RITM
Rithm Capital Corp.
REIT - Mortgage
Market Cap$5.47B
5Y Perf.+36.5%
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Stock Comparison
RITM vs RWT vs AGNC vs MFA
Revenue, margins, valuation, and 5-year total return — side by side.
RWT
Redwood Trust, Inc.
REIT - Mortgage
Market Cap$697M
5Y Perf.+4.3%
AGNC
AGNC Investment Corp.
REIT - Mortgage
Market Cap$9.62B
5Y Perf.-17.2%
MFA
MFA Financial, Inc.
REIT - Mortgage
Market Cap$995M
5Y Perf.+44.2%
RITM vs RWT vs AGNC vs MFA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RITM | RWT | AGNC | MFA |
|---|---|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $5.47B | $697M | $9.62B | $995M |
| Revenue (TTM) | $5.55B | $1.06B | $3.46B | $650M |
| Net Income (TTM) | $681M | $-70M | $838M | $135M |
| Gross Margin | 92.2% | 24.0% | 100.0% | 59.3% |
| Operating Margin | 45.6% | 24.1% | 107.1% | 41.0% |
| Forward P/E | 4.3x | 7.2x | 6.9x | 7.1x |
| Total Debt | $39.58B | $22.16B | $64M | $10.99B |
| Cash & Equiv. | $1.85B | $256M | $505M | $213M |
RITM vs RWT vs AGNC vs MFA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RITM
RWT
AGNC
MFA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Rithm Capital Corp. (RITM) | 100 | 136.5 | +36.5% |
| Redwood Trust, Inc. (RWT) | 100 | 104.3 | +4.3% |
| AGNC Investment Cor… (AGNC) | 100 | 82.8 | -17.2% |
| MFA Financial, Inc. (MFA) | 100 | 144.2 | +44.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RITM vs RWT vs AGNC vs MFA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AGNC leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Rithm Capital Corp. is the stronger pick specifically for valuation and capital efficiency and operational efficiency and capital deployment. MFA also leads in specific categories worth noting. As sector peers, any of these can serve as alternatives in the same allocation.
RITM
Rithm Capital Corp.
The Real Estate Income Play
RITM is the #2 pick in this set and the best alternative if long-term compounding is your priority.
- 72.5% 10Y total return vs AGNC's 46.9%
- Lower P/E (4.3x vs 6.9x)
- 1.4% ROA vs RWT's -0.3%, ROIC 4.4% vs 3.9%
Best for: long-term compounding
RWT
Redwood Trust, Inc.
The REIT Holding
RWT lags the leaders in this set but could rank higher in a more targeted comparison.
Best for: real estate exposure
AGNC
AGNC Investment Corp.
The Real Estate Income Play
AGNC carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 384.7%, EPS growth 17.6%, 3Y rev CAGR 26.4%
- Lower volatility, beta 0.74, Low D/E 0.7%
- 384.7% FFO/revenue growth vs RITM's 20.0%
- 24.2% margin vs RWT's -6.6%
Best for: growth exposure and sleep-well-at-night
MFA
MFA Financial, Inc.
The Real Estate Income Play
MFA is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 1 yrs, beta 0.77, yield 18.4%
- Beta 0.77, yield 18.4%, current ratio 2.18x
- 18.4% yield, 1-year raise streak, vs RITM's 11.6%
Best for: income & stability and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AGNC | 384.7% FFO/revenue growth vs RITM's 20.0% |
| Value | RITM | Lower P/E (4.3x vs 6.9x) |
| Quality / Margins | AGNC | 24.2% margin vs RWT's -6.6% |
| Stability / Safety | AGNC | Beta 0.74 vs RITM's 0.86, lower leverage |
| Dividends | MFA | 18.4% yield, 1-year raise streak, vs RITM's 11.6% |
| Momentum (1Y) | AGNC | +39.4% vs RITM's -4.3% |
| Efficiency (ROA) | RITM | 1.4% ROA vs RWT's -0.3%, ROIC 4.4% vs 3.9% |
RITM vs RWT vs AGNC vs MFA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
Segment breakdown not available.
Segment breakdown not available.
RITM vs RWT vs AGNC vs MFA — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAGNCLAGGINGRWT
Who Leads Where
AGNC leads in 2 of 6 categories
RITM leads 1 • MFA leads 1 • RWT leads 0 • 2 tied
Explore the data ↓RWTRedwood Trust, Inc.
0leads
MFAMFA Financial, Inc.
1leads
RITMRithm Capital Corp.
1leads
AGNCAGNC Investment Corp.
