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Federal Agricultural Mortgage Corporation (AGM) vs SLM Corporation (SLM)

Federal Agricultural Mortgage Corporation and SLM Corporation are both Credit Services companies. SLM Corporation is the larger, with a market value of $3.2B against $2.1B — 1.5× the size. SLM Corporation trades at the lower P/E: 6.3× against 10.8×. Federal Agricultural Mortgage Corporation grew revenue faster over the last twelve months: 7.27% against −5.69%. SLM Corporation has the higher net margin (19.1% vs 11.6%) and the higher return on invested capital (8.72% vs 5.67%). Both pay a dividend; Federal Agricultural Mortgage Corporation yields more (3.18% vs 2.96%). Across the 18 metrics below, SLM Corporation leads on 11 and Federal Agricultural Mortgage Corporation on 7.

Valuation

Metric AGM SLM Credit Services median
P/E 10.79 6.27 8.96
P/S 1.25 1.13 1.00
P/B 1.72 1.63 1.23
Price to free cash flow 6.89 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.27% 15.95% 7.17%
Free cash flow yield 14.51% (11.71%) 11.75%

Profitability

Metric AGM SLM Credit Services median
Gross margin 25.89% 61.95% 76.61%
Operating margin 0.00% 0.00% 0.34%
Net margin 11.62% 19.12% 8.35%
Free cash flow margin 18.14% (13.20%) 8.73%
Return on equity 16.79% 27.00% 9.05%
Return on assets 0.55% 1.86% 1.94%
Return on invested capital 5.67% 8.72% 4.56%

Growth

Metric AGM SLM Credit Services median
Revenue growth (TTM) 7.27% (5.69%) 4.49%
EPS growth (last fiscal year) 1.09% 29.10% 21.94%
Revenue growth, 5-year CAGR 25.34% 5.73% 9.22%
Net income growth, 5-year CAGR 13.97% (3.49%) 0.00%

Health

Metric AGM SLM Credit Services median
Debt to equity 1.23 2.45 0.69
Current ratio 0.56 1.23 1.26
Net debt to EBITDA 0.00 0.00 0.11

Dividend

Metric AGM SLM Credit Services median
Dividend yield 3.18% 2.96% 1.64%
Payout ratio 0.34 0.19 0.21

Size

Metric AGM SLM Credit Services median
Market cap 2.09b 3.20b 759.73m

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