FEDERAL AGRIC MTG CORP-CL C (AGM) Stock Fundamental Analysis
NYSE:AGM - New York Stock Exchange, Inc. - US3131483063 - Common Stock - Currency: USD
Taking everything into account, AGM scores 4 out of 10 in our fundamental rating. AGM was compared to 99 industry peers in the Financial Services industry. Both the profitability and financial health of AGM have multiple concerns. AGM has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
AGM had positive earnings in the past year.
In the past year AGM had a positive cash flow from operations.
In the past 5 years AGM has always been profitable.
AGM had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.56%, AGM is doing worse than 64.65% of the companies in the same industry.
The Return On Equity of AGM (11.63%) is comparable to the rest of the industry.
With a Return On Invested Capital value of 0.95%, AGM is not doing good in the industry: 61.62% of the companies in the same industry are doing better.
AGM had an Average Return On Invested Capital over the past 3 years of 0.93%. This is significantly below the industry average of 11.83%.
The 3 year average ROIC (0.93%) for AGM is below the current ROIC(0.95%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 11.63% | ||
| ROIC | 0.95% |
ROA(3y)0.57%
ROA(5y)0.51%
ROE(3y)12.08%
ROE(5y)10.99%
ROIC(3y)0.93%
ROIC(5y)0.88%
1.3 Margins
With a Profit Margin value of 11.18%, AGM perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
In the last couple of years the Profit Margin of AGM has declined.
AGM has a Operating Margin (16.00%) which is in line with its industry peers.
AGM's Operating Margin has declined in the last couple of years.
AGM has a Gross Margin (23.53%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of AGM has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16% | ||
| PM (TTM) | 11.18% | ||
| GM | 23.53% |
OM growth 3Y-26.37%
OM growth 5Y-5.13%
PM growth 3Y-24.1%
PM growth 5Y-4.96%
GM growth 3Y-25.57%
GM growth 5Y-4.51%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AGM is destroying value.
The number of shares outstanding for AGM has been increased compared to 1 year ago.
AGM has less shares outstanding than it did 5 years ago.
AGM has a better debt/assets ratio than last year.
2.2 Solvency
AGM has an Altman-Z score of -0.18. This is a bad value and indicates that AGM is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -0.18, AGM is not doing good in the industry: 69.70% of the companies in the same industry are doing better.
AGM has a debt to FCF ratio of 91.67. This is a negative value and a sign of low solvency as AGM would need 91.67 years to pay back of all of its debts.
With a Debt to FCF ratio value of 91.67, AGM perfoms like the industry average, outperforming 42.42% of the companies in the same industry.
A Debt/Equity ratio of 12.95 is on the high side and indicates that AGM has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 12.95, AGM is doing worse than 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.95 | ||
| Debt/FCF | 91.67 | ||
| Altman-Z | -0.18 |
ROIC/WACC0.29
WACC3.21%
2.3 Liquidity
A Current Ratio of 0.14 indicates that AGM may have some problems paying its short term obligations.
AGM's Current ratio of 0.14 is on the low side compared to the rest of the industry. AGM is outperformed by 73.74% of its industry peers.
A Quick Ratio of 0.14 indicates that AGM may have some problems paying its short term obligations.
The Quick ratio of AGM (0.14) is worse than 73.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
AGM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.00%.
The Earnings Per Share has been growing by 12.47% on average over the past years. This is quite good.
Looking at the last year, AGM shows a small growth in Revenue. The Revenue has grown by 7.75% in the last year.
AGM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.96% yearly.
EPS 1Y (TTM)-1%
EPS 3Y14.36%
EPS 5Y12.47%
EPS Q2Q%5.81%
Revenue 1Y (TTM)7.75%
Revenue growth 3Y54.74%
Revenue growth 5Y19.96%
Sales Q2Q%3.96%
3.2 Future
AGM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.47% yearly.
Based on estimates for the next years, AGM will show a quite strong growth in Revenue. The Revenue will grow by 8.12% on average per year.
EPS Next Y12.33%
EPS Next 2Y11.5%
EPS Next 3Y10.47%
EPS Next 5YN/A
Revenue Next Year7.99%
Revenue Next 2Y8.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.73, which indicates a very decent valuation of AGM.
60.61% of the companies in the same industry are more expensive than AGM, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of AGM to the average of the S&P500 Index (26.29), we can say AGM is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.58, the valuation of AGM can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as AGM.
When comparing the Price/Forward Earnings ratio of AGM to the average of the S&P500 Index (22.17), we can say AGM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.73 | ||
| Fwd PE | 9.58 |
4.2 Price Multiples
89.90% of the companies in the same industry are more expensive than AGM, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.25 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.95
PEG (5Y)0.94
EPS Next 2Y11.5%
EPS Next 3Y10.47%
5. Dividend
5.1 Amount
AGM has a Yearly Dividend Yield of 3.18%.
