Is AGNC or AGNCL more undervalued in 2026?

CirclFi compares AGNC Investment Corp. (AGNC) and AGNC Investment Corp. - Deposit (AGNCL) using 13 institutional-grade valuation models. AGNC has a Quality of Company score of 7.4/10 while AGNCL scores 7.0/10.

Which is a better buy — AGNC or AGNCL?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AGNC and AGNCL valuations compare?

AGNC at $10.41 and AGNCL at $25.07 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AGNC vs AGNCL Valuation Comparison 2026 — Intrinsic Value Analysis

AGNC

REIT - Mortgage

AGNC Investment Corp.

Quality

7.4

out of 10

Value Trap

SAFE

Price

$10.41

Last close

Models

11/13

Active

AGNCL

REIT - Mortgage

AGNC Investment Corp. - Deposit

Quality

7.0

out of 10

Value Trap

SAFE

Price

$25.07

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	AGNC Fair Value	AGNC Upside	AGNCL Fair Value	AGNCL Upside
Bayesian DCF	Intrinsic	$7.92	-23.9%	$7.26	-71.0%
Earnings Power Value	Intrinsic	$2.58	-75.2%	$2.93	-88.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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AGNC vs AGNCL — Which Stock Is More Undervalued?

AGNC scores higher with a 7.4/10 quality rating vs AGNCL's 7.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing AGNC Investment Corp. (AGNC) and AGNC Investment Corp. - Deposit (AGNCL) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AGNC currently trades at $10.41 with a QOC of 7.4/10, while AGNCL trades at $25.07 with a QOC of 7.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).