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AGNC Investment

AGNCN
31
REIT - Mortgage · Real Estate
Price
$25.83
+0.03 (+0.12%)
Market Cap
$8.87B
Exchange
NASDAQ Global Select
Winston Score
31
Winston is serious
Below-average fundamentals — multiple weak pillars.
Data as of Sep 8, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Weak
Growth
Good
Cash Flow
Good
Stability
Weak
Valuation
Good
Dividends
Good
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Share count rising — dilution

+93.2% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 530.0M (2021) → 1.02B (2025)

§Winston Score History

The full picture

AGNC Investment Corp. is a real estate investment trust (REIT) that invests in mortgage-backed securities — bundles of home loans that are guaranteed by U.S. government agencies like Fannie Mae and Freddie Mac. It does not own buildings or lend directly to homebuyers. Instead, it buys these mortgage bonds and earns income from them.

AGNC makes money from the difference between the interest it earns on its mortgage bonds and the cost of borrowing money to buy them. It uses significant leverage (borrowed money) to amplify returns and pays out most of its earnings as dividends to shareholders. The company operates entirely in the United States and is one of the largest agency mortgage REITs by market capitalization. Note that AGNCN is a preferred stock series of AGNC, paying a fixed dividend. The key risk is interest rate volatility — when rates move sharply, AGNC's book value and earnings spread can swing significantly.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-100.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+405.9% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (1%)

Research and development spending

Insider Activity

0.8%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$100.5B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

AGNC Investment's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
N/A
Data not available
Profit after running costs
Operating Margin
N/A
Data not available
Return on the money invested
ROCE
3.4%
Weak — 3.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth
Sales YoY
>+1,000%
Fast-growing sales (>+1,000% YoY)
Profit growth
EPS YoY
+488.1%
Earnings growing fast (+488.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash
Cash Conversion
40%
Weak — only 40% of profit becomes cash
Spare cash per sale
FCF Margin
28.7%
Converts sales into free cash efficiently (28.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns
Debt / Equity
7.16
Heavy debt load (7.16)
Covers its interest
Interest Cover
1.19x
Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit
P/E Ratio (TTM)
5.4x
Attractive valuation — P/E 5.4

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-1.2
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
8.86%
Healthy income — 8.86% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
-7.4%
Dividend cut (-7.4% YoY) — warning sign

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