Nayax (NASDAQ:NYAX – Get Free Report) and Federal Agricultural Mortgage (NYSE:AGM – Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, analyst recommendations, earnings, institutional ownership, profitability, risk and dividends.
Analyst Ratings
This is a breakdown of recent ratings and price targets for Nayax and Federal Agricultural Mortgage, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Nayax | 1 | 4 | 3 | 0 | 2.25 |
| Federal Agricultural Mortgage | 0 | 1 | 1 | 1 | 3.00 |
Nayax presently has a consensus target price of $75.76, indicating a potential upside of 51.88%. Federal Agricultural Mortgage has a consensus target price of $255.00, indicating a potential upside of 6.99%. Given Nayax’s higher possible upside, research analysts plainly believe Nayax is more favorable than Federal Agricultural Mortgage.
Risk & Volatility
Profitability
This table compares Nayax and Federal Agricultural Mortgage’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Nayax | 1.74% | 14.98% | 4.49% |
| Federal Agricultural Mortgage | 29.98% | 18.90% | 0.63% |
Earnings and Valuation
This table compares Nayax and Federal Agricultural Mortgage”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Nayax | $400.43 million | 4.56 | $35.52 million | $0.79 | 63.14 |
| Federal Agricultural Mortgage | $410.30 million | 6.30 | $207.41 million | $18.31 | 13.02 |
Federal Agricultural Mortgage has higher revenue and earnings than Nayax. Federal Agricultural Mortgage is trading at a lower price-to-earnings ratio than Nayax, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
34.9% of Nayax shares are owned by institutional investors. Comparatively, 68.0% of Federal Agricultural Mortgage shares are owned by institutional investors. 1.9% of Federal Agricultural Mortgage shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Summary
Federal Agricultural Mortgage beats Nayax on 11 of the 15 factors compared between the two stocks.
About Nayax
Nayax Ltd., a fintech company, operates system and payment platform for multiple retailers in the United States, Europe, the United Kingdom, Australia, Israel, and rest of the world. The company offers AMIT 3.0, a machine-to-machine vending telemetry solution; Nayax Core, a management and monitoring software for vending machines and other unattended machines; MoMa, a mobile app for unattended machine; Tigapo back-office software suite, a cloud-based platform; EV Core, a smart, cloud-based management platform; Retail Management Cloud, a comprehensive attended retail management platform; Loyalty and Marketing Suite, a consumer engagement marketing and loyalty platform; Monyx Wallet, a digital wallet app enabling cashless payments with mobile phones; Weezmo, a consumer engagement and marketing platform; and Tigapo app, a proprietary mobile app to help family entertainment center businesses. It provides electric vehicle charging stations; VPOS Touch, a credit card reader cashless payment device; VPOS Fusion, a cashless payment card reader; ONYX, a contactless card reader and telemetry device; NOVA 156, an electronic cash register; DOT, a smart QR and barcode reader; UNO Plus and UNO 8, which are EMV and FeliCa contactless readers; EMV SOM, a PCI-PTS ready contactless EMV reader module; Nova Market, a cashless micro market and self-checkout solution; NOVA 55, an a handheld smart point of sale (POS) device; NOVA 45, a handheld mini smart terminals for attended POS; and Retail One, a universal retail solution that integrates directly with SAP. The company sells its products directly, as well as through resellers and distributors. It serves various verticals, including vending machines, coffee machines, unattended checkout counters, self-service kiosks, ticketing machines, car wash stations, gaming machines, amusement rides, laundromats, and EV charging stations. Nayax Ltd. was incorporated in 2005 and is headquartered in Herzliya, Israel.
About Federal Agricultural Mortgage
Federal Agricultural Mortgage Corporation provides a secondary market for various loans made to borrowers in the United States. It operates through four segments: Corporate AgFinance, Farm & Ranch, Rural Utilities, and Renewable Energy. The company’s Agricultural Finance line of business engages in purchasing and retaining eligible loans and securities; guaranteeing the payment of principal and interest on securities that represent interests in or obligations secured by pools of eligible loans; servicing eligible loans; and issuing LTSPCs for eligible loans. Its Rural Infrastructure Finance line of business is involved in the purchase of rural utilities loans and renewable energy loans and guarantees of securities backed by loans, as well as LTSPCs for pools of eligible rural utilities loans; by loans for electric or telecommunications facilities by lenders organized as cooperatives to borrowers; and other financial institutions that are secured by pools of eligible loans. Federal Agricultural Mortgage Corporation was incorporated in 1987 and is headquartered in Washington, the District of Columbia.
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