REIT - Retail
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BFS vs RPT
Revenue, margins, valuation, and 5-year total return — side by side.
REIT - Mortgage
BFS vs RPT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | REIT - Retail | REIT - Mortgage |
| Market Cap | $838M | $115M |
| Revenue (TTM) | $298M | $40M |
| Net Income (TTM) | $37M | $1M |
| Gross Margin | 69.0% | 65.0% |
| Operating Margin | 60.0% | 24.3% |
| Forward P/E | 60.0x | 98.7x |
| Total Debt | $1.61B | $742M |
| Cash & Equiv. | $9M | $79M |
BFS vs RPT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Saul Centers, Inc. (BFS) | 100 | 112.6 | +12.6% |
| Rithm Property Trus… (RPT) | 100 | 184.5 | +84.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BFS vs RPT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
BFS carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.32, yield 6.9%
- Lower volatility, beta 0.32, current ratio 0.06x
- Lower P/E (60.0x vs 98.7x)
RPT is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 11.8%, EPS growth 97.4%, 3Y rev CAGR -37.6%
- 425.3% 10Y total return vs BFS's -2.4%
- Beta 0.66, yield 9.6%, current ratio 1.20x
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 11.8% FFO/revenue growth vs BFS's 8.5% | |
| Value | Lower P/E (60.0x vs 98.7x) | |
| Quality / Margins | 12.4% margin vs RPT's 3.7% | |
| Stability / Safety | Beta 0.32 vs RPT's 0.66 | |
| Dividends | 6.9% yield, 1-year raise streak, vs RPT's 9.6% | |
| Momentum (1Y) | +487.6% vs BFS's +11.4% | |
| Efficiency (ROA) | 1.7% ROA vs RPT's 0.1%, ROIC 4.4% vs 3.1% |
BFS vs RPT — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
BFS vs RPT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
BFS leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
BFS is the larger business by revenue, generating $298M annually — 7.5x RPT's $40M. BFS is the more profitable business, keeping 12.4% of every revenue dollar as net income compared to RPT's 3.7%. On growth, BFS holds the edge at +8.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $298M | $40M |
| EBITDAEarnings before interest/tax | $223M | $19M |
| Net IncomeAfter-tax profit | $37M | $1M |
| Free Cash FlowCash after capex | $99M | -$6M |
| Gross MarginGross profit ÷ Revenue | +69.0% | +65.0% |
| Operating MarginEBIT ÷ Revenue | +60.0% | +24.3% |
| Net MarginNet income ÷ Revenue | +12.4% | +3.7% |
| FCF MarginFCF ÷ Revenue | +33.1% | -15.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +8.9% | -5.5% |
| EPS Growth (YoY)Latest quarter vs prior year | -10.3% | -27.8% |
Valuation Metrics
RPT leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, BFS's 13.7x EV/EBITDA is more attractive than RPT's 20.0x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $838M | $115M |
| Enterprise ValueMkt cap + debt − cash | $2.4B | $777M |
| Trailing P/EPrice ÷ TTM EPS | 22.06x | -42.03x |
| Forward P/EPrice ÷ next-FY EPS est. | 60.00x | 98.70x |
| PEG RatioP/E ÷ EPS growth rate | 5.02x | — |
| EV / EBITDAEnterprise value multiple | 13.67x | 19.96x |
| Price / SalesMarket cap ÷ Revenue | 2.87x | 2.17x |
| Price / BookPrice ÷ Book value/share | 1.74x | 0.39x |
| Price / FCFMarket cap ÷ FCF | 8.39x | — |
Profitability & Efficiency
BFS leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
BFS delivers a 7.7% return on equity — every $100 of shareholder capital generates $8 in annual profit, vs $1 for RPT. RPT carries lower financial leverage with a 2.55x debt-to-equity ratio, signaling a more conservative balance sheet compared to BFS's 3.37x. On the Piotroski fundamental quality scale (0–9), RPT scores 5/9 vs BFS's 4/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +7.7% | +0.5% |
| ROA (TTM)Return on assets | +1.7% | +0.1% |
| ROICReturn on invested capital | +4.4% | +3.1% |
| ROCEReturn on capital employed | +8.1% | +6.3% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 3.37x | 2.55x |
| Net DebtTotal debt minus cash | $1.6B | $663M |
| Cash & Equiv.Liquid assets | $9M | $79M |
| Total DebtShort + long-term debt | $1.6B | $742M |
| Interest CoverageEBIT ÷ Interest expense | 1.70x | 1.04x |
Total Returns (Dividends Reinvested)
RPT leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RPT five years ago would be worth $28,176 today (with dividends reinvested), compared to $10,453 for BFS. Over the past 12 months, RPT leads with a +487.6% total return vs BFS's +11.4%. The 3-year compound annual growth rate (CAGR) favors RPT at 61.1% vs BFS's 7.7% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +12.1% | -5.7% |
| 1-Year ReturnPast 12 months | +11.4% | +487.6% |
| 3-Year ReturnCumulative with dividends | +24.8% | +318.3% |
