Federal Agricultural Mortgage (AGM.A) vs Upstart (UPST)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Federal Agricultural Mortgage (AGM.A) has outperformed Upstart (UPST) over the past year, gaining 16.4% versus a loss of 53.3%. Over five years, AGM.A leads with a +31.5% price change compared with -93.8% for UPST. Upstart is the larger company by market cap ($2.35 billion vs $1.53 billion), about 1.5 times the size.
On valuation, Federal Agricultural Mortgage trades at a lower trailing P/E (7.7x vs 48.4x for Upstart). Federal Agricultural Mortgage pays a dividend yielding 4.40%, while Upstart does not currently pay one. Federal Agricultural Mortgage converts more of its revenue into profit, with a net margin of 50.8% versus 5.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AGM.A | UPST |
|---|---|---|
| Share price | $140.87 | $24.19 |
| Market cap | $1.53B | $2.35B |
| 1-day change | 0.00% | 0.00% |
| YTD return | +6.24% | -44.68% |
| 1-year return | +16.42% | -53.27% |
| 5-year return | +31.52% | -93.80% |
| P/E ratio (TTM) | 7.71 | 48.38 |
| Forward P/E | — | 6.96 |
| EPS (TTM) | $18.28 | $0.50 |
| Dividend yield | 4.40% | 0.00% |
| Annual dividend | $6.20 | $0.00 |
| Revenue (latest FY) | $408.37M | $1.04B |
| Revenue growth (YoY) | +8.88% | +63.99% |
| Net income (latest FY) | $207.41M | $53.60M |
| Operating margin | — | 4.08% |
| Net margin | 50.79% | 5.13% |
| 52-week high | $176.00 | $55.22 |
| 52-week low | $115.00 | $22.56 |
| Distance from 52-week high | -19.96% | -56.19% |
| Analyst consensus | — | buy |
| Avg. price target upside | — | +65.36% |
| Average volume | 575 | 4.27M |
| Shares outstanding | 1.03M | 97.31M |
| Employees | 212 | 1,405 |
| Sector | Financial Services | Finance |
| Industry | Credit Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- AGM.A has outperformed UPST by 69.7 percentage points over the past year.
- Upstart trades at a higher earnings multiple (48.4x vs 7.7x trailing P/E).
- Federal Agricultural Mortgage offers a meaningfully higher dividend yield (4.40% vs 0.00%).
- Federal Agricultural Mortgage is more profitable, keeping 50.8 cents of every revenue dollar as net income versus 5.1 cents for Upstart.
- Upstart grew revenue faster in its latest fiscal year (+63.99% vs +8.88%).
- The two companies sit in different sectors: Federal Agricultural Mortgage in Financial Services and Upstart in Finance.
About Federal Agricultural Mortgage
AGM.A stock →Federal Agricultural Mortgage Corporation provides a secondary market for various loans made to borrowers in the United States. It operates through seven segments: Farm & Ranch, Corporate AgFinance, Power & Utilities, Broadband Infrastructure, Renewable Energy, Funding, and Investments.
Financial Services · Credit Services · 212 employees
About Upstart
UPST stock →Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Finance · Finance: Consumer Services · 1,405 employees
AGM.A vs UPST FAQ
Which is bigger, Federal Agricultural Mortgage or Upstart?
Upstart (UPST) is larger, with a market capitalization of $2.35B compared with $1.53B for Federal Agricultural Mortgage (AGM.A).
Which stock has performed better over the past year, AGM.A or UPST?
AGM.A returned +16.42% over the past 12 months, compared with -53.27% for UPST (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AGM.A or UPST?
AGM.A has the lower trailing P/E at 7.7, versus 48.4 for UPST. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Federal Agricultural Mortgage or Upstart?
Federal Agricultural Mortgage pays a dividend yielding 4.40%, while Upstart does not currently pay a regular dividend.
Are Federal Agricultural Mortgage and Upstart in the same industry?
No. Federal Agricultural Mortgage is in the Financial Services sector, while Upstart is in Finance.