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Federal Agricultural MortgageAGM +0.45%64 Debt-to-Equity is 19.90 as of Jun. 2026, which is 2% below its 10-year median of 20.22. GuruFocus rates AGM with a GF Score™ of 64/100 and a GF Value™ of $239.80 (Fairly Valued). The stock has 8 warning signs investors should review. Among 455 Credit Services companies, Federal Agricultural Mortgage ranks worse than 98.46% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Federal Agricultural Mortgage's Debt-to-Equity or its related term are showing as below:
AGM'
s Debt-to-Equity Range Over the Past 10 Years
Min: 18.54 Med: 20.22 Max: 32.03
Current: 19.9
During the past 13 years, the highest Debt-to-Equity Ratio of Federal Agricultural Mortgage was 32.03. The lowest was 18.54. And the median was 20.22.
AGM's Debt-to-Equity is ranked worse than 98.46% of 455
companies
in the Credit Services industry
Industry Median: 1.2
vs AGM: 19.90
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Federal Agricultural Mortgage Debt-to-Equity Related Terms
Federal Agricultural Mortgage Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Federal Agricultural Mortgage Debt-to-Equity Chart
For the Credit Services subindustry, Federal Agricultural Mortgage's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Federal Agricultural Mortgage Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Federal Agricultural Mortgage's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Federal Agricultural Mortgage's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Federal Agricultural Mortgage (AGM) has a Debt-to-Equity of 19.90 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Federal Agricultural Mortgage and its competitors. This is near median its historical median of 20.22. Over the past decade, Federal Agricultural Mortgage's Debt-to-Equity has ranged from 18.54 to 32.03. According to the industry distribution chart, Federal Agricultural Mortgage ranks #448 out of 455 companies in the Credit Services industry, placing it in the top 98.5%.
Is Federal Agricultural Mortgage's Debt-to-Equity too high?
Federal Agricultural Mortgage's current Debt-to-Equity of 19.90 is near median its 10-year median of 20.22. Over the past 10 years, this metric has ranged from a low of 18.54 to a high of 32.03. The Credit Services industry median Debt-to-Equity is 1.20. Federal Agricultural Mortgage's value of 19.90 is 1558.3% above this industry median. Based on the distribution chart, Federal Agricultural Mortgage ranks #448 out of 455 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Federal Agricultural Mortgage has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Federal Agricultural Mortgage's Debt-to-Equity compare to ECPG and EZPW?
According to the Credit Services industry distribution chart, Federal Agricultural Mortgage ranks #448 out of 455 companies for Debt-to-Equity. This places Federal Agricultural Mortgage in the lower half of its industry. The industry median Debt-to-Equity is 1.20. Federal Agricultural Mortgage's value of 19.90 is 1558.3% above this benchmark. Historically, Federal Agricultural Mortgage's own Debt-to-Equity has ranged from 18.54 to 32.03 over the past decade. While the company's 10-year median is 20.22 vs. the industry median of 1.20, Federal Agricultural Mortgage has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.20, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Federal Agricultural Mortgage's current Debt-to-Equity of 19.90 is 1558.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Federal Agricultural Mortgage and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Federal Agricultural Mortgage's current Debt-to-Equity is 19.90, which is near median its own 10-year median of 20.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Federal Agricultural Mortgage stock overvalued right now?
Based on GuruFocus' analysis, Federal Agricultural Mortgage (AGM) is currently considered Fairly Valued. The stock's GF Value™ is $239.80, compared to a current price of $232.70 — trading 3% below its estimated fair value. The current Debt-to-Equity is 19.90, which is near median its 10-year median of 20.22 and 1558.3% above the Credit Services industry median of 1.20. Federal Agricultural Mortgage's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Federal Agricultural Mortgage (AGM), the current Debt-to-Equity is 19.90 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Federal Agricultural Mortgage (AGM) Overvalued in 2026?
Based on GuruFocus' analysis, Federal Agricultural Mortgage stock appears to be undervalued.
The current stock price of $232.70 is trading 3% below its estimated GF Value™ of $239.80.
GuruFocus considers Federal Agricultural Mortgage to be Fairly Valued.
Key valuation signals for AGM:
Debt-to-Equity: 19.90 (near median its 10-year median of 20.22)
GF Value™: $239.80 vs. price of $232.70 (3% below fair value)
Industry Position: 1558.3% above the Credit Services median (#448 of 455)
No single metric tells the full story. See the AGM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Federal Agricultural Mortgage Corp provides agricultural real estate and rural housing mortgage loans in the secondary market in the U.S. Its operations consist of seven reportable segments: Farm & Ranch, which generates maximum revenue, Corporate AgFinance, Power & Utilities, Broadband Infrastructure, Renewable Energy, Funding, and Investments. The company purchases eligible mortgage loans secured by first liens on agricultural real estate and rural housing under the Farm & Ranch line of business. Its subsidiary purchases portions of certain agricultural, rural development, business and industry, and community facilities loans guaranteed by the USDA. Geographically, the company's operations are spread across different regions in the United States.
64GF Score
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