REIT - Mortgage
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RPT vs RITM
Revenue, margins, valuation, and 5-year total return — side by side.
REIT - Mortgage
RPT vs RITM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $112M | $5.49B |
| Revenue (TTM) | $40M | $5.55B |
| Net Income (TTM) | $1M | $681M |
| Gross Margin | 65.0% | 92.2% |
| Operating Margin | 24.3% | 45.6% |
| Forward P/E | 96.3x | 4.3x |
| Total Debt | $742M | $39.58B |
| Cash & Equiv. | $79M | $1.85B |
RPT vs RITM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Rithm Property Trus… (RPT) | 100 | 180.0 | +80.0% |
| Rithm Capital Corp. (RITM) | 100 | 137.2 | +37.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RPT vs RITM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
RPT is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 0.66, yield 9.9%
- 426.4% 10Y total return vs RITM's 79.1%
- Lower volatility, beta 0.66, current ratio 1.20x
RITM carries the broadest edge in this set and is the clearest fit for growth exposure and defensive.
- Rev growth 20.0%, EPS growth -37.7%, 3Y rev CAGR 50.5%
- Beta 0.86, yield 11.6%, current ratio 1.79x
- 20.0% FFO/revenue growth vs RPT's 11.8%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 20.0% FFO/revenue growth vs RPT's 11.8% | |
| Value | Lower P/E (4.3x vs 96.3x) | |
| Quality / Margins | 12.3% margin vs RPT's 3.7% | |
| Stability / Safety | Beta 0.66 vs RITM's 0.86, lower leverage | |
| Dividends | 11.6% yield, vs RPT's 9.9% | |
| Momentum (1Y) | +478.6% vs RITM's -3.0% | |
| Efficiency (ROA) | 1.4% ROA vs RPT's 0.1%, ROIC 4.4% vs 3.1% |
RPT vs RITM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
RPT vs RITM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
RITM leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RITM is the larger business by revenue, generating $5.6B annually — 138.9x RPT's $40M. RITM is the more profitable business, keeping 12.3% of every revenue dollar as net income compared to RPT's 3.7%. On growth, RITM holds the edge at +52.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $40M | $5.6B |
| EBITDAEarnings before interest/tax | $19M | $2.6B |
| Net IncomeAfter-tax profit | $1M | $681M |
| Free Cash FlowCash after capex | -$6M | $0 |
| Gross MarginGross profit ÷ Revenue | +65.0% | +92.2% |
| Operating MarginEBIT ÷ Revenue | +24.3% | +45.6% |
| Net MarginNet income ÷ Revenue | +3.7% | +12.3% |
| FCF MarginFCF ÷ Revenue | -15.1% | -13.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | -5.5% | +52.6% |
| EPS Growth (YoY)Latest quarter vs prior year | -27.8% | -82.0% |
Valuation Metrics
RITM leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, RITM's 16.4x EV/EBITDA is more attractive than RPT's 19.9x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $112M | $5.5B |
| Enterprise ValueMkt cap + debt − cash | $774M | $43.2B |
| Trailing P/EPrice ÷ TTM EPS | -41.00x | 9.46x |
| Forward P/EPrice ÷ next-FY EPS est. | 96.28x | 4.33x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 19.89x | 16.37x |
| Price / SalesMarket cap ÷ Revenue | 2.12x | 0.97x |
| Price / BookPrice ÷ Book value/share | 0.38x | 0.60x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
RPT 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 $1 for RPT. RPT carries lower financial leverage with a 2.55x debt-to-equity ratio, signaling a more conservative balance sheet compared to RITM's 4.28x. On the Piotroski fundamental quality scale (0–9), RPT scores 5/9 vs RITM's 3/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +0.5% | +7.9% |
| ROA (TTM)Return on assets | +0.1% | +1.4% |
| ROICReturn on invested capital | +3.1% | +4.4% |
| ROCEReturn on capital employed | +6.3% | +5.7% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 3 |
| Debt / EquityFinancial leverage | 2.55x | 4.28x |
| Net DebtTotal debt minus cash | $663M | $37.7B |
| Cash & Equiv.Liquid assets | $79M | $1.8B |
| Total DebtShort + long-term debt | $742M | $39.6B |
| Interest CoverageEBIT ÷ Interest expense | 1.04x | 2.83x |
Total Returns (Dividends Reinvested)
RPT leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RPT five years ago would be worth $28,540 today (with dividends reinvested), compared to $14,221 for RITM. Over the past 12 months, RPT leads with a +478.6% total return vs RITM's -3.0%. The 3-year compound annual growth rate (CAGR) favors RPT at 60.3% vs RITM's 17.3% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -7.9% | -8.1% |
| 1-Year ReturnPast 12 months | +478.6% | -3.0% |
| 3-Year ReturnCumulative with dividends | +311.6% | +61.5% |
