AGNC INVESTMENT CORP (AGNC) Stock Fundamental Analysis
NASDAQ:AGNC • US00123Q1040
11.45 USD
+0.13 (+1.15%)
At close: Feb 20, 2026
11.4572 USD
+0.01 (+0.06%)
After Hours: 2/20/2026, 10:17:36 PM
Taking everything into account, AGNC scores 4 out of 10 in our fundamental rating. AGNC was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. AGNC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
- Of the past 5 years AGNC 4 years were profitable.
- 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's Return On Assets of 0.63% is fine compared to the rest of the industry. AGNC outperforms 72.86% of its industry peers.
- AGNC's Return On Equity of 6.00% is amongst the best of the industry. AGNC outperforms 85.71% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.62%, AGNC is in the better half of the industry, outperforming 65.71% of the companies in the same industry.
- 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 1.26%.
| 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
- AGNC's Profit Margin of 18.05% is amongst the best of the industry. AGNC outperforms 84.29% of its industry peers.
- In the last couple of years the Profit Margin of AGNC has declined.
- AGNC's Operating Margin of 22.01% is amongst the best of the industry. AGNC outperforms 84.29% of its industry peers.
- In the last couple of years the Operating Margin of AGNC has declined.
- The Gross Margin of AGNC (25.11%) is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of AGNC has declined.
| 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. Health
2.1 Basic Checks
- AGNC has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for AGNC has been increased compared to 5 years ago.
- Compared to 1 year ago, AGNC has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of -1.03, we must say that AGNC is in the distress zone and has some risk of bankruptcy.
- AGNC has a worse Altman-Z score (-1.03) than 94.29% 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 (157.31) which is comparable to the rest of the industry.
- AGNC has a Debt/Equity ratio of 8.30. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 8.30, AGNC is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
| 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.
- AGNC's Current ratio of 0.02 is on the low side compared to the rest of the industry. AGNC is outperformed by 88.57% of its industry peers.
- A Quick Ratio of 0.02 indicates that AGNC may have some problems paying its short term obligations.
- AGNC has a Quick ratio of 0.02. This is amonst the worse of the industry: AGNC underperforms 88.57% of its industry peers.
| 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 -20.42% in the last year.
- The earnings per share for AGNC have been decreasing by -10.92% on average. This is quite bad
- The Revenue has grown by 18.98% in the past year. This is quite good.
- 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.
- 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.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 7.53, which indicates a rather cheap valuation of AGNC.
- Based on the Price/Earnings ratio, AGNC is valued cheaper than 81.43% of the companies in the same industry.
- When comparing the Price/Earnings ratio of AGNC to the average of the S&P500 Index (26.99), we can say AGNC is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 7.46, the valuation of AGNC can be described as very cheap.
- 78.57% of the companies in the same industry are more expensive than AGNC, based on the Price/Forward Earnings ratio.
- AGNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.53 | ||
| Fwd PE | 7.46 |
4.2 Price Multiples
- AGNC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21 | ||
| EV/EBITDA | N/A |
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)7.82
PEG (5Y)N/A
EPS Next 2Y0.35%
EPS Next 3Y-0.91%
5. Dividend
5.1 Amount
- AGNC has a Yearly Dividend Yield of 9.41%, which is a nice return.
- Compared to an average industry Dividend Yield of 11.13, AGNC has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.81, AGNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.41% |
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
- 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%
11.45
+0.13 (+1.15%)
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 Change1.12%
Ins Owners0.34%
Ins Owner Change15.06%
Market Cap12.68B
Revenue(TTM)4.64B
Net Income(TTM)687.00M
Analysts73
Price Target11.99 (4.72%)
Short Float %5.81%
Short Ratio3.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.41% |
Yearly Dividend1.56
Dividend Growth(5Y)-5.92%
DP221.4%
Div Incr Years1
Div Non Decr Years3
Ex-Date01-30 2026-01-30 (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)15.15%
PT rev (3m)16.29%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)-5.02%
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 | 7.53 | ||
| Fwd PE | 7.46 | ||
| P/S | 3.33 | ||
| P/FCF | 21 | ||
| P/OCF | 21 | ||
| P/B | 1.11 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.52
EY13.28%
EPS(NY)1.53
Fwd EY13.4%
FCF(TTM)0.55
FCFY4.76%
OCF(TTM)0.55
OCFY4.76%
SpS3.44
BVpS10.33
TBVpS9.86
PEG (NY)7.82
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 YearN/A
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 5 / 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%.