compared to GPMT's -30.5%. On growth, GPMT holds the edge at +157.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||||
|---|---|---|---|---|
| RevenueTrailing 12 months | $104M | $493M | $650M | $132M |
| EBITDAEarnings before interest/tax | $45M | $457M | $268M | -$8M |
| Net IncomeAfter-tax profit | $16M | $34M | $135M | -$40M |
| Free Cash FlowCash after capex | -$136M | $68M | $91M | $463,000 |
| Gross MarginGross profit ÷ Revenue | +67.7% | +94.2% | +59.3% | +47.3% |
| Operating MarginEBIT ÷ Revenue | +43.7% | +93.3% | +41.0% | -4.3% |
| Net MarginNet income ÷ Revenue | +15.6% | +6.8% | +20.7% | -30.5% |
| FCF MarginFCF ÷ Revenue | -131.8% | +13.8% | +14.0% | +0.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | -18.0% | +20.9% | +118.9% | +157.8% |
| EPS Growth (YoY)Latest quarter vs prior year | -134.5% | -2.3% | -103.0% | +40.9% |
Valuation Metrics
GPMT leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
At 4.9x trailing earnings, AOMR trades at a 44% valuation discount to MITT's 8.7x P/E. On an enterprise value basis, AOMR's 3.3x EV/EBITDA is more attractive than GPMT's 20.8x.
| Metric | ||||
|---|---|---|---|---|
| Market CapShares × price | $220M | $249M | $995M | $74M |
| Enterprise ValueMkt cap + debt − cash | $486M | $8.3B | $11.8B | $1.2B |
| Trailing P/EPrice ÷ TTM EPS | 4.91x | 8.71x | 5.80x | -1.34x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.76x | 7.20x | 7.11x | — |
| PEG RatioP/E ÷ EPS growth rate | 0.04x | — | — | — |
| EV / EBITDAEnterprise value multiple | 3.30x | 18.25x | 17.07x | 20.75x |
| Price / SalesMarket cap ÷ Revenue | 1.66x | 0.53x | 1.14x | 0.51x |
| Price / BookPrice ÷ Book value/share | 0.80x | 0.43x | 0.56x | 0.13x |
| Price / FCFMarket cap ÷ FCF | 11.84x | 4.18x | 13.06x | 27.85x |
Profitability & Efficiency
AOMR leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
MFA delivers a 7.4% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $-7 for GPMT. AOMR carries lower financial leverage with a 1.15x debt-to-equity ratio, signaling a more conservative balance sheet compared to MITT's 14.45x. On the Piotroski fundamental quality scale (0–9), AOMR scores 7/9 vs MITT's 3/9, reflecting strong financial health.
| Metric | ||||
|---|---|---|---|---|
| ROE (TTM)Return on equity | +6.2% | +6.1% | +7.4% | -7.1% |
| ROA (TTM)Return on assets | +0.6% | +0.4% | +1.1% | -2.3% |
| ROICReturn on invested capital | +8.8% | +4.5% | +4.4% | +2.6% |
| ROCEReturn on capital employed | +6.7% | +6.5% | +5.8% | +4.6% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 3 | 5 | 6 |
| Debt / EquityFinancial leverage | 1.15x | 14.45x | 6.01x | 2.12x |
| Net DebtTotal debt minus cash | $266M | $8.0B | $10.8B | $1.1B |
| Cash & Equiv.Liquid assets | $42M | $76M | $213M | $66M |
| Total DebtShort + long-term debt | $308M | $8.1B | $11.0B | $1.2B |
| Interest CoverageEBIT ÷ Interest expense | 1.43x | 1.12x | 1.34x | 0.58x |
Total Returns (Dividends Reinvested)
MITT leads this category, winning 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MFA five years ago would be worth $9,942 today (with dividends reinvested), compared to $3,472 for GPMT. Over the past 12 months, MITT leads with a +29.0% total return vs GPMT's -19.7%. The 3-year compound annual growth rate (CAGR) favors MITT at 23.4% vs GPMT's -13.1% — a key indicator of consistent wealth creation.
| Metric | ||||
|---|---|---|---|---|
| YTD ReturnYear-to-date | +6.5% | -5.6% | +6.1% | -32.5% |
| 1-Year ReturnPast 12 months | +3.9% | +29.0% | +19.2% | -19.7% |
| 3-Year ReturnCumulative with dividends | +60.6% | +87.9% | +34.1% | -34.3% |
| 5-Year ReturnCumulative with dividends | -18.8% | -3.5% | -0.6% | -65.3% |
| 10-Year ReturnCumulative with dividends | -18.8% | -16.9% | +7.8% | -50.0% |
| CAGR (3Y)Annualised 3-year return | +17.1% | +23.4% | +10.3% | -13.1% |
Risk & Volatility
Evenly matched — AOMR and MFA each lead in 1 of 2 comparable metrics.
