Comprehensive Stock Comparison
Compare Brookfield Finance Inc. 4.625% (BNH) vs Federal Agricultural Mortgage Corporation (AGM) 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 | AGM | -0.8% revenue growth vs BNH's -10.3% |
| Value | AGM | Lower P/E (8.4x vs 76.7x) |
| Quality / Margins | AGM | 11.3% net margin vs BNH's 0.7% |
| Stability / Safety | BNH | Beta 0.20 vs AGM's 0.67, lower leverage |
| Dividends | AGM | 5.1% yield, 14-year raise streak, vs BNH's 1.3% |
| Momentum (1Y) | BNH | -0.1% vs AGM's -21.7% |
| Efficiency (ROA) | AGM | 0.5% ROA vs BNH's 0.2% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Brookfield Finance is a special purpose financing vehicle that issues debt securities to raise capital for its parent company's global investment operations. It generates revenue primarily through interest income from its debt portfolio — essentially borrowing money at one rate and lending it to Brookfield entities at a higher rate. Its key advantage is the backing and credit support from Brookfield Asset Management, which provides investor confidence through the parent company's strong balance sheet and diversified global asset base.
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.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
AGM leads in 4 of 6 categories (Financial Metrics, Profitability & Efficiency). BNH leads in 1 (Risk & Volatility). 1 tied.
Financial Metrics (TTM)
BNH is the larger business by revenue, generating $86.0B annually — 53.3x AGM's $1.6B. AGM is the more profitable business, keeping 11.3% of every revenue dollar as net income compared to BNH's 0.7%.
| Metric | BNHBrookfield Financ… | AGMFederal Agricultu… |
|---|---|---|
| RevenueTrailing 12 months | $86.0B | $1.6B |
| EBITDAEarnings before interest/tax | $28.0B | $0 |
| Net IncomeAfter-tax profit | $996M | $182M |
| Free Cash FlowCash after capex | -$2.8B | $80M |
| Gross MarginGross profit ÷ Revenue | +21.0% | — |
| Operating MarginEBIT ÷ Revenue | +20.9% | — |
| Net MarginNet income ÷ Revenue | +0.7% | +11.3% |
| FCF MarginFCF ÷ Revenue | -4.0% | +5.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | -20.1% |
Valuation Metrics
At 9.5x trailing earnings, AGM trades at a 88% valuation discount to BNH's 76.7x P/E.
| Metric | BNHBrookfield Financ… | AGMFederal Agricultu… |
|---|---|---|
| Market CapShares × price | — | $1.5B |
| Enterprise ValueMkt cap + debt − cash | — | $31.4B |
| Trailing P/EPrice ÷ TTM EPS | 76.73x | 9.48x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 8.36x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.63x |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | — | 0.91x |
| Price / BookPrice ÷ Book value/share | 0.23x | 1.01x |
| Price / FCFMarket cap ÷ FCF | — | 18.36x |
Profitability & Efficiency
AGM delivers a 10.6% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $1 for BNH. BNH carries lower financial leverage with a 1.42x debt-to-equity ratio, signaling a more conservative balance sheet compared to AGM's 17.93x. On the Piotroski fundamental quality scale (0–9), BNH scores 6/9 vs AGM's 4/9, reflecting solid financial health.
| Metric | BNHBrookfield Financ… | AGMFederal Agricultu… |
|---|---|---|
| ROE (TTM)Return on equity | +0.6% | +10.6% |
| ROA (TTM)Return on assets | +0.2% | +0.5% |
| ROICReturn on invested capital | +3.4% | — |
| ROCEReturn on capital employed | +4.5% | — |
| Piotroski ScoreFundamental quality 0–9 | 6 | 4 |
| Debt / EquityFinancial leverage | 1.42x | 17.93x |
| Net DebtTotal debt minus cash | $219.7B | $29.9B |
| Cash & Equiv.Liquid assets | $15.1B | $931M |
| Total DebtShort + long-term debt | $234.8B | $30.8B |
| Interest CoverageEBIT ÷ Interest expense | 1.17x | — |
Total Returns (with DRIP)
A $10,000 investment in AGM five years ago would be worth $20,353 today (with dividends reinvested), compared to $9,352 for BNH. Over the past 12 months, BNH leads with a -0.1% total return vs AGM's -21.7%. The 3-year compound annual growth rate (CAGR) favors AGM at 7.0% vs BNH's 3.7% — a key indicator of consistent wealth creation.
