AGM (Federal Agricultural Mortgage) Moat Score: 7/10 (As of Jul. 02, 2026)


AGM Federal Agricultural Mortgage Corp AGM
62 GF Score
Price $203.11
GF Value $240.40
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Federal Agricultural Mortgage Moat Score?

Federal Agricultural Mortgage AGM +1.93% 62 Moat Score is 7 as of Jul. 02, 2026. GuruFocus rates AGM with a GF Score™ of 62/100 and a GF Value™ of $240.40 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 566 Credit Services companies, Federal Agricultural Mortgage ranks better than 99.12% on this metric.

Federal Agricultural Mortgage has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Federal Agricultural Mortgage has Wide Moat: AGM possesses a wide moat due to its significant regulatory barriers, strong distribution network, and durable cost advantages in agricultural finance. Its market leadership and pricing power are clearly identifiable and durable.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Federal Agricultural Mortgage might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Federal Agricultural Mortgage  (NYSE:AGM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Federal Agricultural Mortgage Moat Score Related Terms

AGM vs EZPW, ECPG, QFIN: Moat Score Comparison

For the Credit Services subindustry, Federal Agricultural Mortgage's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Federal Agricultural Mortgage's Moat Score distribution charts can be found below:

* The bar in red indicates where Federal Agricultural Mortgage's Moat Score falls into.


AGM
62GF Score
Federal Agricultural Mortgage Corp AGM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
Federal Agricultural Mortgage (AGM) has a Moat Score of 7 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Federal Agricultural Mortgage ranks #5 out of 566 companies in the Credit Services industry, placing it in the top 0.90000000000001%.
Is Federal Agricultural Mortgage's Moat Score too high?
Federal Agricultural Mortgage's current Moat Score is 7. Based on the distribution chart, Federal Agricultural Mortgage ranks #5 out of 566 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Federal Agricultural Mortgage has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Federal Agricultural Mortgage's Moat Score compare to EZPW and ECPG?
According to the Credit Services industry distribution chart, Federal Agricultural Mortgage ranks #5 out of 566 companies for Moat Score. This places Federal Agricultural Mortgage in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Federal Agricultural Mortgage's current Moat Score is 7. 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 Modestly Undervalued. The stock's GF Value™ is $240.40, compared to a current price of $203.11 — trading 15.5% below its estimated fair value. The current Moat Score is 7. Federal Agricultural Mortgage's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Federal Agricultural Mortgage (AGM), the current Moat Score is 7 as of Jul. 02, 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 $203.11 is trading 15.5% below its estimated GF Value™ of $240.40. GuruFocus considers Federal Agricultural Mortgage to be Modestly Undervalued.

Key valuation signals for AGM:

  • Moat Score: 7
  • GF Value™: $240.40 vs. price of $203.11 (15.5% below fair value)
  • GF Score™: 62/100 with 5 warning signs

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 Business Description

Address 2100 Pennsylvania Avenue NW, Suite 450 N, Washington, DC, USA, 20037
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.
62GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$203.11
Price
$240.40
GF Value