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) Gross margin

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Federal Agricultural Mortgage Corporation's gross margin over the twelve months to 30 June 2026 was 25.9%, up 0.8 percentage points from fiscal 2025 (25.1%). Over the past ten years it has ranged from 23.1% (fiscal 2024) to 54.6% (fiscal 2021); the current reading is higher than 27% of that period. That is below the Credit Services industry median of 76.6% and below the Financial sector median of 70.1%.

Gross margin, annual

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Annual newest first

Period Gross margin Change (points)
FY2025 25.1% 1.97
FY2024 23.1% (1.71)
FY2023 24.8% (16.18)
FY2022 41.0% (13.59)
FY2021 54.6% 13.97
FY2020 40.6% 11.46
FY2019 29.1% (4.33)
FY2018 33.5% (8.43)
FY2017 41.9% (6.46)
FY2016 48.4% (2.86)

Quarterly newest first

Period Gross margin Change (points)
Jun 2026 27.3% 1.58
Mar 2026 25.8% 0.14
Dec 2025 25.6% 0.92
Sep 2025 24.7% (0.65)
42 more quarters

Against its own ten years

Low 23.1% High 54.6%
Ten-year median 40.6%
Current reading's percentile 29

Gross margin against peers

Company Gross margin
BFH Bread Financial Holdings, Inc. compare 100.0%
ECPG Encore Capital Group Inc compare 100.0%
ATLC Atlanticus Holdings Corporation compare 83.3%
UPST Upstart Holdings, Inc. compare 82.3%
JCAP Jefferson Capital, Inc. compare 64.5%
SLM SLM Corporation compare 62.0%
EZPW EZCORP, Inc. compare 58.6%
WU The Western Union Company compare 34.1%
AGM Federal Agricultural Mortgage Corporation 25.9%
Credit Services industry median 76.6%
Financial sector median 70.1%
Market median 45.1%

What Gross margin is

Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.

Gross Profit ÷ Revenue

The full definition of Gross margin →

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