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Federal Agricultural Mortgage Corporation (AGM) vs Upstart Holdings, Inc. (UPST)

Federal Agricultural Mortgage Corporation and Upstart Holdings, Inc. are both Credit Services companies. Upstart Holdings, Inc. is the larger, with a market value of $2.4B against $2.2B — 1.1× the size. Federal Agricultural Mortgage Corporation trades at the lower P/E: 11.1× against 38.0×. Upstart Holdings, Inc. grew revenue faster over the last twelve months: 46.3% against 7.27%. Federal Agricultural Mortgage Corporation has the higher net margin (11.6% vs 4.84%) and the higher return on invested capital (5.67% vs 1.75%). Across the 19 metrics below, Federal Agricultural Mortgage Corporation leads on 12 and Upstart Holdings, Inc. on 7.

Valuation

Metric AGM UPST Credit Services median
P/E 11.09 38.00 9.39
P/S 1.29 1.83 0.86
P/B 1.77 2.85 1.16
Price to free cash flow 7.09 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.02% 2.63% 6.55%
Free cash flow yield 14.11% (13.41%) 12.26%

Profitability

Metric AGM UPST Credit Services median
Gross margin 25.89% 82.50% 77.13%
Operating margin 0.00% 3.99% 0.34%
Net margin 11.62% 4.84% 9.25%
Free cash flow margin 18.14% (24.49%) 12.91%
Return on equity 16.79% 7.94% 8.49%
Return on assets 0.55% 2.14% 2.16%
Return on invested capital 5.67% 1.75% 4.09%

Growth

Metric AGM UPST Credit Services median
Revenue growth (TTM) 7.27% 46.30% 4.62%
EPS growth (last fiscal year) 1.09% 131.25% 21.94%
Revenue growth, 5-year CAGR 25.34% 34.93% 9.13%
Net income growth, 5-year CAGR 13.97% 55.04% 0.00%

Health

Metric AGM UPST Credit Services median
Debt to equity 1.23 2.51 0.68
Current ratio 0.56 0.49 1.55
Net debt to EBITDA 0.00 10.83 0.13

Dividend

Metric AGM UPST Credit Services median
Dividend yield 3.09% — 1.64%
Payout ratio 0.34 — 0.22

Size

Metric AGM UPST Credit Services median
Market cap 2.17b 2.41b 751.08m

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