| 5-Year ReturnCumulative with dividends | +4.5% | +181.8% |
| 10-Year ReturnCumulative with dividends | -2.4% | +425.3% |
| CAGR (3Y)Annualised 3-year return | +7.7% | +61.1% |
Risk & Volatility
BFS leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
BFS is the less volatile stock with a 0.32 beta — it tends to amplify market swings less than RPT's 0.66 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BFS currently trades 95.7% from its 52-week high vs RPT's 86.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.32x | 0.66x |
| 52-Week HighHighest price in past year | $35.75 | $17.46 |
| 52-Week LowLowest price in past year | $29.16 | $2.37 |
| % of 52W HighCurrent price vs 52-week peak | +95.7% | +86.7% |
| RSI (14)Momentum oscillator 0–100 | 53.4 | 57.6 |
| Avg Volume (50D)Average daily shares traded | 57K | 26K |
Analyst Outlook
Evenly matched — BFS and RPT each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BFS as "Hold" and RPT as "Hold". Consensus price targets imply 58.6% upside for RPT (target: $24) vs 27.2% for BFS (target: $44). For income investors, RPT offers the higher dividend yield at 9.63% vs BFS's 6.90%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $43.50 | $24.00 |
| # AnalystsCovering analysts | 7 | 25 |
| Dividend YieldAnnual dividend ÷ price | +6.9% | +9.6% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $2.36 | $1.46 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
BFS leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). RPT leads in 2 (Valuation Metrics, Total Returns). 1 tied.
BFS vs RPT: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BFS or RPT a better buy right now?
For growth investors, Rithm Property Trust Inc.
(RPT) is the stronger pick with 11. 8% revenue growth year-over-year, versus 8. 5% for Saul Centers, Inc. (BFS). Saul Centers, Inc. (BFS) offers the better valuation at 22. 1x trailing P/E (60. 0x forward), making it the more compelling value choice. Analysts rate Saul Centers, Inc. (BFS) a "Hold" — 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 — BFS or RPT?
On forward P/E, Saul Centers, Inc.
is actually cheaper at 60. 0x.
03Which is the better long-term investment — BFS or RPT?
Over the past 5 years, Rithm Property Trust Inc.
(RPT) delivered a total return of +181. 8%, compared to +4. 5% for Saul Centers, Inc. (BFS). Over 10 years, the gap is even starker: RPT returned +425. 3% versus BFS's -2. 4%. 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 — BFS or RPT?
By beta (market sensitivity over 5 years), Saul Centers, Inc.
(BFS) is the lower-risk stock at 0. 32β versus Rithm Property Trust Inc. 's 0. 66β — meaning RPT is approximately 107% more volatile than BFS relative to the S&P 500. On balance sheet safety, Rithm Property Trust Inc. (RPT) carries a lower debt/equity ratio of 3% versus 3% for Saul Centers, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — BFS or RPT?
By revenue growth (latest reported year), Rithm Property Trust Inc.
(RPT) is pulling ahead at 11. 8% versus 8. 5% for Saul Centers, Inc. (BFS). On earnings-per-share growth, the picture is similar: Rithm Property Trust Inc. grew EPS 97. 4% year-over-year, compared to -4. 9% for Saul Centers, Inc.. Over a 3-year CAGR, BFS leads at 5. 8% 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 — BFS or RPT?
Saul Centers, Inc.
(BFS) is the more profitable company, earning 12. 9% net margin versus 2. 8% for Rithm Property Trust Inc. — meaning it keeps 12. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RPT leads at 73. 7% versus 41. 0% for BFS. At the gross margin level — before operating expenses — RPT leads at 84. 4%, 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 BFS or RPT more undervalued right now?
On forward earnings alone, Saul Centers, Inc.
(BFS) trades at 60. 0x forward P/E versus 98. 7x for Rithm Property Trust Inc. — 38. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for RPT: 58. 6% to $24. 00.
08Which pays a better dividend — BFS or RPT?
All stocks in this comparison pay dividends.
Rithm Property Trust Inc. (RPT) offers the highest yield at 9. 6%, versus 6. 9% for Saul Centers, Inc. (BFS).
09Is BFS or RPT better for a retirement portfolio?
For long-horizon retirement investors, Saul Centers, Inc.
(BFS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 32), 6. 9% yield). Both have compounded well over 10 years (BFS: -2. 4%, RPT: +425. 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.
10What are the main differences between BFS and RPT?
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.
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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