AGM
Federal Agricultural Mortgage Corporation
Financial - Credit Services
Market Cap$1.95B
5Y Perf.+179.0%
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Stock Comparison
AGM vs RC
Revenue, margins, valuation, and 5-year total return — side by side.
RC
Ready Capital Corporation
REIT - Mortgage
Market Cap$330M
5Y Perf.-65.2%
AGM vs RC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AGM | RC |
|---|---|---|
| Industry | Financial - Credit Services | REIT - Mortgage |
| Market Cap | $1.95B | $330M |
| Revenue (TTM) | $1.32B | $-9M |
| Net Income (TTM) | $210M | $-311M |
| Gross Margin | 29.5% | 100.0% |
| Operating Margin | 19.4% | — |
| Forward P/E | 9.5x | — |
| Total Debt | $30.82B | $6.04B |
| Cash & Equiv. | $931M | $144M |
AGM vs RC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AGM
RC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Federal Agricultura… (AGM) | 100 | 279.0 | +179.0% |
| Ready Capital Corpo… (RC) | 100 | 34.8 | -65.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AGM vs RC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AGM leads in 6 of 6 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
AGM
Federal Agricultural Mortgage Corporation
The Banking Pick
AGM carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 14 yrs, beta 0.76, yield 4.5%
- Rev growth -18.9%, EPS growth 1.1%
- 409.4% 10Y total return vs RC's 5.4%
Best for: income & stability and growth exposure
RC
Ready Capital Corporation
The REIT Holding
In this particular matchup, RC is outpaced on most metrics by others in the set.
Best for: real estate exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AGM | -18.9% NII/revenue growth vs RC's -93.0% |
| Quality / Margins | AGM | 15.7% margin vs RC's -15.9% |
| Stability / Safety | AGM | Beta 0.76 vs RC's 1.17 |
| Dividends | AGM | 4.5% yield, 14-year raise streak, vs RC's 59.3% |
| Momentum (1Y) | AGM | +5.8% vs RC's -47.0% |
| Efficiency (ROA) | AGM | 0.6% ROA vs RC's -3.7% |
AGM vs RC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAGMLAGGINGRC
RCReady Capital Corpora…
1leads
AGMFederal Agricultural …
3leads
6 Total Categories
CATEGORYLEADERvs RCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AGM3/4
Valuation MetricsMultiples, price ratios, and targets
RC2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
AGM6/6
Risk & VolatilityBeta, volatility, and downside exposure
AGM2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
AGM leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
AGM and RC operate at a comparable scale, with $1.3B and -$9M in trailing revenue. AGM is the more profitable business, keeping 15.7% of every revenue dollar as net income compared to RC's -15.9%.
| Metric | AGMFederal Agricultu… | RCReady Capital Cor… |
|---|---|---|
| RevenueTrailing 12 months | $1.3B | -$9M |
| EBITDAEarnings before interest/tax | $193M | -$95M |
| Net IncomeAfter-tax profit | $210M | -$311M |
| Free Cash FlowCash after capex | $222M | $366M |
| Gross MarginGross profit ÷ Revenue | +29.5% | +100.0% |
| Operating MarginEBIT ÷ Revenue | +19.4% | — |
| Net MarginNet income ÷ Revenue | +15.7% | -15.9% |
| FCF MarginFCF ÷ Revenue | +6.1% | -187.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | -69.8% |
| EPS Growth (YoY)Latest quarter vs prior year | 0.0% | -86.2% |
AGM leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
RC leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | AGMFederal Agricultu… | RCReady Capital Cor… |
|---|---|---|
| Market CapShares × price | $2.0B | $330M |
| Enterprise ValueMkt cap + debt − cash | $31.8B | $6.2B |
| Trailing P/EPrice ÷ TTM EPS | 10.76x | -0.78x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.48x | — |
| PEG RatioP/E ÷ EPS growth rate | 0.72x | — |
| EV / EBITDAEnterprise value multiple | 124.53x | — |
| Price / SalesMarket cap ÷ Revenue | 1.48x | 12.07x |
| Price / BookPrice ÷ Book value/share | 1.14x | 0.18x |
| Price / FCFMarket cap ÷ FCF | 24.38x | — |
RC leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
Evenly matched — AGM and RC each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
AGM delivers a 12.6% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $-17 for RC. RC carries lower financial leverage with a 3.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to AGM's 17.93x. On the Piotroski fundamental quality scale (0–9), AGM scores 4/9 vs RC's 1/9, reflecting mixed financial health.
| Metric | AGMFederal Agricultu… | RCReady Capital Cor… |
|---|---|---|
| ROE (TTM)Return on equity | +12.6% | -16.6% |
| ROA (TTM)Return on assets | +0.6% | -3.7% |
| ROICReturn on invested capital | +0.6% | — |
| ROCEReturn on capital employed | +1.1% | — |
| Piotroski ScoreFundamental quality 0–9 | 4 | 1 |
| Debt / EquityFinancial leverage | 17.93x | 3.12x |
| Net DebtTotal debt minus cash | $29.9B | $5.9B |
| Cash & Equiv.Liquid assets | $931M | $144M |
| Total DebtShort + long-term debt | $30.8B | $6.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.17x | — |
Evenly matched — AGM and RC each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
AGM leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AGM five years ago would be worth $18,168 today (with dividends reinvested), compared to $5,520 for RC. Over the past 12 months, AGM leads with a +5.8% total return vs RC's -47.0%. The 3-year compound annual growth rate (CAGR) favors AGM at 14.5% vs RC's -23.7% — a key indicator of consistent wealth creation.
