AGNC INVESTMENT CORP (AGNC) Stock Fundamental Analysis
NASDAQ:AGNC - Nasdaq - US00123Q1040 - REIT - Currency: USD
AGNC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 65 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. There are concerns on the financial health of AGNC while its profitability can be described as average. AGNC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
AGNC had positive earnings in the past year.
AGNC had a positive operating cash flow in the past year.
In multiple years AGNC reported negative net income over the last 5 years.
Of the past 5 years AGNC 4 years had a positive operating cash flow.
1.2 Ratios
AGNC has a Return On Assets (0.35%) which is in line with its industry peers.
AGNC has a Return On Equity of 3.33%. This is comparable to the rest of the industry: AGNC outperforms 52.31% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.40%, AGNC is in line with its industry, outperforming 55.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 3.33% | ||
| ROIC | 0.4% |
ROA(3y)-0.54%
ROA(5y)-0.22%
ROE(3y)-2.86%
ROE(5y)-1.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 9.46%, AGNC is in the better half of the industry, outperforming 64.62% of the companies in the same industry.
In the last couple of years the Profit Margin of AGNC has declined.
AGNC has a Operating Margin of 13.31%. This is in the better half of the industry: AGNC outperforms 67.69% of its industry peers.
AGNC's Operating Margin has been stable in the last couple of years.
The Gross Margin of AGNC (16.54%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of AGNC has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.31% | ||
| PM (TTM) | 9.46% | ||
| GM | 16.54% |
OM growth 3Y-35.43%
OM growth 5Y-1.27%
PM growth 3Y-35.92%
PM growth 5Y-2.73%
GM growth 3Y-35.24%
GM growth 5Y-1.15%
2. Health
2.1 Basic Checks
Compared to 1 year ago, AGNC has more shares outstanding
The number of shares outstanding for AGNC has been increased compared to 5 years ago.
The debt/assets ratio for AGNC is higher compared to a year ago.
2.2 Solvency
AGNC has an Altman-Z score of -1.07. This is a bad value and indicates that AGNC is not financially healthy and even has some risk of bankruptcy.
AGNC has a Altman-Z score of -1.07. This is amonst the worse of the industry: AGNC underperforms 95.38% of its industry peers.
The Debt to FCF ratio of AGNC is 323.18, which is on the high side as it means it would take AGNC, 323.18 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 323.18, AGNC is doing worse than 64.62% of the companies in the same industry.
A Debt/Equity ratio of 8.30 is on the high side and indicates that AGNC has dependencies on debt financing.
AGNC has a worse Debt to Equity ratio (8.30) than 76.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.3 | ||
| Debt/FCF | 323.18 | ||
| Altman-Z | -1.07 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.02 indicates that AGNC may have some problems paying its short term obligations.
With a Current ratio value of 0.02, AGNC is not doing good in the industry: 87.69% of the companies in the same industry are doing better.
A Quick Ratio of 0.02 indicates that AGNC may have some problems paying its short term obligations.
With a Quick ratio value of 0.02, AGNC is not doing good in the industry: 87.69% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
3.1 Past
The earnings per share for AGNC have decreased strongly by -29.20% in the last year.
The Earnings Per Share has been decreasing by -2.52% on average over the past years.
Looking at the last year, AGNC shows a small growth in Revenue. The Revenue has grown by 5.15% in the last year.
Measured over the past years, AGNC shows a small growth in Revenue. The Revenue has been growing by 5.98% on average per year.
EPS 1Y (TTM)-29.2%
EPS 3Y-14.16%
EPS 5Y-2.52%
EPS Q2Q%-24.14%
Revenue 1Y (TTM)5.15%
Revenue growth 3Y62.37%
Revenue growth 5Y5.98%
Sales Q2Q%630%
3.2 Future
AGNC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.57% yearly.
Based on estimates for the next years, AGNC will show a very strong growth in Revenue. The Revenue will grow by 201.74% on average per year.
EPS Next Y-11.35%
EPS Next 2Y-6.96%
EPS Next 3Y-5.57%
EPS Next 5YN/A
Revenue Next Year1983.49%
Revenue Next 2Y404.58%
Revenue Next 3Y201.74%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
AGNC is valuated cheaply with a Price/Earnings ratio of 5.30.
93.85% of the companies in the same industry are more expensive than AGNC, based on the Price/Earnings ratio.
AGNC is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
AGNC is valuated cheaply with a Price/Forward Earnings ratio of 5.67.
