AGNC INVESTMENT CORP (AGNC) Fundamental Analysis & Valuation

NASDAQ:AGNC • US00123Q1040

10.64 USD
-0.26 (-2.39%)
At close: Mar 6, 2026
10.62 USD
-0.02 (-0.19%)
After Hours: 3/6/2026, 8:00:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This AGNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

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. There are concerns on the financial health of AGNC while its profitability can be described as average. AGNC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. AGNC Profitability Analysis

1.1 Basic Checks

  • In the past year AGNC was profitable.
  • AGNC had a positive operating cash flow in the past year.
  • Of the past 5 years AGNC 4 years were profitable.
  • In multiple years AGNC reported negative operating cash flow during the last 5 years.
AGNC Yearly Net Income VS EBIT VS OCF VS FCFAGNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B

1.2 Ratios

  • The Return On Assets of AGNC (0.63%) is better than 66.18% of its industry peers.
  • With a decent Return On Equity value of 6.00%, AGNC is doing good in the industry, outperforming 79.41% of the companies in the same industry.
  • AGNC's Return On Invested Capital of 0.62% is fine compared to the rest of the industry. AGNC outperforms 63.24% of its industry peers.
  • AGNC had an Average Return On Invested Capital over the past 3 years of 0.70%. This is in line with the industry average of 1.22%.
Industry RankSector 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
AGNC Yearly ROA, ROE, ROICAGNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10 -15

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.
  • AGNC has a Operating Margin of 22.01%. This is amongst the best in the industry. AGNC outperforms 83.82% of its industry peers.
  • In the last couple of years the Operating Margin of AGNC has declined.
  • Looking at the Gross Margin, with a value of 25.11%, AGNC is in line with its industry, outperforming 42.65% of the companies in the same industry.
  • AGNC's Gross Margin has declined in the last couple of years.
Industry RankSector 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
AGNC Yearly Profit, Operating, Gross MarginsAGNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100 200

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0

2. AGNC Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, AGNC has more shares outstanding
  • Compared to 5 years ago, AGNC has more shares outstanding
  • Compared to 1 year ago, AGNC has a worse debt to assets ratio.
AGNC Yearly Shares OutstandingAGNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
AGNC Yearly Total Debt VS Total AssetsAGNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

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 has a Altman-Z score of -1.03. This is amonst the worse of the industry: AGNC underperforms 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.
  • Looking at the Debt to FCF ratio, with a value of 157.31, AGNC is in line with its industry, outperforming 51.47% of the companies in the same industry.
  • AGNC has a Debt/Equity ratio of 8.30. This is a high value indicating a heavy dependency on external financing.
  • AGNC has a worse Debt to Equity ratio (8.30) than 70.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.3
Debt/FCF 157.31
Altman-Z -1.03
ROIC/WACCN/A
WACCN/A
AGNC Yearly LT Debt VS Equity VS FCFAGNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 0.02 indicates that AGNC may have some problems paying its short term obligations.
  • AGNC has a worse Current ratio (0.02) than 86.76% of its industry peers.
  • AGNC has a Quick 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.
  • With a Quick ratio value of 0.02, AGNC is not doing good in the industry: 86.76% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
AGNC Yearly Current Assets VS Current LiabilitesAGNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. AGNC Growth Analysis

3.1 Past

  • AGNC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.42%.
  • AGNC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.92% yearly.
  • AGNC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.98%.
  • The Revenue has been growing by 56.11% on average over the past years. This is a very strong growth!
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

  • AGNC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.91% yearly.
  • The Revenue is expected to grow by 27.10% on average over the next years. This is a very strong growth
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.
AGNC Yearly Revenue VS EstimatesAGNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1B 2B 3B 4B
AGNC Yearly EPS VS EstimatesAGNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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6

4. AGNC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.00 indicates a rather cheap valuation of AGNC.
  • AGNC's Price/Earnings ratio is rather cheap when compared to the industry. AGNC is cheaper than 86.76% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, AGNC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.93, which indicates a rather cheap valuation of AGNC.
  • Based on the Price/Forward Earnings ratio, AGNC is valued cheaper than 80.88% of the companies in the same industry.
  • AGNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.57.
Industry RankSector Rank
PE 7
Fwd PE 6.93
AGNC Price Earnings VS Forward Price EarningsAGNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AGNC indicates a somewhat cheap valuation: AGNC is cheaper than 63.24% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.51
EV/EBITDA N/A
AGNC Per share dataAGNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AGNC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)7.27
PEG (5Y)N/A
EPS Next 2Y0.35%
EPS Next 3Y-0.91%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. AGNC Dividend Analysis

5.1 Amount

  • AGNC has a Yearly Dividend Yield of 12.69%, which is a nice return.
  • AGNC's Dividend Yield is a higher than the industry average which is at 11.15.
  • Compared to an average S&P500 Dividend Yield of 1.82, AGNC pays a better dividend.
Industry RankSector Rank
Dividend Yield 12.69%

5.2 History

  • The dividend of AGNC decreases each year by -2.31%.
  • AGNC has paid a dividend for at least 10 years, which is 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
AGNC Yearly Dividends per shareAGNC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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 Yearly Income VS Free CF VS DividendAGNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B
AGNC Dividend Payout.AGNC Dividend Payout, showing the Payout Ratio.AGNC Dividend Payout.PayoutRetained Earnings

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AGNC Fundamentals: All Metrics, Ratios and Statistics

AGNC INVESTMENT CORP

NASDAQ:AGNC (3/6/2026, 8:00:03 PM)

After market: 10.62 -0.02 (-0.19%)

10.64

-0.26 (-2.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)01-26
Earnings (Next)N/A
Inst Owners39.98%
Inst Owner Change2.86%
Ins Owners0.34%
Ins Owner Change1.5%
Market Cap11.78B
Revenue(TTM)4.64B
Net Income(TTM)687.00M
Analysts73
Price Target11.99 (12.69%)
Short Float %6.26%
Short Ratio3.25
Dividend
Industry RankSector 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
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 RankSector Rank
PE 7
Fwd PE 6.93
P/S 3.1
P/FCF 19.51
P/OCF 19.51
P/B 1.03
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)1.52
EY14.29%
EPS(NY)1.53
Fwd EY14.42%
FCF(TTM)0.55
FCFY5.13%
OCF(TTM)0.55
OCFY5.13%
SpS3.44
BVpS10.33
TBVpS9.86
PEG (NY)7.27
PEG (5Y)N/A
Graham Number18.8
Profitability
Industry RankSector 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 RankSector 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%.