Comprehensive Stock Comparison
Compare Pintec Technology Holdings Limited (PT) 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 PT's -33.3% |
| Quality / Margins | AGM | 11.3% net margin vs PT's -44.0% |
| Stability / Safety | PT | Beta 0.53 vs AGM's 0.67 |
| Dividends | AGM | 5.1% yield; 14-year raise streak; PT pays no meaningful dividend |
| Momentum (1Y) | PT | -5.7% vs AGM's -21.7% |
| Efficiency (ROA) | AGM | 0.5% ROA vs PT's -12.4% |
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
Pintec Technology operates a digital platform connecting Chinese financial institutions with borrowers and investors. It generates revenue primarily through technology service fees from loan facilitation (roughly 70% of revenue) and wealth management product distribution fees (around 30%). The company's key advantage is its proprietary AI-driven risk assessment technology and extensive partner network within China's financial ecosystem.
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.
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
PT leads in 2 of 6 categories (Profitability & Efficiency, Total Returns). AGM leads in 1 (Financial Metrics). 2 tied.
Financial Metrics (TTM)
AGM is the larger business by revenue, generating $1.6B annually — 45.9x PT's $35M. AGM is the more profitable business, keeping 11.3% of every revenue dollar as net income compared to PT's -44.0%.
| Metric | PTPintec Technology… | AGMFederal Agricultu… |
|---|---|---|
| RevenueTrailing 12 months | $35M | $1.6B |
| EBITDAEarnings before interest/tax | -$6M | $0 |
| Net IncomeAfter-tax profit | -$12M | $182M |
| Free Cash FlowCash after capex | $0 | $80M |
| Gross MarginGross profit ÷ Revenue | +63.5% | — |
| Operating MarginEBIT ÷ Revenue | -40.1% | — |
| Net MarginNet income ÷ Revenue | -44.0% | +11.3% |
| FCF MarginFCF ÷ Revenue | -42.6% | +5.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +37.0% | -20.1% |
Valuation Metrics
| Metric | PTPintec Technology… | AGMFederal Agricultu… |
|---|---|---|
| Market CapShares × price | $48M | $1.5B |
| Enterprise ValueMkt cap + debt − cash | $45M | $31.4B |
| Trailing P/EPrice ÷ TTM EPS | -0.19x | 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 | 9.47x | 0.91x |
| Price / BookPrice ÷ Book value/share | — | 1.01x |
| Price / FCFMarket cap ÷ FCF | — | 18.36x |
Profitability & Efficiency
| Metric | PTPintec Technology… | AGMFederal Agricultu… |
|---|---|---|
| ROE (TTM)Return on equity | — | +10.6% |
| ROA (TTM)Return on assets | -12.4% | +0.5% |
| ROICReturn on invested capital | — | — |
| ROCEReturn on capital employed | — | — |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | — | 17.93x |
| Net DebtTotal debt minus cash | -$22M | $29.9B |
| Cash & Equiv.Liquid assets | $27M | $931M |
| Total DebtShort + long-term debt | $5M | $30.8B |
| Interest CoverageEBIT ÷ Interest expense | -613.85x | — |
Total Returns (with DRIP)
A $10,000 investment in AGM five years ago would be worth $20,353 today (with dividends reinvested), compared to $1,269 for PT. Over the past 12 months, PT leads with a -5.7% total return vs AGM's -21.7%. The 3-year compound annual growth rate (CAGR) favors PT at 22.3% vs AGM's 7.0% — a key indicator of consistent wealth creation.
| Metric | PTPintec Technology… | AGMFederal Agricultu… |
|---|---|---|
| YTD ReturnYear-to-date | +1.3% | -10.6% |
| 1-Year ReturnPast 12 months | -5.7% | -21.7% |
| 3-Year ReturnCumulative with dividends | +83.1% | +22.4% |
| 5-Year ReturnCumulative with dividends | -87.3% | +103.5% |
| 10-Year ReturnCumulative with dividends | -98.5% | +491.0% |
| CAGR (3Y)Annualised 3-year return | +22.3% | +7.0% |
Risk & Volatility
PT is the less volatile stock with a 0.53 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. AGM currently trades 74.8% from its 52-week high vs PT's 69.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PTPintec Technology… | AGMFederal Agricultu… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 0.67x |
| 52-Week HighHighest price in past year | $1.38 | $210.78 |
| 52-Week LowLowest price in past year | $0.82 | $146.69 |
| % of 52W HighCurrent price vs 52-week peak | +69.0% | +74.8% |
| RSI (14)Momentum oscillator 0–100 | 51.2 | 42.9 |
| Avg Volume (50D)Average daily shares traded | 62K | 90K |
Analyst Outlook
AGM is the only dividend payer here at 5.15% yield — a key consideration for income-focused portfolios.
| Metric | PTPintec Technology… | AGMFederal Agricultu… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $233.00 |
| # AnalystsCovering analysts | — | 5 |
| Dividend YieldAnnual dividend ÷ price | — | +5.1% |
| Dividend StreakConsecutive years of raises | — | 14 |
| Dividend / ShareAnnual DPS | — | $8.12 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.9% |
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 |
|---|---|---|---|
| Pintec Technology H… (PT) | 100 | 8.17 | -91.8% |
| Federal Agricultura… (AGM) | 100 | 226.38 | +126.4% |
Federal Agricultura… (AGM) returned +104% over 5 years vs Pintec Technology H… (PT)'s -87%. 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 |
|---|---|---|---|
| Pintec Technology H… (PT) | $55M | $35M | -36.0% |
| 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 |
|---|---|---|---|
| Pintec Technology H… (PT) | -3.7% | -44.0% | -1103.6% |
| 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 |
|---|---|---|---|
| Federal Agricultura… (AGM) | 11.9 | 10.6 | -10.9% |
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 |
|---|---|---|---|
| Pintec Technology H… (PT) | -4,286.45 | -34.3 | +99.2% |
| 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
Pintec Technology Holdings Limited generated $-15M FCF in 2024 (+54% vs 2021). Federal Agricultural Mortgage Corporation generated $80M FCF in 2025 (-82% vs 2021).
PT vs AGM: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is PT 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 is the better long-term investment — PT or AGM?
Over the past 5 years, Federal Agricultural Mortgage Corporation (AGM) delivered a total return of +103.5%, compared to -87.3% for Pintec Technology Holdings Limited (PT). 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 PT's -98.5%. 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 — PT or AGM?
By beta (market sensitivity over 5 years), Pintec Technology Holdings Limited (PT) is the lower-risk stock at 0.53β versus Federal Agricultural Mortgage Corporation's 0.67β — meaning AGM is approximately 26% more volatile than PT relative to the S&P 500.
04Which has better profit margins — PT or AGM?
Federal Agricultural Mortgage Corporation (AGM) is the more profitable company, earning 11.3% net margin versus -44.0% for Pintec Technology Holdings Limited — meaning it keeps 11.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AGM leads at 0.0% versus -40.1% for PT. At the gross margin level — before operating expenses — PT leads at 63.5%, 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.
05Which pays a better dividend — PT or AGM?
In this comparison, AGM (5.1% yield) pays a dividend. PT does not pay a meaningful dividend and should not be held primarily for income.
06Is PT or AGM 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%, PT: -98.5%), 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.
07What are the main differences between PT 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: PT is a small-cap quality compounder stock; AGM is a small-cap deep-value stock. AGM pays a dividend while PT does not, making them suitable for different income and tax situations. 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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