WallStSmart

Federal Agricultural Mortgage Corporation (AGM-A)vsMastercard Inc (MA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mastercard Inc generates 8708% more annual revenue ($33.94B vs $385.31M). AGM-A leads profitability with a 56.3% profit margin vs 45.9%. AGM-A appears more attractively valued with a PEG of 0.65. AGM-A earns a higher WallStSmart Score of 73/100 (B).

AGM-A

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.7Quality: 3.3
Piotroski: 2/9

MA

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 10.0Value: 5.0Quality: 5.5
Piotroski: 6/9Altman Z: 4.08

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGM-A5 strengths · Avg: 9.6/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
56.3%10/10

Keeps 56 of every $100 in revenue as profit

Operating MarginProfitability
68.6%10/10

Strong operational efficiency at 68.6%

PEG RatioValuation
0.658/10

Growing faster than its price suggests

MA6 strengths · Avg: 9.7/10
Market CapQuality
$422.07B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
231.6%10/10

Every $100 of equity generates 232 in profit

Profit MarginProfitability
45.9%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
60.8%10/10

Strong operational efficiency at 60.8%

Altman Z-ScoreHealth
4.0810/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

Areas to Watch

AGM-A3 concerns · Avg: 2.3/10
Market CapQuality
$1.52B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Debt/EquityHealth
20.101/10

Elevated debt levels

MA4 concerns · Avg: 2.8/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

P/E RatioValuation
27.6x4/10

Moderate valuation

Price/BookValuation
64.8x2/10

Trading at 64.8x book value

Debt/EquityHealth
2.821/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : AGM-A

The strongest argument for AGM-A centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 56.3% and operating margin at 68.6%. Revenue growth of 14.2% demonstrates continued momentum.

Bull Case : MA

The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.

Bear Case : AGM-A

The primary concerns for AGM-A are Market Cap, Piotroski F-Score, Debt/Equity. Debt-to-equity of 20.10 is elevated, increasing financial risk.

Bear Case : MA

The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.

Key Dynamics to Monitor

AGM-A profiles as a mature stock while MA is a growth play — different risk/reward profiles.

AGM-A carries more volatility with a beta of 1.04 — expect wider price swings.

MA is growing revenue faster at 15.8% — sustainability is the question.

MA generates stronger free cash flow (2.8B), providing more financial flexibility.

Bottom Line

AGM-A scores higher overall (73/100 vs 70/100), backed by strong 56.3% margins and 14.2% revenue growth. Both earn "Strong Buy" and "Strong 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.

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Mastercard Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.

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