Compared to an average industry Dividend Yield of 4.90, AGM pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, AGM pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.18% |
5.2 History
The dividend of AGM is nicely growing with an annual growth rate of 14.69%!
AGM has paid a dividend for at least 10 years, which is a reliable track record.
AGM has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)14.69%
Div Incr Years13
Div Non Decr Years15
5.3 Sustainability
AGM pays out 48.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
AGM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP48.51%
EPS Next 2Y11.5%
EPS Next 3Y10.47%
NYSE:AGM (6/2/2025, 8:04:00 PM)
186.43
+0.01 (+0.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners82.04%
Inst Owner Change-2.28%
Ins Owners1.45%
Ins Owner Change-0.47%
Market Cap2.04B
Analysts76.67
Price Target231.54 (24.2%)
Short Float %2.01%
Short Ratio4.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.18% |
Yearly Dividend7.92
Dividend Growth(5Y)14.69%
DP48.51%
Div Incr Years13
Div Non Decr Years15
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.82%
Min EPS beat(2)-5.81%
Max EPS beat(2)2.18%
EPS beat(4)1
Avg EPS beat(4)-4.21%
Min EPS beat(4)-11.91%
Max EPS beat(4)2.18%
EPS beat(8)4
Avg EPS beat(8)0.06%
EPS beat(12)7
Avg EPS beat(12)2.85%
EPS beat(16)9
Avg EPS beat(16)2%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)4%
Revenue beat(4)1
Avg Revenue beat(4)-1.15%
Min Revenue beat(4)-3.04%
Max Revenue beat(4)4%
Revenue beat(8)3
Avg Revenue beat(8)0.44%
Revenue beat(12)7
Avg Revenue beat(12)49.96%
Revenue beat(16)11
Avg Revenue beat(16)56.79%
PT rev (1m)0%
PT rev (3m)4.13%
EPS NQ rev (1m)-0.46%
EPS NQ rev (3m)-0.23%
EPS NY rev (1m)0.54%
EPS NY rev (3m)-1.19%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)2.26%
Revenue NY rev (1m)0.83%
Revenue NY rev (3m)1.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.73 | ||
| Fwd PE | 9.58 | ||
| P/S | 1.28 | ||
| P/FCF | 6.25 | ||
| P/OCF | 6.18 | ||
| P/B | 1.34 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)15.89
EY8.52%
EPS(NY)19.47
Fwd EY10.44%
FCF(TTM)29.81
FCFY15.99%
OCF(TTM)30.15
OCFY16.17%
SpS145.24
BVpS139.58
TBVpS139.58
PEG (NY)0.95
PEG (5Y)0.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 11.63% | ||
| ROCE | 1.19% | ||
| ROIC | 0.95% | ||
| ROICexc | 0.99% | ||
| ROICexgc | 1% | ||
| OM | 16% | ||
| PM (TTM) | 11.18% | ||
| GM | 23.53% | ||
| FCFM | 20.53% |
ROA(3y)0.57%
ROA(5y)0.51%
ROE(3y)12.08%
ROE(5y)10.99%
ROIC(3y)0.93%
ROIC(5y)0.88%
ROICexc(3y)0.97%
ROICexc(5y)0.92%
ROICexgc(3y)0.97%
ROICexgc(5y)0.93%
ROCE(3y)1.16%
ROCE(5y)1.1%
ROICexcg growth 3Y9.17%
ROICexcg growth 5Y1.46%
ROICexc growth 3Y9.13%
ROICexc growth 5Y1.45%
OM growth 3Y-26.37%
OM growth 5Y-5.13%
PM growth 3Y-24.1%
PM growth 5Y-4.96%
GM growth 3Y-25.57%
GM growth 5Y-4.51%
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.95 | ||
| Debt/FCF | 91.67 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.23% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 183.63% | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | -0.18 |
F-Score7
WACC3.21%
ROIC/WACC0.29
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)363.34%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1%
EPS 3Y14.36%
EPS 5Y12.47%
EPS Q2Q%5.81%
EPS Next Y12.33%
EPS Next 2Y11.5%
EPS Next 3Y10.47%
EPS Next 5YN/A
Revenue 1Y (TTM)7.75%
Revenue growth 3Y54.74%
Revenue growth 5Y19.96%
Sales Q2Q%3.96%
Revenue Next Year7.99%
Revenue Next 2Y8.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1.03%
EBIT growth 3Y13.94%
EBIT growth 5Y13.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-45.74%
FCF growth 3Y11.65%
FCF growth 5YN/A
OCF growth 1Y-45.14%
OCF growth 3Y11.97%
OCF growth 5YN/A