2leads
6 Total Categories
CATEGORYLEADERvs RITMvs MFAMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AGNC4/6
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
AGNC5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
RITM4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
MFA2/2
Income & Cash Flow (Last 12 Months)
AGNC leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RITM is the larger business by revenue, generating $5.6B annually — 8.5x MFA's $650M. AGNC is the more profitable business, keeping 24.2% of every revenue dollar as net income compared to RWT's -6.6%. On growth, RWT holds the edge at +5.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RITMRithm Capital Cor… | RWTRedwood Trust, In… | AGNCAGNC Investment C… | MFAMFA Financial, In… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $5.6B | $1.1B | $3.5B | $650M |
| EBITDAEarnings before interest/tax | $2.6B | $266M | $3.7B | $268M |
| Net IncomeAfter-tax profit | $681M | -$70M | $838M | $135M |
| Free Cash FlowCash after capex | $0 | -$10.1B | $604M | $91M |
| Gross MarginGross profit ÷ Revenue | +92.2% | +24.0% | +100.0% | +59.3% |
| Operating MarginEBIT ÷ Revenue | +45.6% | +24.1% | +107.1% | +41.0% |
| Net MarginNet income ÷ Revenue | +12.3% | -6.6% | +24.2% | +20.7% |
| FCF MarginFCF ÷ Revenue | -13.4% | -9.5% | +17.5% | +14.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | +52.6% | +5.8% | +2.5% | +118.9% |
| EPS Growth (YoY)Latest quarter vs prior year | -82.0% | +2.8% | +84.6% | -103.0% |
AGNC leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
Evenly matched — RWT and MFA each lead in 2 of 6 comparable metrics.
Valuation Metrics
At 5.8x trailing earnings, MFA trades at a 50% valuation discount to AGNC's 11.5x P/E. On an enterprise value basis, AGNC's 2.4x EV/EBITDA is more attractive than RWT's 21.2x.
| Metric | RITMRithm Capital Cor… | RWTRedwood Trust, In… | AGNCAGNC Investment C… | MFAMFA Financial, In… |
|---|---|---|---|---|
| Market CapShares × price | $5.5B | $697M | $9.6B | $995M |
| Enterprise ValueMkt cap + debt − cash | $43.2B | $22.6B | $9.2B | $11.8B |
| Trailing P/EPrice ÷ TTM EPS | 9.41x | -8.86x | 11.53x | 5.80x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.31x | 7.19x | 6.87x | 7.11x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — |
| EV / EBITDAEnterprise value multiple | 16.35x | 21.22x | 2.42x | 17.07x |
| Price / SalesMarket cap ÷ Revenue | 0.96x | 0.63x | 1.97x | 1.14x |
| Price / BookPrice ÷ Book value/share | 0.60x | 0.74x | 0.86x | 0.56x |
| Price / FCFMarket cap ÷ FCF | — | — | 111.86x | 13.06x |
Evenly matched — RWT and MFA each lead in 2 of 6 comparable metrics.
Profitability & Efficiency
AGNC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
RITM delivers a 7.9% return on equity — every $100 of shareholder capital generates $8 in annual profit, vs $-7 for RWT. AGNC carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to RWT's 22.56x. On the Piotroski fundamental quality scale (0–9), AGNC scores 5/9 vs RITM's 3/9, reflecting solid financial health.
| Metric | RITMRithm Capital Cor… | RWTRedwood Trust, In… | AGNCAGNC Investment C… | MFAMFA Financial, In… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +7.9% | -6.6% | +7.3% | +7.4% |
| ROA (TTM)Return on assets | +1.4% | -0.3% | +0.8% | +1.1% |
| ROICReturn on invested capital | +4.4% | +3.9% | +34.0% | +4.4% |
| ROCEReturn on capital employed | +5.7% | +6.1% | +4.9% | +5.8% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 4 | 5 | 5 |
| Debt / EquityFinancial leverage | 4.28x | 22.56x | 0.01x | 6.01x |
| Net DebtTotal debt minus cash | $37.7B | $21.9B | -$441M | $10.8B |
| Cash & Equiv.Liquid assets | $1.8B | $256M | $505M | $213M |
| Total DebtShort + long-term debt | $39.6B | $22.2B | $64M | $11.0B |
| Interest CoverageEBIT ÷ Interest expense | 2.83x | 0.96x | 1.32x | 1.34x |
AGNC leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
RITM leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RITM five years ago would be worth $13,919 today (with dividends reinvested), compared to $8,326 for RWT. Over the past 12 months, AGNC leads with a +39.4% total return vs RITM's -4.3%. The 3-year compound annual growth rate (CAGR) favors RITM at 17.2% vs RWT's 9.6% — a key indicator of consistent wealth creation.
| Metric | RITMRithm Capital Cor… | RWTRedwood Trust, In… | AGNCAGNC Investment C… | MFAMFA Financial, In… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | -8.6% | +1.9% | +2.5% | +6.1% |
| 1-Year ReturnPast 12 months | -4.3% | +7.9% | +39.4% | +19.2% |
| 3-Year ReturnCumulative with dividends | +60.9% | +31.6% | +58.3% | +34.1% |
| 5-Year ReturnCumulative with dividends | +39.2% | -16.7% | -2.2% | -0.6% |
| 10-Year ReturnCumulative with dividends | +72.5% | +11.5% | +46.9% | +7.8% |
| CAGR (3Y)Annualised 3-year return | +17.2% | +9.6% | +16.5% | +10.3% |
RITM leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — AGNC and MFA each lead in 1 of 2 comparable metrics.