92.31% of the companies in the same industry are more expensive than AGNC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.70, AGNC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.3 | ||
| Fwd PE | 5.67 |
4.2 Price Multiples
AGNC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 37.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AGNC's earnings are expected to decrease with -5.57% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.96%
EPS Next 3Y-5.57%
5. Dividend
5.1 Amount
AGNC has a Yearly Dividend Yield of 15.45%, which is a nice return.
AGNC's Dividend Yield is rather good when compared to the industry average which is at 11.56. AGNC pays more dividend than 84.62% of the companies in the same industry.
AGNC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.45% |
5.2 History
The dividend of AGNC decreases each year by -5.92%.
AGNC has been paying a dividend for at least 10 years, so it has a reliable track record.
AGNC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-5.92%
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
395.81% of the earnings are spent on dividend by AGNC. This is not a sustainable payout ratio.
The Dividend Rate of AGNC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP395.81%
EPS Next 2Y-6.96%
EPS Next 3Y-5.57%
NASDAQ:AGNC (7/2/2025, 11:13:07 AM)
9.375
+0.04 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners41.88%
Inst Owner Change14.6%
Ins Owners0.38%
Ins Owner Change8.78%
Market Cap9.57B
Analysts78.1
Price Target9.73 (3.79%)
Short Float %4.52%
Short Ratio1.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.45% |
Yearly Dividend1.56
Dividend Growth(5Y)-5.92%
DP395.81%
Div Incr Years1
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.53%
Min EPS beat(2)-14.53%
Max EPS beat(2)7.47%
EPS beat(4)1
Avg EPS beat(4)-6.68%
Min EPS beat(4)-15.95%
Max EPS beat(4)7.47%
EPS beat(8)3
Avg EPS beat(8)-2.58%
EPS beat(12)7
Avg EPS beat(12)4.43%
EPS beat(16)11
Avg EPS beat(16)6.38%
Revenue beat(2)0
Avg Revenue beat(2)-49.72%
Min Revenue beat(2)-52.02%
Max Revenue beat(2)-47.42%
Revenue beat(4)0
Avg Revenue beat(4)-84.58%
Min Revenue beat(4)-133.13%
Max Revenue beat(4)-47.42%
Revenue beat(8)0
Avg Revenue beat(8)-97.85%
Revenue beat(12)1
Avg Revenue beat(12)-90.88%
Revenue beat(16)1
Avg Revenue beat(16)-106.22%
PT rev (1m)0%
PT rev (3m)-7.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.79%
EPS NY rev (1m)0%
EPS NY rev (3m)4.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)14.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.3 | ||
| Fwd PE | 5.67 | ||
| P/S | 2.71 | ||
| P/FCF | 37.08 | ||
| P/OCF | 37.08 | ||
| P/B | 0.95 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.77
EY18.88%
EPS(NY)1.65
Fwd EY17.63%
FCF(TTM)0.25
FCFY2.7%
OCF(TTM)0.25
OCFY2.7%
SpS3.46
BVpS9.84
TBVpS9.33
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 3.33% | ||
| ROCE | 4.62% | ||
| ROIC | 0.4% | ||
| ROICexc | 0.4% | ||
| ROICexgc | 0.4% | ||
| OM | 13.31% | ||
| PM (TTM) | 9.46% | ||
| GM | 16.54% | ||
| FCFM | 7.31% |
ROA(3y)-0.54%
ROA(5y)-0.22%
ROE(3y)-2.86%
ROE(5y)-1.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y-4.26%
ROICexcg growth 5Y9.59%
ROICexc growth 3Y-4.07%
ROICexc growth 5Y9.52%
OM growth 3Y-35.43%
OM growth 5Y-1.27%
PM growth 3Y-35.92%
PM growth 5Y-2.73%
GM growth 3Y-35.24%
GM growth 5Y-1.15%
F-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.3 | ||
| Debt/FCF | 323.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 77.25% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | -1.07 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-29.2%
EPS 3Y-14.16%
EPS 5Y-2.52%
EPS Q2Q%-24.14%
EPS Next Y-11.35%
EPS Next 2Y-6.96%
EPS Next 3Y-5.57%
EPS Next 5YN/A
Revenue 1Y (TTM)5.15%
Revenue growth 3Y62.37%
Revenue growth 5Y5.98%
Sales Q2Q%630%
Revenue Next Year1983.49%
Revenue Next 2Y404.58%
Revenue Next 3Y201.74%
Revenue Next 5YN/A
EBIT growth 1Y-37.25%
EBIT growth 3Y4.84%
EBIT growth 5Y4.64%
EBIT Next Year33.61%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-61.38%
FCF growth 3Y-61.78%
FCF growth 5Y-40.77%
OCF growth 1Y-61.38%
OCF growth 3Y-61.78%
OCF growth 5Y-40.77%