Comprehensive Stock Comparison
Compare Federal Agricultural Mortgage Corporation (AGM) vs Yiren Digital Ltd. (YRD) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | YRD | 18.6% revenue growth vs AGM's -0.8% |
| Value | YRD | Lower P/E (0.7x vs 8.4x), PEG 0.09 vs 0.56 |
| Quality / Margins | YRD | 27.3% net margin vs AGM's 11.3% |
| Stability / Safety | AGM | Beta 0.67 vs YRD's 0.95 |
| Dividends | AGM | 5.1% yield, 14-year raise streak, vs YRD's 10.5% |
| Momentum (1Y) | AGM | -21.7% vs YRD's -36.9% |
| Efficiency (ROA) | YRD | 8.1% ROA vs AGM's 0.5% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Federal Agricultural Mortgage Corporation (Farmer Mac) is a government-sponsored enterprise that provides a secondary market for agricultural and rural infrastructure loans in the United States. It makes money primarily through guarantee fees on loan-backed securities (about 60% of revenue) and net interest income from its retained loan portfolio (about 40%). Its key advantage is its government-sponsored status, which provides lower funding costs and regulatory advantages in the agricultural lending market.
Yiren Digital operates an online consumer finance marketplace in China that connects borrowers with investors. It generates revenue primarily through loan facilitation fees and post-origination services — including collection and cash processing — while also earning commissions from distributing financial products like insurance and mutual funds. The company's competitive advantage lies in its established digital platform and regulatory compliance within China's complex financial services landscape.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
YRD leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). AGM leads in 1 (Risk & Volatility). 2 tied.
Financial Metrics (TTM)
YRD is the larger business by revenue, generating $5.8B annually — 3.6x AGM's $1.6B. YRD is the more profitable business, keeping 27.3% of every revenue dollar as net income compared to AGM's 11.3%.
| Metric | AGMFederal Agricultu… | YRDYiren Digital Ltd. |
|---|---|---|
| RevenueTrailing 12 months | $1.6B | $5.8B |
| EBITDAEarnings before interest/tax | $0 | $1.6B |
| Net IncomeAfter-tax profit | $182M | $1.3B |
| Free Cash FlowCash after capex | $80M | $884M |
| Gross MarginGross profit ÷ Revenue | — | +84.8% |
| Operating MarginEBIT ÷ Revenue | — | +28.4% |
| Net MarginNet income ÷ Revenue | +11.3% | +27.3% |
| FCF MarginFCF ÷ Revenue | +5.0% | +24.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -20.1% | -10.1% |
Valuation Metrics
At 0.7x trailing earnings, YRD trades at a 92% valuation discount to AGM's 9.5x P/E. Adjusting for growth (PEG ratio), YRD offers better value at 0.09x vs AGM's 0.63x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | AGMFederal Agricultu… | YRDYiren Digital Ltd. |
|---|---|---|
| Market CapShares × price | $1.5B | $673M |
| Enterprise ValueMkt cap + debt − cash | $31.4B | $119M |
| Trailing P/EPrice ÷ TTM EPS | 9.48x | 0.74x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.36x | — |
| PEG RatioP/E ÷ EPS growth rate | 0.63x | 0.09x |
| EV / EBITDAEnterprise value multiple | — | 0.49x |
| Price / SalesMarket cap ÷ Revenue | 0.91x | 0.80x |
| Price / BookPrice ÷ Book value/share | 1.01x | 0.12x |
| Price / FCFMarket cap ÷ FCF | 18.36x | 3.26x |
Profitability & Efficiency
YRD delivers a 12.1% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $11 for AGM. YRD carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to AGM's 17.93x.
| Metric | AGMFederal Agricultu… | YRDYiren Digital Ltd. |
|---|---|---|
| ROE (TTM)Return on equity | +10.6% | +12.1% |
| ROA (TTM)Return on assets | +0.5% | +8.1% |
| ROICReturn on invested capital | — | +14.0% |
| ROCEReturn on capital employed | — | +16.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 17.93x | 0.00x |
| Net DebtTotal debt minus cash | $29.9B | -$3.8B |
| Cash & Equiv.Liquid assets | $931M | $3.8B |
| Total DebtShort + long-term debt | $30.8B | $41M |
| Interest CoverageEBIT ÷ Interest expense | — | — |
Total Returns (with DRIP)
A $10,000 investment in AGM five years ago would be worth $20,353 today (with dividends reinvested), compared to $8,602 for YRD. Over the past 12 months, AGM leads with a -21.7% total return vs YRD's -36.9%. The 3-year compound annual growth rate (CAGR) favors YRD at 18.9% vs AGM's 7.0% — a key indicator of consistent wealth creation.
