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Insufficient data to determine institutional momentum.
Data as of Q3 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
No trend data available for this metric.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-30 | Logan Lyle Director | Grant | 84 | $206.92 | $17k |
| 2026-09-30 | Engebretsen James R Director | Grant | 83 | $206.92 | $17k |
| 2026-09-30 | Sexton Robert G Director | Grant | 40 | $206.92 | $8k |
| 2026-09-30 | Junkins Lowell Director | Grant | 7 | $206.92 | $1k |
| 2026-09-30 | Ware Todd P Director |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
| Grant |
| 20 |
| $206.92 |
| $4k |
| 2026-09-30 | Gales Amy H Director | Grant | 97 | $206.92 | $20k |
| 2026-09-30 | Mckissack Eric T Director | Grant | 20 | $206.92 | $4k |
| 2026-08-21 | Wilcher Lajuana S Director | Gift | 225 | $0.00 | $0 |
| 2026-08-03 | 4 co-filers EVP - Chief Risk Officer | Option exercise | 939 | $120.38 | $113k |
| 2026-08-03 | 4 co-filers EVP - Chief Risk Officer | Tax withholding | 225 | $237.96 | $54k |
| 2026-08-03 | 4 co-filers EVP - Chief Risk Officer | Other | 476 | $237.96 | $113k |
| 2026-08-03 | 4 co-filers EVP - Chief Risk Officer | Option exercise | 939 | $0.00 | — |
| 2026-06-30 | Mckissack Eric T Director | Grant | 21 | $199.27 | $4k |
| 2026-06-30 | Gales Amy H Director | Grant | 101 | $199.27 | $20k |
| 2026-06-30 | Ware Todd P Director | Grant | 21 | $199.27 | $4k |
| 2026-06-30 | Sexton Robert G Director | Grant | 42 | $199.27 | $8k |
| 2026-06-30 | Engebretsen James R Director | Grant | 86 | $199.27 | $17k |
| 2026-06-30 | Logan Lyle Director | Grant | 46 | $199.27 | $9k |
| 2026-06-30 | Junkins Lowell Director | Grant | 7 | $199.27 | $1k |
| 2026-05-14 | Crawford Dale E Director | Grant | 386 | $0.00 | $0 |
| 2026-05-14 | Logan Lyle Director | Grant | 386 | $0.00 | $0 |
| 2026-03-31 | Plagge Jeffrey L. Director | Grant | 56 | $148.35 | $8k |
| 2026-03-31 | Mckissack Eric T Director | Grant | 14 | $148.35 | $2k |
| 2026-03-31 | Gales Amy H Director | Grant | 136 | $148.35 | $20k |
| 2026-03-31 | Carpenter Zachary President and COO | Tax withholding | 1,323 | $144.36 | $191k |
| 2026-03-31 | Ware Todd P Director | Grant | 28 | $148.35 | $4k |
| 2026-03-31 | Sexton Robert G Director | Grant | 56 | $148.35 | $8k |
| 2026-03-31 | Brinch Brian M EVP - Chief Risk Officer | Tax withholding | 476 | $144.36 | $69k |
| 2026-03-31 | Ramsey Gregory Principal Accounting Officer | Tax withholding | 205 | $144.36 | $30k |
| 2026-03-31 | Engebretsen James R Director | Grant | 116 | $148.35 | $17k |
| 2026-03-31 | Nordholm Bradford T Chief Executive Officer | Tax withholding | 15,949 | $144.36 | $2.3m |
| 2026-03-31 | Junkins Lowell Director | Grant | 9 | $148.35 | $1k |
| 2026-03-05 | Gales Amy H Director | Grant | 471 | $0.00 | $0 |
| 2026-03-05 | Ramsey Gregory Principal Accounting Officer | Grant | 471 | $0.00 | $0 |
| 2026-03-05 | Nordholm Bradford T Chief Executive Officer | Grant | 8,835 | $0.00 | $0 |
