ORC
Orchid Island Capital, Inc.
REIT - Mortgage
Market Cap$1.05B
5Y Perf.-66.2%
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Stock Comparison
ORC vs AGNC vs NLY vs TWO vs MFA
Revenue, margins, valuation, and 5-year total return — side by side.
AGNC
AGNC Investment Corp.
REIT - Mortgage
Market Cap$9.62B
5Y Perf.-16.1%
NLY
Annaly Capital Management, Inc.
REIT - Mortgage
Market Cap$16.08B
5Y Perf.-8.2%
TWO
Two Harbors Investment Corp.
REIT - Mortgage
Market Cap$1.30B
5Y Perf.-30.6%
MFA
MFA Financial, Inc.
REIT - Mortgage
Market Cap$995M
5Y Perf.+46.4%
ORC vs AGNC vs NLY vs TWO vs MFA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ORC | AGNC | NLY | TWO | MFA |
|---|---|---|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $1.05B | $9.62B | $16.08B | $1.30B | $995M |
| Revenue (TTM) | $202M | $3.46B | $6.70B | $765M | $650M |
| Net Income (TTM) | $159M | $838M | $2.03B | $-343M | $135M |
| Gross Margin | 53.7% | 100.0% | 99.2% | 88.0% | 59.3% |
| Operating Margin | 16.1% | 107.1% | 102.6% | 57.3% | 41.0% |
| Forward P/E | 6.0x | 7.0x | 7.5x | 11.0x | 7.5x |
| Total Debt | $10.24B | $64M | $111.86B | $8.56B | $10.99B |
| Cash & Equiv. | $725M | $505M | $2.04B | $842M | $213M |
ORC vs AGNC vs NLY vs TWO vs MFA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ORC
AGNC
NLY
TWO
MFA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Orchid Island Capit… (ORC) | 100 | 33.8 | -66.2% |
| AGNC Investment Cor… (AGNC) | 100 | 83.9 | -16.1% |
| Annaly Capital Mana… (NLY) | 100 | 91.8 | -8.2% |
| Two Harbors Investm… (TWO) | 100 | 69.4 | -30.6% |
| MFA Financial, Inc. (MFA) | 100 | 146.4 | +46.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ORC vs AGNC vs NLY vs TWO vs MFA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ORC leads in 4 of 7 categories (5-stock set), making it the strongest pick for valuation and capital efficiency and profitability and margin quality. AGNC Investment Corp. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. TWO also leads in specific categories worth noting. As sector peers, any of these can serve as alternatives in the same allocation.
ORC
Orchid Island Capital, Inc.
The Real Estate Income Play
ORC carries the broadest edge in this set and is the clearest fit for income & stability and defensive.
- Dividend streak 0 yrs, beta 0.63, yield 20.1%
- Beta 0.63, yield 20.1%, current ratio 0.09x
- Lower P/E (6.0x vs 7.5x)
- 78.5% margin vs TWO's -44.8%
Best for: income & stability and defensive
AGNC
AGNC Investment Corp.
The Real Estate Income Play
AGNC is the #2 pick in this set and the best alternative if growth exposure is your priority.
- Rev growth 384.7%, EPS growth 17.6%, 3Y rev CAGR 26.4%
- 384.7% FFO/revenue growth vs TWO's -28.4%
- +39.4% vs ORC's +17.4%
Best for: growth exposure
NLY
Annaly Capital Management, Inc.
The Real Estate Income Play
NLY is the clearest fit if your priority is long-term compounding.
- 35.5% 10Y total return vs AGNC's 46.9%
Best for: long-term compounding
TWO
Two Harbors Investment Corp.
The Real Estate Income Play
TWO ranks third and is worth considering specifically for sleep-well-at-night.
- Lower volatility, beta 0.49, current ratio 0.13x
- Beta 0.49 vs MFA's 0.77, lower leverage
Best for: sleep-well-at-night
MFA
MFA Financial, Inc.
The REIT Holding
Among these 5 stocks, MFA doesn't own a clear edge in any measured category.
Best for: portfolio exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AGNC | 384.7% FFO/revenue growth vs TWO's -28.4% |
| Value | ORC | Lower P/E (6.0x vs 7.5x) |
| Quality / Margins | ORC | 78.5% margin vs TWO's -44.8% |
| Stability / Safety | TWO | Beta 0.49 vs MFA's 0.77, lower leverage |
| Dividends | ORC | 20.1% yield, vs MFA's 18.4% |
| Momentum (1Y) | AGNC | +39.4% vs ORC's +17.4% |
| Efficiency (ROA) | ORC | 1.8% ROA vs TWO's -3.0%, ROIC 2.1% vs 3.1% |
ORC vs AGNC vs NLY vs TWO vs MFA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
FY 2021
Segment breakdown not available.