| Metric | AGMFederal Agricultu… | YRDYiren Digital Ltd. |
|---|---|---|
| YTD ReturnYear-to-date | -10.6% | +1.8% |
| 1-Year ReturnPast 12 months | -21.7% | -36.9% |
| 3-Year ReturnCumulative with dividends | +22.4% | +68.2% |
| 5-Year ReturnCumulative with dividends | +103.5% | -14.0% |
| 10-Year ReturnCumulative with dividends | +491.0% | +5.0% |
| CAGR (3Y)Annualised 3-year return | +7.0% | +18.9% |
Risk & Volatility
AGM is the less volatile stock with a 0.67 beta — it tends to amplify market swings less than YRD's 0.95 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. AGM currently trades 74.8% from its 52-week high vs YRD's 44.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AGMFederal Agricultu… | YRDYiren Digital Ltd. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.67x | 0.95x |
| 52-Week HighHighest price in past year | $210.78 | $8.74 |
| 52-Week LowLowest price in past year | $146.69 | $3.58 |
| % of 52W HighCurrent price vs 52-week peak | +74.8% | +44.6% |
| RSI (14)Momentum oscillator 0–100 | 42.9 | 53.6 |
| Avg Volume (50D)Average daily shares traded | 90K | 59K |
Analyst Outlook
Wall Street rates AGM as "Buy" and YRD as "Sell". For income investors, YRD offers the higher dividend yield at 10.47% vs AGM's 5.15%.
| Metric | AGMFederal Agricultu… | YRDYiren Digital Ltd. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Sell |
| Price TargetConsensus 12-month target | $233.00 | — |
| # AnalystsCovering analysts | 5 | 8 |
| Dividend YieldAnnual dividend ÷ price | +5.1% | +10.5% |
| Dividend StreakConsecutive years of raises | 14 | 1 |
| Dividend / ShareAnnual DPS | $8.12 | $2.80 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.9% | +1.6% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Federal Agricultura… (AGM) | 100 | 226.38 | +126.4% |
| Yiren Digital Ltd. (YRD) | 100 | 95.61 | -4.4% |
Federal Agricultura… (AGM) returned +104% over 5 years vs Yiren Digital Ltd. (YRD)'s -14%. A $10,000 investment in AGM 5 years ago would be worth $20,353 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Federal Agricultura… (AGM) | $332M | $1.6B | +385.1% |
| Yiren Digital Ltd. (YRD) | $3.2B | $5.8B | +79.3% |
Federal Agricultural Mortgage Corporation's revenue grew from $332M (2016) to $1.6B (2025) — a 19.2% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Federal Agricultura… (AGM) | 23.3% | 11.3% | -51.4% |
| Yiren Digital Ltd. (YRD) | 34.5% | 27.3% | -21.0% |
Federal Agricultural Mortgage Corporation's net margin went from 23% (2016) to 11% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Federal Agricultura… (AGM) | 11.9 | 10.6 | -10.9% |
| Yiren Digital Ltd. (YRD) | 1 | 0.1 | -90.0% |
Federal Agricultural Mortgage Corporation has traded in a 7x–12x P/E range over 9 years; current trailing P/E is ~9x. Yiren Digital Ltd. has traded in a 0x–1x P/E range over 7 years; current trailing P/E is ~1x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Federal Agricultura… (AGM) | 5.97 | 16.63 | +178.6% |
| Yiren Digital Ltd. (YRD) | 37.54 | 36.22 | -3.5% |
Federal Agricultural Mortgage Corporation's EPS grew from $5.97 (2016) to $16.63 (2025) — a 12% CAGR.
Chart 6Free Cash Flow — 5 Years
Federal Agricultural Mortgage Corporation generated $80M FCF in 2025 (-82% vs 2021). Yiren Digital Ltd. generated $1B FCF in 2024 (+851% vs 2021).
AGM vs YRD: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is AGM or YRD a better buy right now?
Yiren Digital Ltd. (YRD) offers the better valuation at 0.7x trailing P/E, 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 has the better valuation — AGM or YRD?
On trailing P/E, Yiren Digital Ltd. (YRD) is the cheapest at 0.7x versus Federal Agricultural Mortgage Corporation at 9.5x.
03Which is the better long-term investment — AGM or YRD?
Over the past 5 years, Federal Agricultural Mortgage Corporation (AGM) delivered a total return of +103.5%, compared to -14.0% for Yiren Digital Ltd. (YRD). A $10,000 investment in AGM five years ago would be worth approximately $20K today (assuming dividends reinvested). Over 10 years, the gap is even starker: AGM returned +491.0% versus YRD's +5.0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AGM or YRD?
By beta (market sensitivity over 5 years), Federal Agricultural Mortgage Corporation (AGM) is the lower-risk stock at 0.67β versus Yiren Digital Ltd.'s 0.95β — meaning YRD is approximately 41% more volatile than AGM relative to the S&P 500. On balance sheet safety, Yiren Digital Ltd. (YRD) carries a lower debt/equity ratio of 0% versus 18% for Federal Agricultural Mortgage Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — AGM or YRD?
Yiren Digital Ltd. (YRD) is the more profitable company, earning 27.3% net margin versus 11.3% for Federal Agricultural Mortgage Corporation — meaning it keeps 27.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: YRD leads at 28.4% versus 0.0% for AGM. At the gross margin level — before operating expenses — YRD leads at 84.8%, 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.
06Which pays a better dividend — AGM or YRD?
All stocks in this comparison pay dividends. Yiren Digital Ltd. (YRD) offers the highest yield at 10.5%, versus 5.1% for Federal Agricultural Mortgage Corporation (AGM).
07Is AGM or YRD 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 0.67), 5.1% yield, +491.0% 10Y return). Both have compounded well over 10 years (AGM: +491.0%, YRD: +5.0%), 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.
08What are the main differences between AGM and YRD?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. 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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