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FEDERAL AGRIC MTG CORP-CL A (AGM.A) Stock Fundamental Analysis

NYSE:AGM.A - New York Stock Exchange, Inc. - US3131481083 - Common Stock

150.17  +3.57 (+2.44%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to AGM.A. AGM.A was compared to 101 industry peers in the Financial Services industry. AGM.A has a bad profitability rating. Also its financial health evaluation is rather negative. AGM.A has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

AGM.A had positive earnings in the past year.
AGM.A had a positive operating cash flow in the past year.
In the past 5 years AGM.A has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: AGM.A reported negative operating cash flow in multiple years.
AGM.A Yearly Net Income VS EBIT VS OCF VS FCFAGM.A Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.56%, AGM.A is doing worse than 64.36% of the companies in the same industry.
The Return On Equity of AGM.A (11.65%) is comparable to the rest of the industry.
AGM.A has a Return On Invested Capital (0.98%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AGM.A is significantly below the industry average of 7.84%.
The last Return On Invested Capital (0.98%) for AGM.A is above the 3 year average (0.84%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.56%
ROE 11.65%
ROIC 0.98%
ROA(3y)0.53%
ROA(5y)0.48%
ROE(3y)11.1%
ROE(5y)10.92%
ROIC(3y)0.84%
ROIC(5y)0.85%
AGM.A Yearly ROA, ROE, ROICAGM.A Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

AGM.A has a Profit Margin (10.94%) which is in line with its industry peers.
In the last couple of years the Profit Margin of AGM.A has declined.
Looking at the Operating Margin, with a value of 16.21%, AGM.A is in line with its industry, outperforming 57.43% of the companies in the same industry.
In the last couple of years the Operating Margin of AGM.A has declined.
AGM.A has a Gross Margin (22.92%) which is in line with its industry peers.
AGM.A's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 16.21%
PM (TTM) 10.94%
GM 22.92%
OM growth 3Y-13.73%
OM growth 5Y-6.87%
PM growth 3Y-12.69%
PM growth 5Y-6.57%
GM growth 3Y-15.48%
GM growth 5Y-6.51%
AGM.A Yearly Profit, Operating, Gross MarginsAGM.A Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40 50

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for AGM.A has been reduced compared to 1 year ago.
The number of shares outstanding for AGM.A has been reduced compared to 5 years ago.
The debt/assets ratio for AGM.A has remained at the same level compared to a year ago.
AGM.A Yearly Shares OutstandingAGM.A Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M
AGM.A Yearly Total Debt VS Total AssetsAGM.A Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B 25B

2.2 Solvency

AGM.A has an Altman-Z score of -0.20. This is a bad value and indicates that AGM.A is not financially healthy and even has some risk of bankruptcy.
AGM.A has a Altman-Z score of -0.20. This is in the lower half of the industry: AGM.A underperforms 68.32% of its industry peers.
AGM.A has a debt to FCF ratio of 393.56. This is a negative value and a sign of low solvency as AGM.A would need 393.56 years to pay back of all of its debts.
AGM.A's Debt to FCF ratio of 393.56 is on the low side compared to the rest of the industry. AGM.A is outperformed by 62.38% of its industry peers.
A Debt/Equity ratio of 12.86 is on the high side and indicates that AGM.A has dependencies on debt financing.
AGM.A has a Debt to Equity ratio of 12.86. This is amonst the worse of the industry: AGM.A underperforms 91.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 12.86
Debt/FCF 393.56
Altman-Z -0.2
ROIC/WACCN/A
WACCN/A
AGM.A Yearly LT Debt VS Equity VS FCFAGM.A Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B

2.3 Liquidity

A Current Ratio of 0.12 indicates that AGM.A may have some problems paying its short term obligations.
AGM.A has a worse Current ratio (0.12) than 75.25% of its industry peers.
AGM.A has a Quick Ratio of 0.12. This is a bad value and indicates that AGM.A is not financially healthy enough and could expect problems in meeting its short term obligations.
AGM.A has a worse Quick ratio (0.12) than 75.25% of its industry peers.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
AGM.A Yearly Current Assets VS Current LiabilitesAGM.A Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

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5

3. Growth

3.1 Past

AGM.A shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.34%.
The Earnings Per Share has been growing by 14.91% on average over the past years. This is quite good.
The Revenue has grown by 19.06% in the past year. This is quite good.
Measured over the past years, AGM.A shows a very strong growth in Revenue. The Revenue has been growing by 20.66% on average per year.
EPS 1Y (TTM)7.34%
EPS 3Y18.77%
EPS 5Y14.91%
EPS Q2Q%-0.73%
Revenue 1Y (TTM)19.06%
Revenue growth 3Y39.87%
Revenue growth 5Y20.66%
Sales Q2Q%-6.88%

3.2 Future

Based on estimates for the next years, AGM.A will show a small growth in Earnings Per Share. The EPS will grow by 6.68% on average per year.
Based on estimates for the next years, AGM.A will show a small growth in Revenue. The Revenue will grow by 4.63% on average per year.
EPS Next Y2.36%
EPS Next 2Y6.66%
EPS Next 3Y6.68%
EPS Next 5YN/A
Revenue Next Year4.21%
Revenue Next 2Y5.43%
Revenue Next 3Y4.63%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
AGM.A Yearly Revenue VS EstimatesAGM.A Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
AGM.A Yearly EPS VS EstimatesAGM.A Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5 10 15