Segment breakdown not available.
ORC vs AGNC vs NLY vs TWO vs MFA — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLORCLAGGINGMFA
Who Leads Where
ORC leads in 1 of 6 categories
NLY leads 1 • AGNC leads 0 • TWO leads 0 • MFA leads 0 • 4 tied
Explore the data ↓MFAMFA Financial, Inc.
0leads
TWOTwo Harbors Investmen…
0leads
AGNCAGNC Investment Corp.
0leads
NLYAnnaly Capital Manage…
1leads
ORCOrchid Island Capital…
1leads
6 Total Categories
CATEGORYLEADERvs NLYvs AGNCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ORC4/6
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
NLY3/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
ORC leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
NLY is the larger business by revenue, generating $6.7B annually — 33.1x ORC's $202M. ORC is the more profitable business, keeping 78.5% of every revenue dollar as net income compared to TWO's -44.8%. On growth, ORC holds the edge at +12.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ORCOrchid Island Cap… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… | TWOTwo Harbors Inves… | MFAMFA Financial, In… |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $202M | $3.5B | $6.7B | $765M | $650M |
| EBITDAEarnings before interest/tax | $197M | $3.7B | $6.9B | $70M | $268M |
| Net IncomeAfter-tax profit | $159M | $838M | $2.0B | -$343M | $135M |
| Free Cash FlowCash after capex | $120M | $604M | -$222M | -$66M | $91M |
| Gross MarginGross profit ÷ Revenue | +53.7% | +100.0% | +99.2% | +88.0% | +59.3% |
| Operating MarginEBIT ÷ Revenue | +16.1% | +107.1% | +102.6% | +57.3% | +41.0% |
| Net MarginNet income ÷ Revenue | +78.5% | +24.2% | +30.3% | -44.8% | +20.7% |
| FCF MarginFCF ÷ Revenue | +59.5% | +17.5% | -3.3% | -8.7% | +14.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | +12.3% | +2.5% | -8.4% | +3.2% | +118.9% |
| EPS Growth (YoY)Latest quarter vs prior year | +7.9% | +84.6% | +79.5% | +120.2% | -103.0% |
ORC leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
Evenly matched — ORC and MFA each lead in 2 of 6 comparable metrics.
Valuation Metrics
At 5.6x trailing earnings, ORC trades at a 51% valuation discount to AGNC's 11.5x P/E. On an enterprise value basis, AGNC's 2.4x EV/EBITDA is more attractive than TWO's 198.1x.
| Metric | ORCOrchid Island Cap… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… | TWOTwo Harbors Inves… | MFAMFA Financial, In… |
|---|---|---|---|---|---|
| Market CapShares × price | $1.1B | $9.6B | $16.1B | $1.3B | $995M |
| Enterprise ValueMkt cap + debt − cash | $10.6B | $9.2B | $125.9B | $9.0B | $11.8B |
| Trailing P/EPrice ÷ TTM EPS | 5.60x | 11.53x | 7.67x | -2.84x | 5.80x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.99x | 6.96x | 7.53x | 11.00x | 7.52x |
| PEG RatioP/E ÷ EPS growth rate | 0.11x | — | — | — | — |
| EV / EBITDAEnterprise value multiple | 22.75x | 2.42x | 18.32x | 198.07x | 17.07x |
| Price / SalesMarket cap ÷ Revenue | 5.87x | 1.97x | 2.40x | 2.15x | 1.14x |
| Price / BookPrice ÷ Book value/share | 0.65x | 0.86x | 0.89x | 0.72x | 0.56x |
| Price / FCFMarket cap ÷ FCF | 8.75x | 111.86x | — | 14.63x | 13.06x |
Evenly matched — ORC and MFA each lead in 2 of 6 comparable metrics.
Profitability & Efficiency
Evenly matched — ORC and AGNC each lead in 4 of 9 comparable metrics.
