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Federal Agricultural Mortgage Corp (AGM) stock analysis

AGMNYSEFederal & Federally-Sponsored Credit AgenciesFiscal year ends December 31Also trades as AGM.A, AGM.PD, AGM.PE, AGM.PF, AGM.PG, AGM.PH, AGM.PI
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 5/30
$175.24+1.14 (+0.65%)

Close on Nov 12, 2026Market cap $1.91BP/E 9.3Yield 0.86%

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth1Performance3Health1Dividend0

Weak5 of 30 checks passed

Federal Agricultural Mortgage passes 5 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
1/6
Past performance
3/6
Financial health
1/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 12.6% a year on average over the last five fiscal years.

  • Growing faster than the industry

    Revenue grew 16.1% over the last twelve months; the Non-depository Credit Institutions median is 12.2%.

  • Return on equity above the industry

    Federal Agricultural Mortgage's return on equity of 13.5% is above the Non-depository Credit Institutions median of -9.9%.

  • Net margin above the industry

    Federal Agricultural Mortgage's net margin of 51.0% is above the Non-depository Credit Institutions median of -6.7%.

What to watch

  • Return on equity under 15%

    Return on equity was 13.5% over the last twelve months and averaged 13.8% over five years; we look for 15% on both.

  • High debt

    Debt is 1936% of shareholders' equity, above the 40% we consider low.

  • Revenue growing under 10% a year

    Revenue grew 9.7% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew 6.2% a year over the last three fiscal years.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 9.7% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew 6.2% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 10.3% over the last twelve months, against a 5-year average of 12.6% a year.

  • Growing faster than the industry

    Revenue grew 16.1% over the last twelve months; the Non-depository Credit Institutions median is 12.2%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    This company does not report gross profit.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 13.5% over the last twelve months and averaged 13.8% over five years; we look for 15% on both.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity above the industry

    Federal Agricultural Mortgage's return on equity of 13.5% is above the Non-depository Credit Institutions median of -9.9%.

  • Earnings grew over 5 years

    Net income grew 12.6% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 51.0% over the last twelve months, against a 5-year average of 55.2%.

  • Net margin above the industry

    Federal Agricultural Mortgage's net margin of 51.0% is above the Non-depository Credit Institutions median of -6.7%.

Financial health1/6

  • High debt

    Debt is 1936% of shareholders' equity, above the 40% we consider low.

  • Debt falling against equity

    Debt to equity fell from 2184% five years ago to 1936%.

  • Debt not well covered by cash flow

    Operating cash flow over the last twelve months equals 1.7% of total debt; we look for at least 20%.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Bankruptcy risk (Altman Z)

    Needs market value, working capital and retained earnings.

Dividend0/6

  • No dividend

    Federal Agricultural Mortgage has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Federal Agricultural Mortgage. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$24.22M
Value traded per 1% price move
$19.56M

Downside

Medium risk

Typical loss in a bad month
15.5%
Volatility (annualized)
31%
Sharpe ratio, 1 year
0.08
Beta to the S&P 500 (5Y)
0.82

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

50.8%−2.7 pts over 5 years

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