Federal Agricultural Mortgage Corporation

AGM Financial Credit Services

Federal Agricultural Mortgage Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.6 billion, roughly unchanged from fiscal 2024.

Revenue
+12.9%
EPS
+20.7%
Free cash flow
+188.6%
Total debt
+3.07%

Quarter to June 2026, against a year earlier

183.60 14.37 −7.26%
Market cap
$2.1B
P/E
10.8×
Fwd P/E
9.8×
Dividend yield
3.18%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Federal Agricultural Mortgage Corporation (AGM) Free cash flow margin

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Federal Agricultural Mortgage Corporation's free cash flow margin over the twelve months to 30 June 2026 was 18.1%, up 13.2 percentage points from fiscal 2025 (4.98%). Over the past ten years it has ranged from −17.2% (fiscal 2020) to 107.1% (fiscal 2022); the current reading is higher than 27% of that period. That is above the Credit Services industry median of 8.73% and above the Financial sector median of 11.4%.

Free cash flow margin, annual

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Annual newest first

Period Free cash flow margin Change (points)
FY2025 4.98% (32.40)
FY2024 37.4% 10.84
FY2023 26.5% (80.57)
FY2022 107.1% 9.92
FY2021 97.2% 114.34
FY2020 −17.2% (14.19)
FY2019 −2.96% (38.96)
FY2018 36.0% (7.80)
FY2017 43.8% (20.28)
FY2016 64.1% (0.80)

Against its own ten years

Low −17.2% High 107.1%
Ten-year median 37.4%
Current reading's percentile 27

Free cash flow margin against peers

Company Free cash flow margin
BFH Bread Financial Holdings, Inc. compare 45.4%
ATLC Atlanticus Holdings Corporation compare 36.9%
JCAP Jefferson Capital, Inc. compare 33.3%
AGM Federal Agricultural Mortgage Corporation 18.1%
ECPG Encore Capital Group Inc compare 8.89%
EZPW EZCORP, Inc. compare 8.73%
WU The Western Union Company compare 6.88%
UPST Upstart Holdings, Inc. compare −11.2%
SLM SLM Corporation compare −13.2%
Credit Services industry median 8.73%
Financial sector median 11.4%
Market median 0.00%

What Free cash flow margin is

Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.

(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue

The full definition of Free cash flow margin →

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