AGNC INVESTMENT CORP (AGNC) Fundamental Analysis & Valuation
NASDAQ:AGNC • US00123Q1040
10.97 USD
-0.03 (-0.27%)
At close: Mar 4, 2026
10.92 USD
-0.05 (-0.46%)
Pre-Market: 3/5/2026, 9:28:00 AM
This AGNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, AGNC scores 4 out of 10 in our fundamental rating. AGNC was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While AGNC is still in line with the averages on profitability rating, there are concerns on its financial health. AGNC is not valued too expensively and it also shows a decent growth rate.
1. AGNC Profitability Analysis
1.1 Basic Checks
- In the past year AGNC was profitable.
- In the past year AGNC had a positive cash flow from operations.
- AGNC had positive earnings in 4 of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: AGNC reported negative operating cash flow in multiple years.
1.2 Ratios
- AGNC has a better Return On Assets (0.63%) than 66.18% of its industry peers.
- AGNC has a better Return On Equity (6.00%) than 79.41% of its industry peers.
- The Return On Invested Capital of AGNC (0.62%) is better than 63.24% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for AGNC is in line with the industry average of 1.22%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 6% | ||
| ROIC | 0.62% |
ROA(3y)0.73%
ROA(5y)0.13%
ROE(3y)6.68%
ROE(5y)1.98%
ROIC(3y)0.7%
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 18.05%, AGNC is in the better half of the industry, outperforming 79.41% of the companies in the same industry.
- In the last couple of years the Profit Margin of AGNC has declined.
- With an excellent Operating Margin value of 22.01%, AGNC belongs to the best of the industry, outperforming 83.82% of the companies in the same industry.
- In the last couple of years the Operating Margin of AGNC has declined.
- With a Gross Margin value of 25.11%, AGNC perfoms like the industry average, outperforming 42.65% of the companies in the same industry.
- AGNC's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.01% | ||
| PM (TTM) | 18.05% | ||
| GM | 25.11% |
OM growth 3Y-47.06%
OM growth 5YN/A
PM growth 3Y-50.24%
PM growth 5YN/A
GM growth 3Y-44.58%
GM growth 5YN/A
2. AGNC Health Analysis
2.1 Basic Checks
- The number of shares outstanding for AGNC has been increased compared to 1 year ago.
- Compared to 5 years ago, AGNC has more shares outstanding
- The debt/assets ratio for AGNC is higher compared to a year ago.
2.2 Solvency
- AGNC has an Altman-Z score of -1.03. This is a bad value and indicates that AGNC is not financially healthy and even has some risk of bankruptcy.
- AGNC's Altman-Z score of -1.03 is on the low side compared to the rest of the industry. AGNC is outperformed by 92.65% of its industry peers.
- The Debt to FCF ratio of AGNC is 157.31, which is on the high side as it means it would take AGNC, 157.31 years of fcf income to pay off all of its debts.
- AGNC has a Debt to FCF ratio of 157.31. This is comparable to the rest of the industry: AGNC outperforms 51.47% of its industry peers.
- A Debt/Equity ratio of 8.30 is on the high side and indicates that AGNC has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 8.30, AGNC is doing worse than 70.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.3 | ||
| Debt/FCF | 157.31 | ||
| Altman-Z | -1.03 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- AGNC has a Current Ratio of 0.02. This is a bad value and indicates that AGNC is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.02, AGNC is doing worse than 86.76% of the companies in the same industry.
- A Quick Ratio of 0.02 indicates that AGNC may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.02, AGNC is doing worse than 86.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. AGNC Growth Analysis
3.1 Past
- The earnings per share for AGNC have decreased strongly by -20.42% in the last year.
- Measured over the past years, AGNC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.92% on average per year.
- The Revenue has grown by 18.98% in the past year. This is quite good.
- AGNC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 56.11% yearly.
EPS 1Y (TTM)-20.42%
EPS 3Y-21.4%
EPS 5Y-10.92%
EPS Q2Q%-5.41%
Revenue 1Y (TTM)18.98%
Revenue growth 3YN/A
Revenue growth 5Y56.11%
Sales Q2Q%79.13%
3.2 Future
- The Earnings Per Share is expected to decrease by -0.91% on average over the next years.
- Based on estimates for the next years, AGNC will show a very strong growth in Revenue. The Revenue will grow by 27.10% on average per year.
EPS Next Y0.96%
EPS Next 2Y0.35%
EPS Next 3Y-0.91%
EPS Next 5YN/A
Revenue Next Year58.55%
Revenue Next 2Y27.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. AGNC Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 7.22, the valuation of AGNC can be described as very cheap.
- 86.76% 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 27.03, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 7.15, which indicates a rather cheap valuation of AGNC.
- AGNC's Price/Forward Earnings ratio is rather cheap when compared to the industry. AGNC is cheaper than 80.88% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.11, AGNC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 7.15 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, AGNC is valued a bit cheaper than 63.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)7.49
PEG (5Y)N/A
EPS Next 2Y0.35%
EPS Next 3Y-0.91%
5. AGNC Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 12.69%, AGNC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 11.29, AGNC pays a bit more dividend than its industry peers.
- AGNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.69% |
5.2 History
- The dividend of AGNC decreases each year by -2.31%.
- 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)-2.31%
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
- 221.40% 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.
DP221.4%
EPS Next 2Y0.35%
EPS Next 3Y-0.91%
AGNC Fundamentals: All Metrics, Ratios and Statistics
10.97
-0.03 (-0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)01-26 2026-01-26/amc
Earnings (Next)N/A N/A
Inst Owners39.98%
Inst Owner Change2.86%
Ins Owners0.34%
Ins Owner Change1.5%
Market Cap12.15B
Revenue(TTM)4.64B
Net Income(TTM)687.00M
Analysts73
Price Target11.99 (9.3%)
Short Float %6.26%
Short Ratio3.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.69% |
Yearly Dividend1.6
Dividend Growth(5Y)-2.31%
DP221.4%
Div Incr Years1
Div Non Decr Years3
Ex-Date02-27 2026-02-27 (0.12)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.27%
Min EPS beat(2)-11.21%
Max EPS beat(2)-9.32%
EPS beat(4)1
Avg EPS beat(4)-6.9%
Min EPS beat(4)-14.53%
Max EPS beat(4)7.47%
EPS beat(8)1
Avg EPS beat(8)-6.12%
EPS beat(12)5
Avg EPS beat(12)-2.1%
EPS beat(16)9
Avg EPS beat(16)3.33%
Revenue beat(2)0
Avg Revenue beat(2)-57.51%
Min Revenue beat(2)-58.55%
Max Revenue beat(2)-56.47%
Revenue beat(4)0
Avg Revenue beat(4)-53.62%
Min Revenue beat(4)-58.55%
Max Revenue beat(4)-47.42%
Revenue beat(8)0
Avg Revenue beat(8)-83.53%
Revenue beat(12)1
Avg Revenue beat(12)-66.63%
Revenue beat(16)1
Avg Revenue beat(16)-99.31%
PT rev (1m)13.25%
PT rev (3m)15.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)-5.03%
EPS NY rev (3m)-4.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)0.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 7.15 | ||
| P/S | 3.19 | ||
| P/FCF | 20.12 | ||
| P/OCF | 20.12 | ||
| P/B | 1.06 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.52
EY13.86%
EPS(NY)1.53
Fwd EY13.99%
FCF(TTM)0.55
FCFY4.97%
OCF(TTM)0.55
OCFY4.97%
SpS3.44
BVpS10.33
TBVpS9.86
PEG (NY)7.49
PEG (5Y)N/A
Graham Number18.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 6% | ||
| ROCE | 7.23% | ||
| ROIC | 0.62% | ||
| ROICexc | 0.62% | ||
| ROICexgc | 0.63% | ||
| OM | 22.01% | ||
| PM (TTM) | 18.05% | ||
| GM | 25.11% | ||
| FCFM | 15.87% |
ROA(3y)0.73%
ROA(5y)0.13%
ROE(3y)6.68%
ROE(5y)1.98%
ROIC(3y)0.7%
ROIC(5y)N/A
ROICexc(3y)0.71%
ROICexc(5y)N/A
ROICexgc(3y)0.72%
ROICexgc(5y)N/A
ROCE(3y)7.96%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-47.06%
OM growth 5YN/A
PM growth 3Y-50.24%
PM growth 5YN/A
GM growth 3Y-44.58%
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.3 | ||
| Debt/FCF | 157.31 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 87.92% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | -1.03 |
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)-20.42%
EPS 3Y-21.4%
EPS 5Y-10.92%
EPS Q2Q%-5.41%
EPS Next Y0.96%
EPS Next 2Y0.35%
EPS Next 3Y-0.91%
EPS Next 5YN/A
Revenue 1Y (TTM)18.98%
Revenue growth 3YN/A
Revenue growth 5Y56.11%
Sales Q2Q%79.13%
Revenue Next Year58.55%
Revenue Next 2Y27.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-27.32%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year22.61%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2616.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2616.67%
OCF growth 3YN/A
OCF growth 5YN/A
AGNC INVESTMENT CORP / AGNC FAQ
Can you provide the ChartMill fundamental rating for AGNC INVESTMENT CORP?
ChartMill assigns a fundamental rating of 4 / 10 to AGNC.
What is the valuation status for AGNC stock?
ChartMill assigns a valuation rating of 6 / 10 to AGNC INVESTMENT CORP (AGNC). This can be considered as Fairly Valued.
What is the profitability of AGNC stock?
AGNC INVESTMENT CORP (AGNC) has a profitability rating of 5 / 10.
What is the earnings growth outlook for AGNC INVESTMENT CORP?
The Earnings per Share (EPS) of AGNC INVESTMENT CORP (AGNC) is expected to grow by 0.96% in the next year.
Can you provide the dividend sustainability for AGNC stock?
The dividend rating of AGNC INVESTMENT CORP (AGNC) is 5 / 10 and the dividend payout ratio is 221.4%.