FEDERAL AGRIC MTG CORP-CL C (AGM) Stock Fundamental Analysis
NYSE:AGM - New York Stock Exchange, Inc. - US3131483063 - Common Stock
Taking everything into account, AGM scores 3 out of 10 in our fundamental rating. AGM was compared to 101 industry peers in the Financial Services industry. AGM has a bad profitability rating. Also its financial health evaluation is rather negative. AGM is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year AGM was profitable.
In the past year AGM had a positive cash flow from operations.
AGM had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: AGM reported negative operating cash flow in multiple years.
1.2 Ratios
AGM's Return On Assets of 0.56% is on the low side compared to the rest of the industry. AGM is outperformed by 65.35% of its industry peers.
Looking at the Return On Equity, with a value of 11.65%, AGM is in line with its industry, outperforming 54.46% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.98%, AGM is doing worse than 60.40% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AGM is significantly below the industry average of 7.84%.
The 3 year average ROIC (0.84%) for AGM is below the current ROIC(0.98%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
AGM's Profit Margin of 10.94% is in line compared to the rest of the industry. AGM outperforms 51.49% of its industry peers.
In the last couple of years the Profit Margin of AGM has declined.
Looking at the Operating Margin, with a value of 16.21%, AGM is in line with its industry, outperforming 56.44% of the companies in the same industry.
AGM's Operating Margin has declined in the last couple of years.
AGM has a Gross Margin (22.92%) which is in line with its industry peers.
In the last couple of years the Gross Margin of AGM has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
The number of shares outstanding for AGM has been reduced compared to 1 year ago.
The number of shares outstanding for AGM has been reduced compared to 5 years ago.
The debt/assets ratio for AGM has remained at the same level compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.19, we must say that AGM is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of AGM (-0.19) is worse than 67.33% of its industry peers.
AGM has a debt to FCF ratio of 393.56. This is a negative value and a sign of low solvency as AGM would need 393.56 years to pay back of all of its debts.
AGM has a Debt to FCF ratio of 393.56. This is in the lower half of the industry: AGM underperforms 63.37% of its industry peers.
A Debt/Equity ratio of 12.86 is on the high side and indicates that AGM has dependencies on debt financing.
AGM's Debt to Equity ratio of 12.86 is on the low side compared to the rest of the industry. AGM is outperformed by 92.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.86 | ||
| Debt/FCF | 393.56 | ||
| Altman-Z | -0.19 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.12 indicates that AGM may have some problems paying its short term obligations.
The Current ratio of AGM (0.12) is worse than 76.24% of its industry peers.
AGM has a Quick Ratio of 0.12. This is a bad value and indicates that AGM is not financially healthy enough and could expect problems in meeting its short term obligations.
AGM's Quick ratio of 0.12 is on the low side compared to the rest of the industry. AGM is outperformed by 76.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
3. Growth
3.1 Past
AGM 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.
AGM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.06%.
The Revenue has been growing by 20.66% on average over the past years. This is a very strong growth!
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
AGM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.68% yearly.
AGM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.63% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
Based on the Price/Earnings ratio of 12.50, the valuation of AGM can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as AGM.
AGM is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.09, the valuation of AGM can be described as very reasonable.
AGM's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of AGM to the average of the S&P500 Index (24.44), we can say AGM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.5 | ||
| Fwd PE | 11.09 |
4.2 Price Multiples
AGM's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.42 | ||
| 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)5.31
PEG (5Y)0.84
EPS Next 2Y6.66%
EPS Next 3Y6.68%
5. Dividend
5.1 Amount
AGM has a Yearly Dividend Yield of 2.89%.
Compared to an average industry Dividend Yield of 3.66, AGM pays a bit more dividend than its industry peers.
AGM's Dividend Yield is a higher than the S&P500 average which is at 2.28.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.89% |
5.2 History
On average, the dividend of AGM grows each year by 14.74%, which is quite nice.
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)14.74%
Div Incr Years13
Div Non Decr Years15
5.3 Sustainability
49.74% of the earnings are spent on dividend by AGM. 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.
DP49.74%
EPS Next 2Y6.66%
EPS Next 3Y6.68%
FEDERAL AGRIC MTG CORP-CL C
NYSE:AGM (1/22/2025, 9:42:06 AM)
197.35
+0.69 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners80.51%
Inst Owner Change-1.3%
Ins Owners1.61%
Ins Owner Change-4.46%
Market Cap2.15B
Analysts76.67
Price Target222.36 (12.67%)
Short Float %1.85%
Short Ratio3.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.89% |
Yearly Dividend6.85
Dividend Growth(5Y)14.74%
DP49.74%
Div Incr Years13
Div Non Decr Years15
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)0%
PT rev (3m)0%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.5 | ||
| Fwd PE | 11.09 | ||
| P/S | 1.38 | ||
| P/FCF | 29.42 | ||
| P/OCF | 27.44 | ||
| P/B | 1.47 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)15.79
EY8%
EPS(NY)17.8
Fwd EY9.02%
FCF(TTM)6.71
FCFY3.4%
OCF(TTM)7.19
OCFY3.64%
SpS143.06
BVpS134.28
TBVpS134.28
PEG (NY)5.31
PEG (5Y)0.84
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | -0.19 |
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%