| 5-Year ReturnCumulative with dividends | +185.4% | +42.2% |
| 10-Year ReturnCumulative with dividends | +426.4% | +79.1% |
| CAGR (3Y)Annualised 3-year return | +60.3% | +17.3% |
Risk & Volatility
RPT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RPT is the less volatile stock with a 0.66 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. RPT currently trades 84.5% from its 52-week high vs RITM's 77.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.66x | 0.86x |
| 52-Week HighHighest price in past year | $17.46 | $12.74 |
| 52-Week LowLowest price in past year | $2.37 | $8.43 |
| % of 52W HighCurrent price vs 52-week peak | +84.5% | +77.2% |
| RSI (14)Momentum oscillator 0–100 | 66.6 | 44.6 |
| Avg Volume (50D)Average daily shares traded | 27K | 10.6M |
Analyst Outlook
RITM leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates RPT as "Hold" and RITM as "Buy". Consensus price targets imply 62.6% upside for RPT (target: $24) vs 38.5% for RITM (target: $14). For income investors, RITM offers the higher dividend yield at 11.58% vs RPT's 9.87%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $24.00 | $13.63 |
| # AnalystsCovering analysts | 25 | 18 |
| Dividend YieldAnnual dividend ÷ price | +9.9% | +11.6% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $1.46 | $1.14 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.9% |
RITM leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). RPT leads in 3 (Profitability & Efficiency, Total Returns).
RPT vs RITM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is RPT or RITM a better buy right now?
For growth investors, Rithm Capital Corp.
(RITM) is the stronger pick with 20. 0% revenue growth year-over-year, versus 11. 8% for Rithm Property Trust Inc. (RPT). Rithm Capital Corp. (RITM) offers the better valuation at 9. 5x trailing P/E (4. 3x 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 — RPT or RITM?
On forward P/E, Rithm Capital Corp.
is actually cheaper at 4. 3x.
03Which is the better long-term investment — RPT or RITM?
Over the past 5 years, Rithm Property Trust Inc.
(RPT) delivered a total return of +185. 4%, compared to +42. 2% for Rithm Capital Corp. (RITM). Over 10 years, the gap is even starker: RPT returned +426. 4% versus RITM's +79. 1%. 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 — RPT or RITM?
By beta (market sensitivity over 5 years), Rithm Property Trust Inc.
(RPT) is the lower-risk stock at 0. 66β versus Rithm Capital Corp. 's 0. 86β — meaning RITM is approximately 30% more volatile than RPT relative to the S&P 500. On balance sheet safety, Rithm Property Trust Inc. (RPT) carries a lower debt/equity ratio of 3% versus 4% for Rithm Capital Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — RPT or RITM?
By revenue growth (latest reported year), Rithm Capital Corp.
(RITM) is pulling ahead at 20. 0% versus 11. 8% for Rithm Property Trust Inc. (RPT). On earnings-per-share growth, the picture is similar: Rithm Property Trust Inc. grew EPS 97. 4% year-over-year, compared to -37. 7% for Rithm Capital Corp.. 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 — RPT or RITM?
Rithm Capital Corp.
(RITM) is the more profitable company, earning 12. 0% net margin versus 2. 8% for Rithm Property Trust Inc. — meaning it keeps 12. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RPT leads at 73. 7% versus 44. 6% for RITM. At the gross margin level — before operating expenses — RITM leads at 90. 5%, 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 RPT or RITM more undervalued right now?
On forward earnings alone, Rithm Capital Corp.
(RITM) trades at 4. 3x forward P/E versus 96. 3x for Rithm Property Trust Inc. — 92. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for RPT: 62. 6% to $24. 00.
08Which pays a better dividend — RPT or RITM?
All stocks in this comparison pay dividends.
Rithm Capital Corp. (RITM) offers the highest yield at 11. 6%, versus 9. 9% for Rithm Property Trust Inc. (RPT).
09Is RPT or RITM better for a retirement portfolio?
For long-horizon retirement investors, Rithm Property Trust Inc.
(RPT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 66), 9. 9% yield, +426. 4% 10Y return). Both have compounded well over 10 years (RPT: +426. 4%, RITM: +79. 1%), 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 RPT and RITM?
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: RPT is a small-cap income-oriented stock; RITM 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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