ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Federal Agricultural Mortgage's annualizedNet Income for the quarter that ended in Mar. 2026 was $236.5 Mil.
Federal Agricultural Mortgage's average Total Assets over the quarter that ended in Mar. 2026 was $36,049.7 Mil. Therefore, Federal Agricultural Mortgage's annualized ROA % for the quarter that ended in Mar. 2026 was 0.66%.
The historical rank and industry rank for Federal Agricultural Mortgage's ROA % or its related term are showing as below:
AGM'
s ROA % Range Over the Past 10 Years
Min: 0.47 Med: 0.57 Max: 0.7
Current: 0.64
During the past 13 years, Federal Agricultural Mortgage's highest ROA % was 0.70%. The lowest was 0.47%. And the median was 0.57%.
AGM's ROA % is ranked worse than 67.03% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs AGM: 0.64
Federal Agricultural Mortgage (NYSE:AGM) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Federal Agricultural Mortgage ROA % Related Terms
Federal Agricultural Mortgage ROA % 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.
For the Credit Services subindustry, Federal Agricultural Mortgage's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Federal Agricultural Mortgage's ROA % distribution charts can be found below:
* The bar in red indicates where Federal Agricultural Mortgage's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Federal Agricultural Mortgage (AGM) has a ROA % of 0.66% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Federal Agricultural Mortgage and its competitors. This is 16% above median its historical median of 0.57. Over the past decade, Federal Agricultural Mortgage's ROA % has ranged from 0.47 to 0.70. According to the industry distribution chart, Federal Agricultural Mortgage ranks #366 out of 546 companies in the Credit Services industry, placing it in the top 67%.
Is Federal Agricultural Mortgage's ROA % too high?
Federal Agricultural Mortgage's current ROA % of 0.66% is 16% above median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 0.70. The Credit Services industry median ROA % is 1.93. Federal Agricultural Mortgage's value of 0.66% is 65.8% below this industry median. Based on the distribution chart, Federal Agricultural Mortgage ranks #366 out of 546 companies in the Credit Services industry, which is below the industry midpoint. 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 ROA % compare to EZPW and QFIN?
According to the Credit Services industry distribution chart, Federal Agricultural Mortgage ranks #366 out of 546 companies for ROA %. This places Federal Agricultural Mortgage in the lower half of its industry. The industry median ROA % is 1.93. Federal Agricultural Mortgage's value of 0.66% is 65.8% below this benchmark. Historically, Federal Agricultural Mortgage's own ROA % has ranged from 0.47 to 0.70 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 1.93, Federal Agricultural Mortgage has consistently been below 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Federal Agricultural Mortgage's current ROA % of 0.66% is 65.8% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Federal Agricultural Mortgage and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Federal Agricultural Mortgage's current ROA % is 0.66%, which is 16% above median its own 10-year median of 0.57. 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 $211.77, compared to a current price of $192.66 — trading 9% below its estimated fair value. The current ROA % is 0.66%, which is 16% above median its 10-year median of 0.57 and 65.8% below the Credit Services industry median of 1.93. Federal Agricultural Mortgage's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Federal Agricultural Mortgage (AGM), the current ROA % is 0.66% as of Mar. 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 $192.66 is trading 9% below its estimated GF Value™ of $211.77.
GuruFocus considers Federal Agricultural Mortgage to be Fairly Valued.
Key valuation signals for AGM:
ROA %: 0.66% (16% above median its 10-year median of 0.57)
GF Value™: $211.77 vs. price of $192.66 (9% below fair value)
Industry Position: 65.8% below the Credit Services median (#366 of 546)
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
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
Get the complete analysis for AGM
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AGM has been successfully added to your 