Risk & Volatility
AGNC is the less volatile stock with a 0.74 beta — it tends to amplify market swings less than RITM's 0.86 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 RITM's 76.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | RITMRithm Capital Cor… | RWTRedwood Trust, In… | AGNCAGNC Investment C… | MFAMFA Financial, In… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.86x | 0.82x | 0.74x | 0.77x |
| 52-Week HighHighest price in past year | $12.74 | $6.97 | $12.19 | $10.57 |
| 52-Week LowLowest price in past year | $8.43 | $5.00 | $8.65 | $8.78 |
| % of 52W HighCurrent price vs 52-week peak | +76.8% | +80.1% | +87.9% | +92.2% |
| RSI (14)Momentum oscillator 0–100 | 49.7 | 42.2 | 52.1 | 43.8 |
| Avg Volume (50D)Average daily shares traded | 10.6M | 1.4M | 18.2M | 1.4M |
Evenly matched — AGNC and MFA each lead in 1 of 2 comparable metrics.
Analyst Outlook
MFA leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: RITM as "Buy", RWT as "Hold", AGNC as "Hold", MFA as "Hold". Consensus price targets imply 39.2% upside for RITM (target: $14) vs 3.8% for AGNC (target: $11). For income investors, MFA offers the higher dividend yield at 18.36% vs RITM's 11.63%.
| Metric | RITMRithm Capital Cor… | RWTRedwood Trust, In… | AGNCAGNC Investment C… | MFAMFA Financial, In… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold | Hold | Hold |
| Price TargetConsensus 12-month target | $13.63 | $6.50 | $11.13 | $10.25 |
| # AnalystsCovering analysts | 18 | 23 | 35 | 22 |
| Dividend YieldAnnual dividend ÷ price | +11.6% | +13.6% | +14.7% | +18.4% |
| Dividend StreakConsecutive years of raises | 0 | 1 | 0 | 1 |
| Dividend / ShareAnnual DPS | $1.14 | $0.76 | $1.58 | $1.79 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.9% | +7.4% | 0.0% | +1.5% |
MFA leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
AGNC leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). RITM leads in 1 (Total Returns). 2 tied.
Best OverallAGNC Investment Corp. (AGNC)Leads 2 of 6 categories
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RITM vs RWT vs AGNC vs MFA: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is RITM or RWT or AGNC 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 20. 0% for Rithm Capital Corp. (RITM). MFA Financial, Inc. (MFA) offers the better valuation at 5. 8x trailing P/E (7. 1x forward), making it the more compelling value choice. Analysts rate Rithm Capital Corp. (RITM) a "Buy" — based on 18 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 — RITM or RWT or AGNC or MFA?
On trailing P/E, MFA Financial, Inc.
(MFA) is the cheapest at 5. 8x versus AGNC Investment Corp. at 11. 5x. On forward P/E, Rithm Capital Corp. is actually cheaper at 4. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — RITM or RWT or AGNC or MFA?
Over the past 5 years, Rithm Capital Corp.
(RITM) delivered a total return of +39. 2%, compared to -16. 7% for Redwood Trust, Inc. (RWT). Over 10 years, the gap is even starker: RITM returned +72. 5% versus MFA's +7. 8%. 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 — RITM or RWT or AGNC or MFA?
By beta (market sensitivity over 5 years), AGNC Investment Corp.
(AGNC) is the lower-risk stock at 0. 74β versus Rithm Capital Corp. 's 0. 86β — meaning RITM is approximately 16% more volatile than AGNC relative to the S&P 500. On balance sheet safety, AGNC Investment Corp. (AGNC) carries a lower debt/equity ratio of 1% versus 23% for Redwood Trust, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — RITM or RWT or AGNC or MFA?
By revenue growth (latest reported year), AGNC Investment Corp.
(AGNC) is pulling ahead at 384. 7% versus 20. 0% for Rithm Capital Corp. (RITM). On earnings-per-share growth, the picture is similar: AGNC Investment Corp. grew EPS 1760% year-over-year, compared to -296. 9% for Redwood Trust, Inc.. Over a 3-year CAGR, RITM leads at 50. 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 — RITM or RWT or AGNC or MFA?
MFA Financial, Inc.
(MFA) is the more profitable company, earning 20. 2% net margin versus -6. 3% for Redwood Trust, Inc. — meaning it keeps 20. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RWT leads at 95. 3% versus 44. 6% for RITM. 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 RITM or RWT or AGNC or MFA more undervalued right now?
On forward earnings alone, Rithm Capital Corp.
(RITM) trades at 4. 3x forward P/E versus 7. 2x for Redwood Trust, Inc. — 2. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for RITM: 39. 2% to $13. 63.
08Which pays a better dividend — RITM or RWT or AGNC or MFA?
All stocks in this comparison pay dividends.
MFA Financial, Inc. (MFA) offers the highest yield at 18. 4%, versus 11. 6% for Rithm Capital Corp. (RITM).
09Is RITM or RWT or AGNC or MFA better for a retirement portfolio?
For long-horizon retirement investors, AGNC Investment Corp.
(AGNC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 74), 14. 7% yield). Both have compounded well over 10 years (AGNC: +46. 9%, RWT: +11. 5%), 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 RITM and RWT and AGNC 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.
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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