AGNC vs. TOST: AGNC Investment vs. Toast Stock Comparison
How do AGNC Investment (AGNC) and Toast (TOST) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
AGNC Investment (AGNC) and Toast (TOST) both fall under the Financial Services industry group, but AGNC is classified in Mortgage Real Estate Investment Trusts (REITs) while TOST is classified in Financial Services.
Toast (TOST) is an ordinary operating company, while AGNC Investment (AGNC) is a REIT — read its payout ratio and P/E alongside FFO (funds from operations) rather than comparing them directly to TOST’s multiples.
| Profile Item | AGNC | TOST |
|---|---|---|
| Name | AGNC Investment Corp. | Toast, Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Mortgage Real Estate Investment Trusts (REITs) | Financial Services |
| GICS Sub-Industry | Mortgage REITs | Transaction & Payment Processing Services |
| Market Capitalization | 11.18 billion USD | 20.14 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | May 15, 2008 | September 22, 2021 |
| Security Type | REIT | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AGNC | TOST |
|---|---|---|
| Total Return (1Y) | -1.36% | -5.92% |
| Total Return (3Y, Annualized) | 18.48% | 35.73% |
| Total Return (5Y, Annualized) | 2.31% | -10.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AGNC | TOST |
|---|---|---|
| Volatility (1Y, Annualized) | 22.24% | 45.32% |
| Beta (5Y) | 1.37 | 1.66 |
| Max Drawdown (5Y) | -49.02% | -79.13% |
| Avg. Volume (3M) | 28.79M | 8.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AGNC | TOST |
|---|---|---|
| Sharpe Ratio (1Y) | -0.25 | -0.23 |
| Sortino Ratio (1Y) | -0.36 | -0.31 |
Profitability
ROE (TTM)
Toast (TOST) at 25.58% sits in the top ROE quartile, while AGNC Investment (AGNC) at 0.90% is in the bottom quartile, showing a clear gap in returns on equity.
AGNC
Financial Services industry group
0.90%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- AGNC
- 0.90%
- Min
- -18.71%
TOST
Financial Services industry group
25.58%
- Max
- 44.78%
- TOST
- 25.58%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
AGNC Investment (AGNC) at 43.64% retains a top-quartile share of revenue as profit, ahead of Toast (TOST) at 7.69%, which keeps about the industry-typical share.
AGNC
Financial Services industry group
43.64%
- Max
- 62.84%
- AGNC
- 43.64%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
TOST
Financial Services industry group
7.69%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- TOST
- 7.69%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
AGNC Investment (AGNC) at 102.11% carries a top-quartile operating margin, while Toast (TOST) at 8.63% operates in the bottom quartile.
AGNC
Financial Services industry group
102.11%
- Max
- 107.33%
- AGNC
- 102.11%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
TOST
Financial Services industry group
8.63%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- TOST
- 8.63%
- Min
- -44.34%
Profitability Metrics
| Metric | AGNC | TOST |
|---|---|---|
| ROE (TTM) | 0.90% | 25.58% |
| ROA (TTM) | 0.09% | 10.30% |
| Net Margin (TTM) | 43.64% | 7.69% |
| Operating Margin (TTM) | 102.11% | 8.63% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
AGNC Investment (AGNC) at 84.69% clears its industry range for revenue growth, far stronger top-line momentum than Toast (TOST) at 24.05%, which is closer to a typical peer reading.
EPS Growth
Both companies show strong earnings momentum, but Toast (TOST) at 1,766.67% is the standout with EPS growth above its industry range; AGNC Investment (AGNC) at 58.06% also sits in the top quartile.
Growth Metrics
| Metric | AGNC | TOST |
|---|---|---|
| Revenue Growth (YoY) | 84.69% | 24.05% |
| Revenue Growth (3Y CAGR) | -- | 31.10% |
| EPS Growth (YoY) | 58.06% | 1,766.67% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: AGNC Investment (AGNC) in Financial Services and Toast (TOST) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: AGNC Investment (AGNC) in Financial Services and Toast (TOST) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AGNC | TOST |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Toast (TOST) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile AGNC Investment (AGNC) reports a yield of 16.33%, ranking against industry peers normally.
AGNC
Financial Services industry group
16.33%
- AGNC
- 16.33%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
TOST
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
AGNC Investment (AGNC) reports payout ratio above 100% at 7,200.00%, meaning dividends exceeded current-period earnings; Toast (TOST) pays no dividend (payout 0.00%).
AGNC
Financial Services industry group
7,200.00%
- AGNC
- 7,200.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
TOST
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AGNC | TOST |
|---|---|---|
| Dividend Yield (TTM) | 16.33% | 0.00% |
| Dividend Payout Ratio (TTM) | 7,200.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Both look expensive on trailing earnings: Toast (TOST) at 38.10 sits in the richer P/E ratio quartile, and AGNC Investment (AGNC) at 439.00 is richer still, above its industry range.
AGNC
Financial Services industry group
439.00
- AGNC
- 439.00
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
TOST
Financial Services industry group
38.10
- Max
- 45.85
- TOST
- 38.10
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Toast (TOST) at 2.82 prices around its industry’s typical P/S ratio, while AGNC Investment (AGNC) at 47.39 clears its benchmark range — AGNC looks notably rich on sales.
AGNC
Financial Services industry group
47.39
- AGNC
- 47.39
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
TOST
Financial Services industry group
2.82
- Max
- 9.23
- Q3
- 4.57
- TOST
- 2.82
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
AGNC Investment (AGNC) at 1.15 sits near its industry’s typical P/B ratio, while Toast (TOST) at 8.79 prices above its benchmark range — TOST looks rich relative to book.
AGNC
Financial Services industry group
1.15
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- AGNC
- 1.15
- Q1
- 0.81
- Min
- -0.39
TOST
Financial Services industry group
8.79
- TOST
- 8.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AGNC | TOST |
|---|---|---|
| P/E Ratio (TTM) | 439.00 | 38.10 |
| P/S Ratio (TTM) | 47.39 | 2.82 |
| P/B Ratio (MRQ) | 1.15 | 8.79 |
| Free Cash Flow Yield (TTM) | -- | -- |