Comprehensive Stock Comparison
Compare Sentage Holdings Inc. (SNTG) 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 SNTG's -26.6% |
| Quality / Margins | AGM | 11.3% net margin vs SNTG's -18.6% |
| Stability / Safety | AGM | Beta 0.67 vs SNTG's 1.31 |
| Dividends | AGM | 5.1% yield; 14-year raise streak; SNTG pays no meaningful dividend |
| Momentum (1Y) | SNTG | +0.5% vs AGM's -21.7% |
| Efficiency (ROA) | AGM | 0.5% ROA vs SNTG's -32.5% |
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
Sentage Holdings is a Chinese financial services company that provides consumer loan repayment and collection management, loan recommendation, and prepaid payment network services. It generates revenue primarily through service fees from its loan management and payment processing operations — with its loan recommendation and collection services likely being the core revenue drivers. The company's competitive advantage lies in its integrated platform that connects borrowers, lenders, and payment networks within China's specialized 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
AGM leads in 3 of 6 categories (Financial Metrics, Total Returns). SNTG leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
AGM is the larger business by revenue, generating $1.6B annually — 14996.7x SNTG's $107,507. AGM is the more profitable business, keeping 11.3% of every revenue dollar as net income compared to SNTG's -18.6%.
| Metric | SNTGSentage Holdings … | AGMFederal Agricultu… |
|---|---|---|
| RevenueTrailing 12 months | $107,507 | $1.6B |
| EBITDAEarnings before interest/tax | -$3M | $0 |
| Net IncomeAfter-tax profit | -$4M | $182M |
| Free Cash FlowCash after capex | -$3M | $80M |
| Gross MarginGross profit ÷ Revenue | +92.5% | — |
| Operating MarginEBIT ÷ Revenue | -16.2% | — |
| Net MarginNet income ÷ Revenue | -18.6% | +11.3% |
| FCF MarginFCF ÷ Revenue | -16.3% | +5.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +27.7% | -20.1% |
Valuation Metrics
| Metric | SNTGSentage Holdings … | AGMFederal Agricultu… |
|---|---|---|
| Market CapShares × price | $5M | $1.5B |
| Enterprise ValueMkt cap + debt − cash | $4M | $31.4B |
| Trailing P/EPrice ÷ TTM EPS | -2.69x | 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 | 49.84x | 0.91x |
| Price / BookPrice ÷ Book value/share | 0.52x | 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 $-38 for SNTG. SNTG carries lower financial leverage with a 0.01x 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 SNTG's 3/9, reflecting mixed financial health.
| Metric | SNTGSentage Holdings … | AGMFederal Agricultu… |
|---|---|---|
| ROE (TTM)Return on equity | -38.5% | +10.6% |
| ROA (TTM)Return on assets | -32.5% | +0.5% |
| ROICReturn on invested capital | -11.3% | — |
| ROCEReturn on capital employed | -14.5% | — |
| Piotroski ScoreFundamental quality 0–9 | 3 | 4 |
| Debt / EquityFinancial leverage | 0.01x | 17.93x |
| Net DebtTotal debt minus cash | -$1M | $29.9B |
| Cash & Equiv.Liquid assets | $1M | $931M |
| Total DebtShort + long-term debt | $146,599 | $30.8B |
| 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 $3,820 for SNTG. Over the past 12 months, SNTG leads with a +0.5% total return vs AGM's -21.7%. The 3-year compound annual growth rate (CAGR) favors AGM at 7.0% vs SNTG's -2.3% — a key indicator of consistent wealth creation.
| Metric | SNTGSentage Holdings … | AGMFederal Agricultu… |
|---|---|---|
| YTD ReturnYear-to-date | -4.0% | -10.6% |
| 1-Year ReturnPast 12 months | +0.5% | -21.7% |
| 3-Year ReturnCumulative with dividends | -6.8% | +22.4% |
| 5-Year ReturnCumulative with dividends | -61.8% | +103.5% |
| 10-Year ReturnCumulative with dividends | -61.8% | +491.0% |
| CAGR (3Y)Annualised 3-year return | -2.3% | +7.0% |
Risk & Volatility
AGM is the less volatile stock with a 0.67 beta — it tends to amplify market swings less than SNTG's 1.31 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 SNTG's 15.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SNTGSentage Holdings … | AGMFederal Agricultu… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.31x | 0.67x |
| 52-Week HighHighest price in past year | $12.70 | $210.78 |
| 52-Week LowLowest price in past year | $1.43 | $146.69 |
| % of 52W HighCurrent price vs 52-week peak | +15.0% | +74.8% |
| RSI (14)Momentum oscillator 0–100 | 45.1 | 42.9 |
| Avg Volume (50D)Average daily shares traded | 16K | 90K |
Analyst Outlook
AGM is the only dividend payer here at 5.15% yield — a key consideration for income-focused portfolios.
| Metric | SNTGSentage Holdings … | 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 | Jul 21 | Feb 26 | Change |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 100 | 44.2 | -55.8% |
| Federal Agricultura… (AGM) | 100 | 177.37 | +77.4% |
Federal Agricultura… (AGM) returned +104% over 5 years vs Sentage Holdings In… (SNTG)'s -62%. 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 |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | $6M | $107507.00 | -98.3% |
| 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 |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 18.1% | -18.6% | -203.2% |
| 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 |
|---|---|---|---|
| Sentage Holdings In… (SNTG) | 0.41 | -0.71 | -273.2% |
| 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
Sentage Holdings Inc. generated $-2M FCF in 2024 (-334% vs 2021). Federal Agricultural Mortgage Corporation generated $80M FCF in 2025 (-82% vs 2021).
SNTG vs AGM: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is SNTG 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 — SNTG or AGM?
Over the past 5 years, Federal Agricultural Mortgage Corporation (AGM) delivered a total return of +103.5%, compared to -61.8% for Sentage Holdings Inc. (SNTG). 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 SNTG's -61.8%. 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 — SNTG or AGM?
By beta (market sensitivity over 5 years), Federal Agricultural Mortgage Corporation (AGM) is the lower-risk stock at 0.67β versus Sentage Holdings Inc.'s 1.31β — meaning SNTG is approximately 96% more volatile than AGM relative to the S&P 500. On balance sheet safety, Sentage Holdings Inc. (SNTG) carries a lower debt/equity ratio of 1% versus 18% for Federal Agricultural Mortgage Corporation — giving it more financial flexibility in a downturn.
04Which has better profit margins — SNTG or AGM?
Federal Agricultural Mortgage Corporation (AGM) is the more profitable company, earning 11.3% net margin versus -1864.8% for Sentage Holdings Inc. — 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 -1615.2% for SNTG. At the gross margin level — before operating expenses — SNTG leads at 92.5%, 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 — SNTG or AGM?
In this comparison, AGM (5.1% yield) pays a dividend. SNTG does not pay a meaningful dividend and should not be held primarily for income.
06Is SNTG 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%, SNTG: -61.8%), 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 SNTG 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: SNTG is a small-cap quality compounder stock; AGM is a small-cap deep-value stock. AGM pays a dividend while SNTG 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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