| 2026-03-05 | 3 co-filers EVP - CFO and Treasurer | Grant | 1,323 | $0.00 | $0 |
| 2026-03-05 | 3 co-filers President and COO | Grant | 1,398 | $0.00 | $0 |
| 2026-03-05 | 3 co-filers EVP - Chief Legal Officer | Grant | 735 | $0.00 | $0 |
| 2026-03-05 | 3 co-filers EVP - Chief Risk Officer | Grant | 633 | $0.00 | $0 |
| 2026-03-05 | Ware Todd P Director | Grant | 471 | $0.00 | $0 |
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Ranked against 14 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ENVA | $4.3B | 15.1× | 11.2× | 1.4× | 18.6% | 58.1% | 9.8% | 23.1% | 5.3% | 5.7× | 81 |
| DAVE | $4.0B | 23.4× | 20.4× | 7.3× | 59.7% | — | 35.3% | 55.5% | 55.5% | -0.4× | 47 |
| GPGI | $3.2B | — | — | 54.2× | -85.8% | 48.1% | -227% | -55.9% | -55.9% | — | 21 |
| CIFR | $3.0B | — | — | 13.5× | 48.0% | 63.7% | -367% | -102% | -23.1% | — | 79 |
| UPST | $2.2B | 51.2× | 50.6× | 2.1× | 64.0% | — | 5.1% | 6.7% | 2.0% | 17.4× | 67 |
| AGM | $2.2B | 12.2× | — | — | — | — | — | 12.1% | 0.6% | — | 48 |
| ECPG | $2.1B | 9.2× | 3.0× | 1.2× | 34.4% | — | 14.5% | 26.3% | 26.3% | -0.2× | 53 |
| CLSK | $2.0B | — | 3.9× | 2.6× | 102% | 55.2% | 47.6% | 16.8% | 12.9% | 0.9× | 79 |
| PGY | $1.6B | 20.7× | 4.7× | 1.2× | 26.1% | 42.4% | 6.3% | 17.0% | 17.0% | -0.8× | — |
| WLTH | $1.6B | — | — | 4.4× | 18.2% | 89.6% | -11.5% | -6.8% | -6.8% | — | 10 |
| ATLC | $1.4B | 15.7× | 4.9× | 0.7× | 50.1% | 91.8% | 6.2% | 20.1% | 20.1% | -3.8× | 23 |
| KEEL | $1.3B | — | — | 5.5× | 72.0% | -8.2% | -124% | -50.8% | -23.1% | — | — |
| WD | $1.2B | 21.2× | — | 1.0× | 9.0% | — | 4.6% | 3.2% | 3.2% | — | 38 |
| PWP | $1.1B | 31.3× | 14.4× | 1.5× | -14.5% | — | 4.7% | -27.9% | -27.9% | -4.2× | 19 |
| JCAP | $1.1B | 3.5× | 8.9× | 1.9× | 41.5% | — | 30.6% | 39.5% | 8.4% | 5.4× | 14 |
Peers = companies sharing AGM's sector (Federal & Federally-Sponsored Credit Agencies) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $12.9M buybacks = $12.9M returned on $80.1M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 1%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
EOD close · as of 2026-10-30
Where each multiple sits in its own 14-yr range · 93th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 12% against ROIC 1% — 11% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on AGM: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
$0 of principal comes due within a year. Scheduled principal only (excludes interest & revolver draws). As of 2026-03-31 (10-Q). The cash figure is from 2025-12-31, so the two are not the same balance-sheet date — the schedule has not been refiled since.
Interest expense isn't separately reported — often netted into “other income (expense), net.” Effective rate ~4.0% on $26.59B of debt. Interest last disclosed in FY2023 (no longer broken out).
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
Leverage and buybacks account for 11 points of the 12% return on equity in FY2025. The business earns 1% on the capital it employs; the rest is balance sheet.
