Federal Agricultural Mortgage Corporation (AGM-A)vsSynchrony Financial (SYF)
AGM-A
Federal Agricultural Mortgage Corporation
$117.06
0.00%
FINANCIAL SERVICES · Cap: $1.63B
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 2520% more annual revenue ($9.76B vs $372.34M). AGM-A leads profitability with a 55.7% profit margin vs 36.4%. AGM-A appears more attractively valued with a PEG of 0.54. SYF earns a higher WallStSmart Score of 71/100 (B).
AGM-A
Buy58
out of 100
Grade: C
SYF
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-18.3%
Fair Value
$113.02
Current Price
$117.06
$4.04 premium
Margin of Safety
+59.2%
Fair Value
$178.92
Current Price
$67.63
$111.29 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 56 of every $100 in revenue as profit
Strong operational efficiency at 65.5%
Growing faster than its price suggests
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Generating 2.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 5.8%
Earnings declined 19.7%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AGM-A
The strongest argument for AGM-A centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 55.7% and operating margin at 65.5%. PEG of 0.54 suggests the stock is reasonably priced for its growth.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.5%.
Bear Case : AGM-A
The primary concerns for AGM-A are Market Cap, Piotroski F-Score, Revenue Growth. Debt-to-equity of 17.93 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AGM-A profiles as a declining stock while SYF is a value play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.41 — expect wider price swings.
SYF is growing revenue faster at 5.0% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (71/100 vs 58/100), backed by strong 36.4% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Federal Agricultural Mortgage Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Federal Agricultural Mortgage Corporation offers a secondary market for various loans made to borrowers in the United States. The company is headquartered in Washington, District of Columbia.
Visit Website →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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