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AGM vs MA

AGM
Federal Agricultural Mortgage Corporation
NEUTRAL
Price
$171.22
Market Cap
$1.87B
Sector
Financial Services
AI Confidence
68%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AGM
10.02
MA
30.28
Forward P/E
AGM
8.9
MA
22.05
P/B Ratio
AGM
1.59
MA
57.74
P/S Ratio
AGM
4.94
MA
13.6
EV/EBITDA
AGM
--
MA
22.13

Profitability

Gross Margin
AGM
100.0%
MA
100.0%
Operating Margin
AGM
70.23%
MA
57.73%
Profit Margin
AGM
57.15%
MA
45.65%
ROE
AGM
13.72%
MA
209.91%
ROA
AGM
0.68%
MA
23.72%

Growth

Revenue Growth
AGM
11.1%
MA
17.6%
Earnings Growth
AGM
15.0%
MA
24.2%

Financial Health

Debt/Equity
AGM
18.56
MA
2.56
Current Ratio
AGM
1.6
MA
1.03
Quick Ratio
AGM
1.58
MA
0.68

Dividends

Dividend Yield
AGM
3.41%
MA
0.7%
Payout Ratio
AGM
33.62%
MA
18.4%

AI Verdict

AGM NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates borderline stability, while the absence of an Altman Z-Score prevents a clear distress risk assessment. Despite strong profitability metrics—such as a 70.23% operating margin and 57.15% profit margin—the extremely high debt/equity ratio of 18.56 raises significant leverage concerns. The stock trades below the growth-based intrinsic value of $504.15 but above the defensive Graham Number of $203.62, suggesting overvaluation for conservative investors. Earnings growth and a solid dividend yield provide support, but weak technical trend and negative insider sentiment counterbalance these positives.

Strengths
High profitability with 70.23% operating margin and 57.15% profit margin
Strong year-over-year earnings growth of 15.00% and revenue growth of 11.10%
Attractive dividend yield of 3.41% with a sustainable 33.62% payout ratio
Risks
Piotroski F-Score of 4/9 indicates weak financial health and limited resilience
Extremely high debt/equity ratio of 18.56, far above sector average of 1.64
Bearish technical trend (0/100) and declining price performance over 1Y (-9.9%)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

AGM vs MA: Head-to-Head Comparison

This page compares Federal Agricultural Mortgage Corporation (AGM) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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