Risk & Volatility
AOMR is the less volatile stock with a 0.67 beta — it tends to amplify market swings less than GPMT's 1.44 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MFA currently trades 92.2% from its 52-week high vs GPMT's 49.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||||
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.67x | 0.90x | 0.77x | 1.44x |
| 52-Week HighHighest price in past year | $10.34 | $9.27 | $10.57 | $3.12 |
| 52-Week LowLowest price in past year | $7.96 | $6.52 | $8.78 | $1.24 |
| % of 52W HighCurrent price vs 52-week peak | +85.4% | +84.6% | +92.2% | +49.7% |
| RSI (14)Momentum oscillator 0–100 | 50.6 | 50.5 | 43.8 | 49.4 |
| Avg Volume (50D)Average daily shares traded | 71K | 277K | 1.4M | 154K |
Analyst Outlook
MFA leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: AOMR as "Buy", MITT as "Buy", MFA as "Hold", GPMT as "Hold". Consensus price targets imply 61.3% upside for GPMT (target: $3) vs 5.1% for MFA (target: $10). For income investors, MFA offers the higher dividend yield at 18.36% vs MITT's 10.04%.
| Metric | ||||
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Hold | Hold |
| Price TargetConsensus 12-month target | $9.75 | $9.63 | $10.25 | $2.50 |
| # AnalystsCovering analysts | 7 | 18 | 22 | 12 |
| Dividend YieldAnnual dividend ÷ price | +14.4% | +10.0% | +18.4% | +14.0% |
| Dividend StreakConsecutive years of raises | 0 | 1 | 1 | 0 |
| Dividend / ShareAnnual DPS | $1.27 | $0.79 | $1.79 | $0.22 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | +1.5% | +7.6% |
GPMT leads in 1 of 6 categories (Valuation Metrics). AOMR leads in 1 (Profitability & Efficiency). 2 tied.
AOMR vs MITT vs MFA vs GPMT: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is AOMR or MITT or MFA or GPMT a better buy right now?
For growth investors, MFA Financial, Inc.
(MFA) is the stronger pick with 213. 0% revenue growth year-over-year, versus 14. 4% for TPG Mortgage Investment Trust Inc (MITT). Angel Oak Mortgage, Inc. (AOMR) offers the better valuation at 4. 9x trailing P/E (6. 8x forward), making it the more compelling value choice. Analysts rate Angel Oak Mortgage, Inc. (AOMR) a "Buy" — based on 7 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.
02Which has the better valuation — AOMR or MITT or MFA or GPMT?
On trailing P/E, Angel Oak Mortgage, Inc.
(AOMR) is the cheapest at 4. 9x versus TPG Mortgage Investment Trust Inc at 8. 7x. On forward P/E, Angel Oak Mortgage, Inc. is actually cheaper at 6. 8x.
03Which is the better long-term investment — AOMR or MITT or MFA or GPMT?
Over the past 5 years, MFA Financial, Inc.
(MFA) delivered a total return of -0. 6%, compared to -65. 3% for Granite Point Mortgage Trust Inc. (GPMT). Over 10 years, the gap is even starker: MFA returned +7. 8% versus GPMT's -50. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AOMR or MITT or MFA or GPMT?
By beta (market sensitivity over 5 years), Angel Oak Mortgage, Inc.
(AOMR) is the lower-risk stock at 0. 67β versus Granite Point Mortgage Trust Inc. 's 1. 44β — meaning GPMT is approximately 114% more volatile than AOMR relative to the S&P 500. On balance sheet safety, Angel Oak Mortgage, Inc. (AOMR) carries a lower debt/equity ratio of 115% versus 14% for TPG Mortgage Investment Trust Inc — giving it more financial flexibility in a downturn.
05Which is growing faster — AOMR or MITT or MFA or GPMT?
By revenue growth (latest reported year), MFA Financial, Inc.
(MFA) is pulling ahead at 213. 0% versus 14. 4% for TPG Mortgage Investment Trust Inc (MITT). On earnings-per-share growth, the picture is similar: MFA Financial, Inc. grew EPS 104. 9% year-over-year, compared to -26. 8% for TPG Mortgage Investment 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.
06Which has better profit margins — AOMR or MITT or MFA or GPMT?
Angel Oak Mortgage, Inc.
(AOMR) is the more profitable company, earning 33. 2% net margin versus -28. 3% for Granite Point Mortgage Trust Inc. — meaning it keeps 33. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AOMR leads at 110. 8% versus 43. 6% for GPMT. At the gross margin level — before operating expenses — MFA leads at 96. 2%, 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.
07Is AOMR or MITT or MFA or GPMT more undervalued right now?
On forward earnings alone, Angel Oak Mortgage, Inc.
(AOMR) trades at 6. 8x forward P/E versus 7. 2x for TPG Mortgage Investment Trust Inc — 0. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GPMT: 61. 3% to $2. 50.
08Which pays a better dividend — AOMR or MITT or MFA or GPMT?
All stocks in this comparison pay dividends.
MFA Financial, Inc. (MFA) offers the highest yield at 18. 4%, versus 10. 0% for TPG Mortgage Investment Trust Inc (MITT).
09Is AOMR or MITT or MFA or GPMT better for a retirement portfolio?
For long-horizon retirement investors, Angel Oak Mortgage, Inc.
(AOMR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 67), 14. 4% yield). Both have compounded well over 10 years (AOMR: -18. 8%, GPMT: -50. 0%), 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.
10What are the main differences between AOMR and MITT and MFA and GPMT?
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: AOMR is a small-cap high-growth stock; MITT is a small-cap deep-value stock; MFA is a small-cap high-growth stock; GPMT is a small-cap high-growth 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.
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