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.51, which indicates a very decent valuation of AGM.A.
Based on the Price/Earnings ratio, AGM.A is valued a bit cheaper than 73.27% of the companies in the same industry.
AGM.A is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.44, which indicates a very decent valuation of AGM.A.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AGM.A indicates a somewhat cheap valuation: AGM.A is cheaper than 71.29% of the companies listed in the same industry.
AGM.A is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.51
Fwd PE 8.44
AGM.A Price Earnings VS Forward Price EarningsAGM.A Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AGM.A indicates a somewhat cheap valuation: AGM.A is cheaper than 64.36% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 22.39
EV/EBITDA N/A
AGM.A Per share dataAGM.A EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AGM.A does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.04
PEG (5Y)0.64
EPS Next 2Y6.66%
EPS Next 3Y6.68%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.89%, AGM.A has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.66, AGM.A pays a bit more dividend than its industry peers.
AGM.A's Dividend Yield is a higher than the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 2.89%

5.2 History

On average, the dividend of AGM.A grows each year by 14.74%, which is quite nice.
AGM.A has been paying a dividend for at least 10 years, so it has a reliable track record.
AGM.A has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)14.74%
Div Incr Years12
Div Non Decr Years14
AGM.A Yearly Dividends per shareAGM.A Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

5.3 Sustainability

AGM.A pays out 49.74% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of AGM.A is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP49.74%
EPS Next 2Y6.66%
EPS Next 3Y6.68%
AGM.A Yearly Income VS Free CF VS DividendAGM.A Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M
AGM.A Dividend Payout.AGM.A Dividend Payout, showing the Payout Ratio.AGM.A Dividend Payout.PayoutRetained Earnings

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FEDERAL AGRIC MTG CORP-CL A

NYSE:AGM.A (1/22/2025, 9:32:07 AM)

150.17

+3.57 (+2.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2024-11-04/amc
Earnings (Next)N/A N/A
Inst Owners80.51%
Inst Owner Change0%
Ins Owners1.61%
Ins Owner ChangeN/A
Market Cap1.64B
Analysts76.67
Price Target175.72 (17.01%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.89%
Yearly Dividend6.85
Dividend Growth(5Y)14.74%
DP49.74%
Div Incr Years12
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.61%
Min EPS beat(2)-11.91%
Max EPS beat(2)-1.31%
EPS beat(4)1
Avg EPS beat(4)-4.08%
Min EPS beat(4)-11.91%
Max EPS beat(4)0.31%
EPS beat(8)5
Avg EPS beat(8)4.26%
EPS beat(12)7
Avg EPS beat(12)2.6%
EPS beat(16)9
Avg EPS beat(16)2.48%
Revenue beat(2)0
Avg Revenue beat(2)-2.92%
Min Revenue beat(2)-3.04%
Max Revenue beat(2)-2.79%
Revenue beat(4)0
Avg Revenue beat(4)-3.75%
Min Revenue beat(4)-4.79%
Max Revenue beat(4)-2.79%
Revenue beat(8)4
Avg Revenue beat(8)36.92%
Revenue beat(12)8
Avg Revenue beat(12)62.49%
Revenue beat(16)12
Avg Revenue beat(16)70.04%
PT rev (1m)2.23%
PT rev (3m)1.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.57%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.48%
Valuation
Industry RankSector Rank
PE 9.51
Fwd PE 8.44
P/S 1.05
P/FCF 22.39
P/OCF 20.88
P/B 1.12
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)15.79
EY10.51%
EPS(NY)17.8
Fwd EY11.86%
FCF(TTM)6.71
FCFY4.47%
OCF(TTM)7.19
OCFY4.79%
SpS143.06
BVpS134.28
TBVpS134.28
PEG (NY)4.04
PEG (5Y)0.64
Profitability
Industry RankSector Rank
ROA 0.56%
ROE 11.65%
ROCE 1.24%
ROIC 0.98%
ROICexc 1.02%
ROICexgc 1.02%
OM 16.21%
PM (TTM) 10.94%
GM 22.92%
FCFM 4.69%
ROA(3y)0.53%
ROA(5y)0.48%
ROE(3y)11.1%
ROE(5y)10.92%
ROIC(3y)0.84%
ROIC(5y)0.85%
ROICexc(3y)0.88%
ROICexc(5y)0.9%
ROICexgc(3y)0.88%
ROICexgc(5y)0.9%
ROCE(3y)1.07%
ROCE(5y)1.08%
ROICexcg growth 3Y2.57%
ROICexcg growth 5Y-1.66%
ROICexc growth 3Y2.55%
ROICexc growth 5Y-1.68%
OM growth 3Y-13.73%
OM growth 5Y-6.87%
PM growth 3Y-12.69%
PM growth 5Y-6.57%
GM growth 3Y-15.48%
GM growth 5Y-6.51%
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 12.86
Debt/FCF 393.56
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 42.86%
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z -0.2
F-Score5
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)381.71%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.34%
EPS 3Y18.77%
EPS 5Y14.91%
EPS Q2Q%-0.73%
EPS Next Y2.36%
EPS Next 2Y6.66%
EPS Next 3Y6.68%
EPS Next 5YN/A
Revenue 1Y (TTM)19.06%
Revenue growth 3Y39.87%
Revenue growth 5Y20.66%
Sales Q2Q%-6.88%
Revenue Next Year4.21%
Revenue Next 2Y5.43%
Revenue Next 3Y4.63%
Revenue Next 5YN/A
EBIT growth 1Y4.38%
EBIT growth 3Y20.67%
EBIT growth 5Y12.38%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-89.71%
FCF growth 3YN/A
FCF growth 5Y13.44%
OCF growth 1Y-88.96%
OCF growth 3YN/A
OCF growth 5Y13.44%