| Metric | BNHBrookfield Financ… | AGMFederal Agricultu… |
|---|---|---|
| YTD ReturnYear-to-date | -0.4% | -10.6% |
| 1-Year ReturnPast 12 months | -0.1% | -21.7% |
| 3-Year ReturnCumulative with dividends | +11.5% | +22.4% |
| 5-Year ReturnCumulative with dividends | -6.5% | +103.5% |
| 10-Year ReturnCumulative with dividends | -12.8% | +491.0% |
| CAGR (3Y)Annualised 3-year return | +3.7% | +7.0% |
Risk & Volatility
BNH is the less volatile stock with a 0.20 beta — it tends to amplify market swings less than AGM's 0.67 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BNH currently trades 92.6% from its 52-week high vs AGM's 74.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BNHBrookfield Financ… | AGMFederal Agricultu… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.20x | 0.67x |
| 52-Week HighHighest price in past year | $17.12 | $210.78 |
| 52-Week LowLowest price in past year | $14.50 | $146.69 |
| % of 52W HighCurrent price vs 52-week peak | +92.6% | +74.8% |
| RSI (14)Momentum oscillator 0–100 | 50.3 | 42.9 |
| Avg Volume (50D)Average daily shares traded | 25K | 90K |
Analyst Outlook
For income investors, AGM offers the higher dividend yield at 5.15% vs BNH's 1.31%.
| Metric | BNHBrookfield Financ… | AGMFederal Agricultu… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $233.00 |
| # AnalystsCovering analysts | — | 5 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +5.1% |
| Dividend StreakConsecutive years of raises | 1 | 14 |
| Dividend / ShareAnnual DPS | $0.21 | $8.12 |
| Buyback YieldShare repurchases ÷ mkt cap | — | +0.9% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Oct 20 | Feb 26 | Change |
|---|---|---|---|
| Brookfield Finance … (BNH) | 100 | 63.74 | -36.3% |
| Federal Agricultura… (AGM) | 100 | 259.51 | +159.5% |
Federal Agricultura… (AGM) returned +104% over 5 years vs Brookfield Finance … (BNH)'s -6%. 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 |
|---|---|---|---|
| Brookfield Finance … (BNH) | $24.4B | $86.0B | +252.3% |
| Federal Agricultura… (AGM) | $332M | $1.6B | +385.1% |
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 |
|---|---|---|---|
| Brookfield Finance … (BNH) | 6.8% | 0.7% | -89.0% |
| Federal Agricultura… (AGM) | 23.3% | 11.3% | -51.4% |
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 |
|---|---|---|---|
| Brookfield Finance … (BNH) | 15.8 | 80.9 | +412.0% |
| Federal Agricultura… (AGM) | 11.9 | 10.6 | -10.9% |
Brookfield Finance Inc. 4.625% has traded in a 16x–81x P/E range over 4 years; current trailing P/E is ~77x. Federal Agricultural Mortgage Corporation has traded in a 7x–12x P/E range over 9 years; current trailing P/E is ~9x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Brookfield Finance … (BNH) | 0.69 | 0.21 | -69.9% |
| Federal Agricultura… (AGM) | 5.97 | 16.63 | +178.6% |
Federal Agricultural Mortgage Corporation's EPS grew from $5.97 (2016) to $16.63 (2025) — a 12% CAGR.
Chart 6Free Cash Flow — 5 Years
Brookfield Finance Inc. 4.625% generated $-3B FCF in 2024 (-448% vs 2021). Federal Agricultural Mortgage Corporation generated $80M FCF in 2025 (-82% vs 2021).
BNH vs AGM: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is BNH or AGM a better buy right now?
Federal Agricultural Mortgage Corporation (AGM) offers the better valuation at 9.5x trailing P/E (8.4x 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 has the better valuation — BNH or AGM?
On trailing P/E, Federal Agricultural Mortgage Corporation (AGM) is the cheapest at 9.5x versus Brookfield Finance Inc. 4.625% at 76.7x.
03Which is the better long-term investment — BNH or AGM?
Over the past 5 years, Federal Agricultural Mortgage Corporation (AGM) delivered a total return of +103.5%, compared to -6.5% for Brookfield Finance Inc. 4.625% (BNH). 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 BNH's -12.8%. 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 — BNH or AGM?
By beta (market sensitivity over 5 years), Brookfield Finance Inc. 4.625% (BNH) is the lower-risk stock at 0.20β versus Federal Agricultural Mortgage Corporation's 0.67β — meaning AGM is approximately 236% more volatile than BNH relative to the S&P 500. On balance sheet safety, Brookfield Finance Inc. 4.625% (BNH) carries a lower debt/equity ratio of 142% versus 18% for Federal Agricultural Mortgage Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — BNH or AGM?
Federal Agricultural Mortgage Corporation (AGM) is the more profitable company, earning 11.3% net margin versus 0.7% for Brookfield Finance Inc. 4.625% — meaning it keeps 11.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BNH leads at 20.9% versus 0.0% for AGM. At the gross margin level — before operating expenses — BNH leads at 21.0%, 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.
06Which pays a better dividend — BNH or AGM?
All stocks in this comparison pay dividends. Federal Agricultural Mortgage Corporation (AGM) offers the highest yield at 5.1%, versus 1.3% for Brookfield Finance Inc. 4.625% (BNH).
07Is BNH or AGM better for a retirement portfolio?
For long-horizon retirement investors, Brookfield Finance Inc. 4.625% (BNH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.20), 1.3% yield). Both have compounded well over 10 years (BNH: -12.8%, AGM: +491.0%), 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 BNH and AGM?
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. In terms of investment character: BNH is a small-cap quality compounder stock; AGM is a small-cap deep-value 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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