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Side-by-side financial comparison of FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
FEDERAL AGRICULTURAL MORTGAGE CORP is the larger business by last-quarter revenue ($107.5M vs $78.6M, roughly 1.4× Repay Holdings Corp). On growth, FEDERAL AGRICULTURAL MORTGAGE CORP posted the faster year-over-year revenue change (6.1% vs 0.4%). Over the past eight quarters, FEDERAL AGRICULTURAL MORTGAGE CORP's revenue compounded faster (7.1% CAGR vs -1.3%).
The Federal Agricultural Mortgage Corporation, also known as Farmer Mac, is a stockholder-owned, federally chartered corporation established by the U.S. Congress in 1988 under the Agricultural Credit Act of 1987. It was created to establish a secondary market for agricultural real estate and housing mortgage loans, to increase liquidity and the availability of long-term, stable credit for farmers, ranchers, and rural communities.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
AGM vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $107.5M | $78.6M |
| Net Profit | — | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 56.3% | -182.2% |
| Net Margin | — | -178.3% |
| Revenue YoY | 6.1% | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | $3.69 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $107.5M | $78.6M | ||
| Q3 25 | $104.0M | $77.7M | ||
| Q2 25 | $102.6M | $75.6M | ||
| Q1 25 | $94.3M | $77.3M | ||
| Q4 24 | $101.3M | $78.3M | ||
| Q3 24 | $90.3M | $79.1M | ||
| Q2 24 | $89.9M | $74.9M | ||
| Q1 24 | $93.7M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $55.0M | $-6.4M | ||
| Q2 25 | $54.8M | $-102.3M | ||
| Q1 25 | $49.7M | $-7.9M | ||
| Q4 24 | $56.5M | $-4.1M | ||
| Q3 24 | $49.8M | $3.2M | ||
| Q2 24 | $47.1M | $-4.1M | ||
| Q1 24 | $53.7M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 56.3% | -182.2% | ||
| Q3 25 | 64.1% | -3.9% | ||
| Q2 25 | 63.8% | -138.7% | ||
| Q1 25 | 66.9% | -4.7% | ||
| Q4 24 | 67.5% | -1.5% | ||
| Q3 24 | 69.0% | -0.9% | ||
| Q2 24 | 65.9% | -4.6% | ||
| Q1 24 | 72.8% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | 52.9% | -8.3% | ||
| Q2 25 | 53.4% | -135.2% | ||
| Q1 25 | 52.6% | -10.3% | ||
| Q4 24 | 55.8% | -5.3% | ||
| Q3 24 | 55.2% | 4.1% | ||
| Q2 24 | 52.4% | -5.4% | ||
| Q1 24 | 57.4% | -6.5% |
| Q4 25 | $3.69 | $-1.68 | ||
| Q3 25 | $4.44 | $-0.08 | ||
| Q2 25 | $4.48 | $-1.15 | ||
| Q1 25 | $4.01 | $-0.09 | ||
| Q4 24 | $4.62 | $-0.04 | ||
| Q3 24 | $3.86 | $0.03 | ||
| Q2 24 | $3.68 | $-0.04 | ||
| Q1 24 | $4.28 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | $30.8B | $280.1M |
| Stockholders' EquityBook value | $1.7B | $484.4M |
| Total Assets | $35.4B | $1.2B |
| Debt / EquityLower = less leverage | 17.93× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | $842.1M | $168.7M | ||
| Q2 24 | $923.0M | $147.1M | ||
| Q1 24 | $745.1M | $128.3M |
| Q4 25 | $30.8B | $280.1M | ||
| Q3 25 | $29.2B | $279.5M | ||
| Q2 25 | $28.9B | $279.0M | ||
| Q1 25 | $28.0B | $497.6M | ||
| Q4 24 | $27.5B | $496.8M | ||
| Q3 24 | $27.2B | $496.2M | ||
| Q2 24 | $26.8B | $435.6M | ||
| Q1 24 | $26.8B | $434.9M |
| Q4 25 | $1.7B | $484.4M | ||
| Q3 25 | $1.7B | $616.9M | ||
| Q2 25 | $1.5B | $633.7M | ||
| Q1 25 | $1.5B | $755.7M | ||
| Q4 24 | $1.5B | $761.3M | ||
| Q3 24 | $1.5B | $754.7M | ||
| Q2 24 | $1.5B | $815.4M | ||
| Q1 24 | $1.5B | $813.8M |
| Q4 25 | $35.4B | $1.2B | ||
| Q3 25 | $33.4B | $1.3B | ||
| Q2 25 | $33.0B | $1.4B | ||
| Q1 25 | $31.8B | $1.5B | ||
| Q4 24 | $31.3B | $1.6B | ||
| Q3 24 | $30.6B | $1.6B | ||
| Q2 24 | $30.2B | $1.5B | ||
| Q1 24 | $29.8B | $1.5B |
| Q4 25 | 17.93× | 0.58× | ||
| Q3 25 | 17.31× | 0.45× | ||
| Q2 25 | 18.70× | 0.44× | ||
| Q1 25 | 18.39× | 0.66× | ||
| Q4 24 | 18.48× | 0.65× | ||
| Q3 24 | 18.60× | 0.66× | ||
| Q2 24 | 17.87× | 0.53× | ||
| Q1 24 | 18.11× | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $80.1M | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | 0.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $80.1M | $23.3M | ||
| Q3 25 | $74.2M | $32.2M | ||
| Q2 25 | $-47.7M | $33.1M | ||
| Q1 25 | $-49.8M | $2.5M | ||
| Q4 24 | $612.6M | $34.3M | ||
| Q3 24 | $-44.4M | $60.1M | ||
| Q2 24 | $56.1M | $31.0M | ||
| Q1 24 | $233.3M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | $607.4M | $34.0M | ||
| Q3 24 | $-44.4M | $59.8M | ||
| Q2 24 | $52.6M | $30.5M | ||
| Q1 24 | $231.7M | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | 599.8% | 43.5% | ||
| Q3 24 | -49.2% | 75.6% | ||
| Q2 24 | 58.5% | 40.7% | ||
| Q1 24 | 247.3% | 30.6% |
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.0% | 0.2% | ||
| Q2 25 | 0.0% | 0.1% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 5.2% | 0.3% | ||
| Q3 24 | 0.1% | 0.3% | ||
| Q2 24 | 4.0% | 0.6% | ||
| Q1 24 | 1.7% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 1.35× | — | ||
| Q2 25 | -0.87× | — | ||
| Q1 25 | -1.00× | — | ||
| Q4 24 | 10.84× | — | ||
| Q3 24 | -0.89× | 18.52× | ||
| Q2 24 | 1.19× | — | ||
| Q1 24 | 4.34× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AGM
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