Profitability & Efficiency
ORC delivers a 15.1% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $-19 for TWO. AGNC carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to ORC's 7.47x. On the Piotroski fundamental quality scale (0–9), ORC scores 6/9 vs TWO's 3/9, reflecting solid financial health.
| Metric | ORCOrchid Island Cap… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… | TWOTwo Harbors Inves… | MFAMFA Financial, In… |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +15.1% | +7.3% | +14.1% | -19.1% | +7.4% |
| ROA (TTM)Return on assets | +1.8% | +0.8% | +1.7% | -3.0% | +1.1% |
| ROICReturn on invested capital | +2.1% | +34.0% | +6.4% | +3.1% | +4.4% |
| ROCEReturn on capital employed | +11.1% | +4.9% | +19.7% | +16.9% | +5.8% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 | 5 | 3 | 5 |
| Debt / EquityFinancial leverage | 7.47x | 0.01x | 6.92x | 4.79x | 6.01x |
| Net DebtTotal debt minus cash | $9.5B | -$441M | $109.8B | $7.7B | $10.8B |
| Cash & Equiv.Liquid assets | $725M | $505M | $2.0B | $842M | $213M |
| Total DebtShort + long-term debt | $10.2B | $64M | $111.9B | $8.6B | $11.0B |
| Interest CoverageEBIT ÷ Interest expense | 1.52x | 1.32x | 1.42x | 0.09x | 1.34x |
Evenly matched — ORC and AGNC each lead in 4 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NLY leads this category, winning 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NLY five years ago would be worth $10,144 today (with dividends reinvested), compared to $6,174 for ORC. Over the past 12 months, AGNC leads with a +39.4% total return vs ORC's +17.4%. The 3-year compound annual growth rate (CAGR) favors NLY at 17.0% vs ORC's 5.0% — a key indicator of consistent wealth creation.
| Metric | ORCOrchid Island Cap… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… | TWOTwo Harbors Inves… | MFAMFA Financial, In… |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +0.5% | +2.5% | +0.8% | +23.4% | +6.1% |
| 1-Year ReturnPast 12 months | +17.4% | +39.4% | +31.7% | +18.8% | +19.2% |
| 3-Year ReturnCumulative with dividends | +15.9% | +58.3% | +60.1% | +46.8% | +34.1% |
| 5-Year ReturnCumulative with dividends | -38.3% | -2.2% | +1.4% | -20.4% | -0.6% |
| 10-Year ReturnCumulative with dividends | -7.2% | +46.9% | +35.5% | -6.6% | +7.8% |
| CAGR (3Y)Annualised 3-year return | +5.0% | +16.5% | +17.0% | +13.6% | +10.3% |
NLY leads this category, winning 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — TWO and MFA each lead in 1 of 2 comparable metrics.
Risk & Volatility
TWO is the less volatile stock with a 0.49 beta — it tends to amplify market swings less than MFA's 0.77 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 ORC's 82.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ORCOrchid Island Cap… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… | TWOTwo Harbors Inves… | MFAMFA Financial, In… |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.65x | 0.76x | 0.65x | 0.47x | 0.72x |
| 52-Week HighHighest price in past year | $8.40 | $12.19 | $24.52 | $14.17 | $10.57 |
| 52-Week LowLowest price in past year | $6.62 | $8.65 | $18.43 | $8.78 | $8.78 |
| % of 52W HighCurrent price vs 52-week peak | +82.7% | +87.9% | +91.3% | +87.4% | +92.2% |
| RSI (14)Momentum oscillator 0–100 | 45.7 | 52.1 | 52.7 | 70.7 | 43.8 |
| Avg Volume (50D)Average daily shares traded | 6.5M | 18.2M | 7.0M | 3.5M | 1.4M |
Evenly matched — TWO and MFA each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — ORC and NLY and MFA each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: ORC as "Hold", AGNC as "Hold", NLY as "Buy", TWO as "Hold", MFA as "Hold". Consensus price targets imply 13.1% upside for TWO (target: $14) vs 3.8% for AGNC (target: $11). For income investors, ORC offers the higher dividend yield at 20.06% vs NLY's 13.11%.
| Metric | ORCOrchid Island Cap… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… | TWOTwo Harbors Inves… | MFAMFA Financial, In… |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold | Buy | Hold | Hold |
| Price TargetConsensus 12-month target | $7.50 | $11.13 | $24.50 | $14.00 | $10.25 |
| # AnalystsCovering analysts | 5 | 35 | 28 | 22 | 23 |
| Dividend YieldAnnual dividend ÷ price | +20.1% | +14.7% | +13.1% | +13.2% | +18.4% |
| Dividend StreakConsecutive years of raises | 0 | 0 | 1 | 0 | 1 |
| Dividend / ShareAnnual DPS | $1.39 | $1.58 | $2.94 | $1.64 | $1.79 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | 0.0% | +0.1% | +0.1% | +1.5% |
Evenly matched — ORC and NLY and MFA each lead in 1 of 2 comparable metrics.
