Annaly Capital Management - AI Stock Analysis

Analysis generated December 30, 2025

Annaly Capital Management, Inc. (NYSE: NLY) is a leading diversified capital manager that invests in and finances residential and commercial assets. The company primarily engages in mortgage-backed securities (MBS) and related investments. Since its inception, Annaly has provided consistent returns to its shareholders through a combination of dividends and capital appreciation. The unique business model of Annaly Capital Management leverages its strong operational capabilities to drive value through diversification, risk management, and strategic asset allocation. The firm has navigated various economic cycles with a robust investment portfolio.

Fundamental Analysis

Revenue: For the last quarter, Annaly reported revenue of $2.16 billion. This represents a quarterly increase of 20.59%, which indicates a robust growth trajectory. When compared to the same quarter last year, there is a remarkable increase of 1,520.61%, underscoring significant year-over-year growth.

Net Income: The net income for the last quarter stood at $832 million, reflecting an increase of 1,357.90% compared to the quarter before, and an increase of 1,152.83% year over year. This substantial rise highlights effective cost management and operational efficiency.

EBITDA: The Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) for the last quarter was reported at $2.07 billion, indicating a quarterly rise of 70.59% and a year-over-year increase of 59.61%. This reinforces the strong operating performance of the company.

P/E Ratio: With a current P/E ratio of 10.24, Annaly’s stock appears potentially undervalued compared to the industry average. This low P/E ratio might suggest that the stock is positioned for a bullish outlook in the market.

Technical Analysis

Stock Price: Today’s stock price stands at $23.10, reflecting an increase of 1.32% from a month ago, indicating a positive short-term trend. Compared to a year ago, the stock price has surged by 40.17%, signaling a solid long-term bullish trend.

SMA10: The current Simple Moving Average (SMA10) is 23.09, slightly higher than the previous SMA10 of 23.05, suggesting an upward price movement. This development could point to an ongoing uptrend.

RSI: The Relative Strength Index (RSI) is 52.7, signifying a neutral condition. This neutral RSI indicates that the stock is neither overbought nor oversold.

Alternative Data Analysis

Job Postings and Employee Sentiment: Annaly Capital Management currently has 0 open job positions, down by 100% in the last couple of months. This trend might indicate efforts to improve margins or cost-cutting measures and may not bode well for a growth company. Additionally, employee sentiment towards the business outlook is neutral, reflecting a stable internal environment.

Customer Acquisition: The company’s website has approximately 8,000 visitors, a 27% decrease in the last couple of months. This worrisome decline might indicate a loss in customer interest or potential engagement issues.

Customer Engagement: According to the AltIndex’s AI score, which assesses a company’s stock price based on fundamental, technical, and alternative data analyses, Annaly Capital Management has an AI score of 46 indicating a hold signal.

Conclusion

Annaly Capital Management showcases a strong fundamental profile with significant revenue, net income, and EBITDA growth. The low P/E ratio suggests potential undervaluation, making the stock attractive from a valuation standpoint. Technically, the stock displays a positive short-term and long-term trend, supported by an upward-moving SMA10 and a neutral RSI.

However, alternative data signals such as reduced job postings and a decline in web traffic pose potential concerns. The AltIndex AI score of 46 suggests a hold signal, indicating a cautious approach.

Based on the current data, a balanced recommendation would be to consider holding the stock, monitoring for sustained fundamental strength and improvements in alternative data indicators.

Disclaimer: This AI stock analysis, generated by an experimental AI tool, is for informational purposes only and not financial advice. Information is based on publicly available data and may not always be accurate or current.