| Metric | AGMFederal Agricultu… | RCReady Capital Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +2.3% | -4.2% |
| 1-Year ReturnPast 12 months | +5.8% | -47.0% |
| 3-Year ReturnCumulative with dividends | +50.2% | -55.6% |
| 5-Year ReturnCumulative with dividends | +81.7% | -44.8% |
| 10-Year ReturnCumulative with dividends | +409.4% | +5.4% |
| CAGR (3Y)Annualised 3-year return | +14.5% | -23.7% |
AGM leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
AGM leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
AGM is the less volatile stock with a 0.76 beta — it tends to amplify market swings less than RC's 1.17 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. AGM currently trades 84.9% from its 52-week high vs RC's 42.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AGMFederal Agricultu… | RCReady Capital Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.76x | 1.17x |
| 52-Week HighHighest price in past year | $210.64 | $4.75 |
| 52-Week LowLowest price in past year | $136.57 | $1.51 |
| % of 52W HighCurrent price vs 52-week peak | +84.9% | +42.9% |
| RSI (14)Momentum oscillator 0–100 | 59.2 | 62.3 |
| Avg Volume (50D)Average daily shares traded | 102K | 2.1M |
AGM leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — AGM and RC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AGM as "Buy" and RC as "Buy". Consensus price targets imply 30.2% upside for AGM (target: $233) vs 22.5% for RC (target: $3). For income investors, RC offers the higher dividend yield at 59.25% vs AGM's 4.53%.
| Metric | AGMFederal Agricultu… | RCReady Capital Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $233.00 | $2.50 |
| # AnalystsCovering analysts | 5 | 16 |
| Dividend YieldAnnual dividend ÷ price | +4.5% | +59.3% |
| Dividend StreakConsecutive years of raises | 14 | 0 |
| Dividend / ShareAnnual DPS | $8.11 | $1.21 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +24.9% |
Evenly matched — AGM and RC each lead in 1 of 2 comparable metrics.
Key Takeaway
AGM leads in 3 of 6 categories (Income & Cash Flow, Total Returns). RC leads in 1 (Valuation Metrics). 2 tied.
Best OverallFederal Agricultural Mortga… (AGM)Leads 3 of 6 categories
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AGM vs RC: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is AGM or RC a better buy right now?
For growth investors, Federal Agricultural Mortgage Corporation (AGM) is the stronger pick with -18.
9% revenue growth year-over-year, versus -93. 0% for Ready Capital Corporation (RC). Federal Agricultural Mortgage Corporation (AGM) offers the better valuation at 10. 8x trailing P/E (9. 5x forward), making it the more compelling value choice. Analysts rate Federal Agricultural Mortgage Corporation (AGM) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — AGM or RC?
Over the past 5 years, Federal Agricultural Mortgage Corporation (AGM) delivered a total return of +81.
7%, compared to -44. 8% for Ready Capital Corporation (RC). Over 10 years, the gap is even starker: AGM returned +409. 4% versus RC's +5. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — AGM or RC?
By beta (market sensitivity over 5 years), Federal Agricultural Mortgage Corporation (AGM) is the lower-risk stock at 0.
76β versus Ready Capital Corporation's 1. 17β — meaning RC is approximately 55% more volatile than AGM relative to the S&P 500. On balance sheet safety, Ready Capital Corporation (RC) carries a lower debt/equity ratio of 3% versus 18% for Federal Agricultural Mortgage Corporation — giving it more financial flexibility in a downturn.
04Which is growing faster — AGM or RC?
By revenue growth (latest reported year), Federal Agricultural Mortgage Corporation (AGM) is pulling ahead at -18.
9% versus -93. 0% for Ready Capital Corporation (RC). On earnings-per-share growth, the picture is similar: Federal Agricultural Mortgage Corporation grew EPS 1. 1% year-over-year, compared to -217. 9% for Ready Capital Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — AGM or RC?
Federal Agricultural Mortgage Corporation (AGM) is the more profitable company, earning 15.
7% net margin versus -1593. 0% for Ready Capital Corporation — meaning it keeps 15. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AGM leads at 19. 4% versus 0. 0% for RC. At the gross margin level — before operating expenses — RC leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is AGM or RC more undervalued right now?
Analyst consensus price targets imply the most upside for AGM: 30.
2% to $233. 00.
07Which pays a better dividend — AGM or RC?
All stocks in this comparison pay dividends.
Ready Capital Corporation (RC) offers the highest yield at 59. 3%, versus 4. 5% for Federal Agricultural Mortgage Corporation (AGM).
08Is AGM or RC better for a retirement portfolio?
For long-horizon retirement investors, Federal Agricultural Mortgage Corporation (AGM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
76), 4. 5% yield, +409. 4% 10Y return). Both have compounded well over 10 years (AGM: +409. 4%, RC: +5. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between AGM and RC?
These companies operate in different sectors (AGM (Financial Services) and RC (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: AGM is a small-cap deep-value stock; RC is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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