Key Takeaway
ORC leads in 1 of 6 categories (Income & Cash Flow). NLY leads in 1 (Total Returns). 4 tied.
Best OverallOrchid Island Capital, Inc. (ORC)Leads 1 of 6 categories
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ORC vs AGNC vs NLY vs TWO vs MFA: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is ORC or AGNC or NLY or TWO or MFA a better buy right now?
For growth investors, AGNC Investment Corp.
(AGNC) is the stronger pick with 384. 7% revenue growth year-over-year, versus -28. 4% for Two Harbors Investment Corp. (TWO). Orchid Island Capital, Inc. (ORC) offers the better valuation at 5. 6x trailing P/E (6. 0x forward), making it the more compelling value choice. Analysts rate Annaly Capital Management, Inc. (NLY) a "Buy" — based on 28 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 — ORC or AGNC or NLY or TWO or MFA?
On trailing P/E, Orchid Island Capital, Inc.
(ORC) is the cheapest at 5. 6x versus AGNC Investment Corp. at 11. 5x. On forward P/E, Orchid Island Capital, Inc. is actually cheaper at 6. 0x.
03Which is the better long-term investment — ORC or AGNC or NLY or TWO or MFA?
Over the past 5 years, Annaly Capital Management, Inc.
(NLY) delivered a total return of +1. 4%, compared to -38. 3% for Orchid Island Capital, Inc. (ORC). Over 10 years, the gap is even starker: AGNC returned +47. 6% versus ORC's -7. 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 — ORC or AGNC or NLY or TWO or MFA?
By beta (market sensitivity over 5 years), Two Harbors Investment Corp.
(TWO) is the lower-risk stock at 0. 47β versus AGNC Investment Corp. 's 0. 76β — meaning AGNC is approximately 60% more volatile than TWO relative to the S&P 500. On balance sheet safety, AGNC Investment Corp. (AGNC) carries a lower debt/equity ratio of 1% versus 7% for Orchid Island Capital, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — ORC or AGNC or NLY or TWO or MFA?
By revenue growth (latest reported year), AGNC Investment Corp.
(AGNC) is pulling ahead at 384. 7% versus -28. 4% for Two Harbors Investment Corp. (TWO). On earnings-per-share growth, the picture is similar: AGNC Investment Corp. grew EPS 1760% year-over-year, compared to -284. 0% for Two Harbors Investment Corp.. Over a 3-year CAGR, TWO leads at 263. 5% 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 — ORC or AGNC or NLY or TWO or MFA?
Orchid Island Capital, Inc.
(ORC) is the more profitable company, earning 88. 6% net margin versus -75. 0% for Two Harbors Investment Corp. — meaning it keeps 88. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NLY leads at 102. 6% versus 68. 7% for TWO. At the gross margin level — before operating expenses — AGNC leads at 100. 0%, 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 ORC or AGNC or NLY or TWO or MFA more undervalued right now?
On forward earnings alone, Orchid Island Capital, Inc.
(ORC) trades at 6. 0x forward P/E versus 11. 0x for Two Harbors Investment Corp. — 5. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TWO: 13. 1% to $14. 00.
08Which pays a better dividend — ORC or AGNC or NLY or TWO or MFA?
All stocks in this comparison pay dividends.
Orchid Island Capital, Inc. (ORC) offers the highest yield at 20. 1%, versus 13. 1% for Annaly Capital Management, Inc. (NLY).
09Is ORC or AGNC or NLY or TWO or MFA better for a retirement portfolio?
For long-horizon retirement investors, Two Harbors Investment Corp.
(TWO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 47), 13. 2% yield). Both have compounded well over 10 years (TWO: -6. 3%, AGNC: +47. 6%), 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 ORC and AGNC and NLY and TWO and MFA?
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: ORC is a small-cap high-growth stock; AGNC is a small-cap high-growth stock; NLY is a mid-cap deep-value stock; TWO is a small-cap income-oriented stock; MFA 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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Revenue Growth>
%
(ORC: 1235.0% · AGNC: 245.9%)Net Margin>
%
(ORC: 78.5% · AGNC: 24.2%)P/E Ratio<
x
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