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Federal Agricultural MortgageAGM -0.81%65 5-Year Yield-on-Cost % is 5.83 as of Jul. 22, 2026, which is 14% below its 10-year median of 6.77. GuruFocus rates AGM with a GF Scoreâ„¢ of 65/100 and a GF Valueâ„¢ of $243.80 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 211 Credit Services companies, Federal Agricultural Mortgage ranks better than 77.25% on this metric.
The historical rank and industry rank for Federal Agricultural Mortgage's 5-Year Yield-on-Cost % or its related term are showing as below:
AGM'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.28 Med: 6.77 Max: 13.25
Current: 5.83
During the past 13 years, Federal Agricultural Mortgage's highest Yield on Cost was 13.25. The lowest was 2.28. And the median was 6.77.
AGM's 5-Year Yield-on-Cost % is ranked better than 77.25% of 211
companies
in the Credit Services industry
Industry Median: 4.55
vs AGM: 5.83
Federal Agricultural Mortgage (NYSE:AGM) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Federal Agricultural Mortgage 5-Year Yield-on-Cost % Related Terms
AGM vs EZPW, ECPG, QFIN: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Federal Agricultural Mortgage's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Federal Agricultural Mortgage's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Federal Agricultural Mortgage's 5-Year Yield-on-Cost % falls into.
Federal Agricultural Mortgage 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Federal Agricultural Mortgage (AGM) has a 5-Year Yield-on-Cost % of 5.83 as of Jul. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Federal Agricultural Mortgage and its competitors. This is 14% below median its historical median of 6.77. Over the past decade, Federal Agricultural Mortgage's 5-Year Yield-on-Cost % has ranged from 2.28 to 13.25. According to the industry distribution chart, Federal Agricultural Mortgage ranks #48 out of 211 companies in the Credit Services industry, placing it in the top 22.7%.
Is Federal Agricultural Mortgage's 5-Year Yield-on-Cost % too high?
Federal Agricultural Mortgage's current 5-Year Yield-on-Cost % of 5.83 is 14% below median its 10-year median of 6.77. Over the past 10 years, this metric has ranged from a low of 2.28 to a high of 13.25. The Credit Services industry median 5-Year Yield-on-Cost % is 4.55. Federal Agricultural Mortgage's value of 5.83 is 28.1% above this industry median. Based on the distribution chart, Federal Agricultural Mortgage ranks #48 out of 211 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 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Federal Agricultural Mortgage's 5-Year Yield-on-Cost % compare to EZPW and ECPG?
According to the Credit Services industry distribution chart, Federal Agricultural Mortgage ranks #48 out of 211 companies for 5-Year Yield-on-Cost %. This places Federal Agricultural Mortgage in the top 23% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.55. Federal Agricultural Mortgage's value of 5.83 is 28.1% above this benchmark. Historically, Federal Agricultural Mortgage's own 5-Year Yield-on-Cost % has ranged from 2.28 to 13.25 over the past decade. While the company's 10-year median is 6.77 vs. the industry median of 4.55, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Federal Agricultural Mortgage's current 5-Year Yield-on-Cost % of 5.83 is 28.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Federal Agricultural Mortgage and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Federal Agricultural Mortgage's current 5-Year Yield-on-Cost % is 5.83, which is 14% below median its own 10-year median of 6.77. 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 $243.80, compared to a current price of $206.03 — trading 15.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.83, which is 14% below median its 10-year median of 6.77 and 28.1% above the Credit Services industry median of 4.55. Federal Agricultural Mortgage's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Federal Agricultural Mortgage (AGM), the current 5-Year Yield-on-Cost % is 5.83 as of Jul. 22, 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 $206.03 is trading 15.5% below its estimated GF Value™ of $243.80.
GuruFocus considers Federal Agricultural Mortgage to be Modestly Undervalued.
Key valuation signals for AGM:
5-Year Yield-on-Cost %: 5.83 (14% below median its 10-year median of 6.77)
GF Value™: $243.80 vs. price of $206.03 (15.5% below fair value)
Industry Position: 28.1% above the Credit Services median (#48 of 211)
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.
65GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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