ROE is on average equity; ROIC is NOPAT over average invested capital (debt plus equity less excess cash). The gap is not a single adjustment.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: positive EBIT.
Converts 2.59x of reported profit into cash — adequate, without much margin.
Reported free cash flow is $80M; after share-based compensation it is $72M. The difference is a real cost that the cash flow statement adds back.
Leverage is not measurable this way for a bank.
Ladder as of 2026-03-31 (10-Q); cash from the 2025-12-31 balance sheet; FCF from FY2025. No cash figure on the matching balance sheet, so no coverage line is drawn.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $202.16, free cash flow must compound 28.89%/yr for 10 years. It has no positive compounding record to compare against.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2022 | 85.4% | 28.9% |
| FY2023 | −53.6% | 28.9% |
| FY2024 | 61.6% | 28.9% |
| FY2025 | −86.8% | 28.9% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM (share count from the last fiscal year — the TTM window reports none).
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.
| Step | Amount | Running total |
|---|---|---|
| Net income | $207M | $207M |
| Share-based comp | $8M | $216M |
| Other non-cash & working capital | −$136M | $80M |
| Operating cash flow | $80M | $80M |
| Capex | $0 | $80M |
| Free cash flow | $80M | $80M |
| FCF after SBC | $72M | $72M |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | 0.6 percent |
| FY2020 | 0.9 percent |
| FY2021 | -1.2 percent |
| FY2022 | -2.3 percent |
| FY2023 | -0.6 percent |
| FY2024 | -1.3 percent |
| FY2025 | 0.4 percent |
SBC is added back inside operating cash flow, so reported free cash flow treats shares issued to employees as free. Percent of revenue says how expensive the payroll is; percent of operating cash flow says how much of the cash exists only because the charge was added back. The buyback offset is buybacks over SBC — below 1.0 the repurchase does not cover the shares issued.
Figures are the latest fiscal year (FY2025) from the company's own filings, not a trailing-twelve-month window — Q2 reads fiscal years throughout so the cash-conversion ratios and these share one basis. A blank is a line the filer did not report; it is never read as zero.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Selling, General & Admin | $44.6M | $38.2M | $35.0M | $29.8M | $27.5M | $22.0M | $20.3M | $19.7M | $16.0M | $15.1M |
| Interest Expense | — | — | $1.06B | $445.9M | $204.0M | $312.9M | $472.0M | $369.8M | $242.9M | $171.6M |
| Interest & Investment Income | — | $628.8M | $590.3M | $283.8M | $164.7M | $233.0M | $333.9M | $291.0M | $203.8M | — |
| Pretax Income | $255.7M | $258.1M | $253.1M | $225.7M | $172.5M | $144.7M | $138.7M | $136.0M | $130.7M | $119.4M |
| Income Tax Expense | $48.3M | $50.9M | $53.1M | $47.5M | $36.4M | $30.3M | $29.1M | $27.9M | $46.4M | $42.1M |
| Net Income | $207.4M | $207.2M | $200.0M | $178.1M | $136.1M | $114.4M | $109.5M | $108.1M | $84.5M | $77.3M |
| Per Share | ||||||||||
| EPS (Basic) | $16.73 | $16.59 | $15.97 | $14.00 | $10.36 | $8.85 | $8.76 | $8.91 | $6.73 | $6.12 |
| EPS (Diluted) | $16.62 | $16.44 | $15.81 | $13.87 | $10.27 | $8.80 | $8.69 | $8.83 | $6.60 | $5.97 |
| Weighted Avg Shares (Basic) | 10.9M | 10.9M | 10.8M | 10.8M | 10.8M | 10.7M | 10.7M | 10.7M | 10.6M | 10.5M |
| Weighted Avg Shares (Diluted) | 11.0M | 11.0M | 10.9M | 10.9M | 10.8M | 10.8M | 10.8M | 10.7M | 10.8M | 10.7M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.