NLY (Annaly Capital Management) Altman Z2-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NLY Annaly Capital Management Inc NLY
47 GF Score
Price $21.25
GF Value $17.70
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Annaly Capital Management Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

NLY
47GF Score
Annaly Capital Management Inc NLY
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Annaly Capital Management (NLY) Overvalued in 2026?

Based on GuruFocus' analysis, Annaly Capital Management stock appears to be overvalued. The current stock price of $21.25 is trading 20.1% above its estimated GF Value™ of $17.70. GuruFocus considers Annaly Capital Management to be Modestly Overvalued.

Key valuation signals for NLY:

  • Altman Z2-Score:
  • GF Value™: $17.70 vs. price of $21.25 (20.1% above fair value)
  • GF Score™: 47/100 with 8 warning signs

No single metric tells the full story. See the NLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Annaly Capital Management Business Description

Industry Real EstateREITs
Address 1211 Avenue of the Americas, New York, NY, USA, 10036
Annaly Capital Management Inc is an American mortgage real estate investment trust. Its business objective is to generate net income for distribution to its stockholders and optimize its returns through prudent management of its diversified investment strategies. The company's reportable operating segments are: the Agency segment, which invests in Agency mortgage-backed securities collateralized by residential mortgages; the Residential Credit segment, which invests in non-Agency residential whole loans and securitized products within the residential and commercial markets; the Mortgage Servicing Rights segment; and Corporate & Other. Maximum revenue for the company is generated from its Agency segment.
47GF Score

Get the complete analysis for NLY

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.25
Price
$17.70
GF Value