agnc stock dividend guide

AGNC stock dividend

As of January 31, 2026, per AGNC Investment Corp. investor relations press releases, AGNC declared $0.12 per common share for November 2025, December 2025 and January 2026. This article explains the agnc stock dividend in plain language, showing how AGNC’s monthly dividend practice works, recent declaration context, key dividend metrics (including an annualized figure when monthly payments are $0.12), and practical considerations for shareholders who track or receive AGNC dividends.

Background on AGNC Investment Corp.

AGNC Investment Corp. (ticker AGNC) is an agency mortgage real estate investment trust (REIT) that primarily invests in agency residential mortgage-backed securities (Agency RMBS). Agency RMBS are securities guaranteed by U.S. government-sponsored entities; because these securities carry agency guarantees, AGNC’s portfolio credit risk profile differs from non‑agency mortgage investments.

As a REIT, AGNC is required under U.S. tax rules to distribute the majority of taxable income to shareholders as dividends to maintain REIT tax treatment. That corporate structure is central to why AGNC historically emphasizes a dividend-focused distribution policy. The company finances holdings and periodic leverage largely via repurchase agreements and other secured financing, seeking to earn net interest income from the spread between asset yields and cost of funds.

Dividend policy and declaration process

The agnc stock dividend is typically declared on a discretionary, month‑by‑month basis by AGNC’s board of directors. Key points about the declaration process:

• Board discretion: The board reviews earnings, net interest income, asset valuations, liquidity and market conditions when deciding whether to declare a cash dividend and what amount to set.
• Frequency: AGNC has historically announced dividends on a monthly cadence for common shares, with separate declarations possible for preferred issuances.
• Typical timeline: For each declared monthly dividend there are four dates to note — declaration date (when the board announces), ex-dividend date (the last day to buy to be eligible), record date (when shareholders of record are identified), and pay date (when cash is distributed).
• Announcement channels: AGNC issues formal press releases via its investor relations channel and files relevant disclosures with the SEC. For exact dates and amounts, the company’s investor relations materials are the authoritative source.

Because each monthly dividend is a separate board decision, past payment history is informative but not a guarantee of future declarations.

Common practice for monthly cadence

AGNC commonly uses a consistent monthly schedule in which a declaration is made several weeks before the pay date, with ex-dividend and record dates explicit in the press release. Market participants and dividend trackers typically list the ex-dividend date and pay date soon after the company announcement.

Common vs. preferred dividends

Understanding the difference matters when tracking payments or considering investment exposure:

• Common dividends: AGNC’s common shares have been paid monthly in cash historically. The agnc stock dividend reference usually points to these common-share monthly cash distributions.
• Preferred dividends: AGNC also has one or more series of preferred stock. Preferred dividends are typically specified by their own terms (fixed or floating rates) and may be declared and paid separately from common dividends. Preferred shares often have priority over common shares for distribution payments, meaning if the company limits distributions, preferred holders are paid first according to their terms.

Investors should check the specific preferred series’ prospectus or the company’s disclosures to confirm dividend rate, compounding, and whether payments are cumulative.

Dividend history and recent declarations

AGNC has a long record of monthly distributions to common shareholders, though payment levels have varied over time due to market and portfolio dynamics. The company’s investor relations press releases are the authoritative source for each month’s declared amount and the corresponding dates.

As of January 31, 2026, per AGNC investor relations press releases, AGNC declared a common-share dividend of $0.12 per share for the following months:

• November 2025 — $0.12 per common share (announced in company press release)
• December 2025 — $0.12 per common share (announced in company press release)
• January 2026 — $0.12 per common share (announced in company press release)

These recent declarations (each $0.12) imply an annualized rate of $1.44 per common share if the monthly level were maintained for 12 months. Dividend-data aggregators and market-data providers tracked these declarations and reported dividend yields in the high single digits to low double digits range for AGNC around the same reporting period; see the Dividend metrics section below for details and caveats.

Historical table (sample of recent months)

Below is a recommended month‑by‑month table format. For the most accurate ex-dividend, record and payment dates, consult AGNC’s investor relations press releases and dividend-history page. The table here lists the announced per-share amounts for the months specifically confirmed in AGNC press releases referenced above.

| Month | Declaration (per common share) | Note | |---|---:|---| | November 2025 | $0.12 | AGNC press release (investor relations) | | December 2025 | $0.12 | AGNC press release (investor relations) | | January 2026 | $0.12 | AGNC press release (investor relations) |

Note: This sample table intentionally lists per-share amounts confirmed in the company’s press releases. For a complete month‑by‑month history including declaration date, ex-dividend date, record date and pay date, refer to AGNC’s dividend-history page and SEC filings.

Dividend metrics and financial measures

When evaluating the agnc stock dividend, several metrics are commonly referenced. Below are definitions and figures tied to the recent $0.12/month declarations:

• Annualized dividend amount: If AGNC pays $0.12 per month for 12 months, the annualized dividend equals $0.12 × 12 = $1.44 per common share.
• Dividend yield: Dividend yield = annualized dividend ÷ share price. Because share prices move frequently, yield figures can change quickly. As of late January 2026 reporting, dividend-data aggregators reported AGNC’s yield in roughly the 12–13% range; this yield range depends on the snapshot date and the share price used in the calculation. Always confirm the date and price used when you compare yield figures.
• Payout coverage and ratios: Mortgage REITs like AGNC often exhibit payout ratios on a GAAP or taxable-income basis that exceed 100% in certain periods, because REIT distributions reflect accounting treatment, economic timing of interest income, realized/unrealized gains or losses, and capital-return components. High payout ratios in a period do not by themselves prove an unsustainable dividend, but they do warrant scrutiny of net interest margin, financing costs and capital preservation measures.
• Volatility and sensitivity: AGNC’s dividend metrics are sensitive to interest-rate movements, prepayment speeds on mortgage-backed securities, hedging effectiveness and the cost of leverage. Investors should regard yield and payout ratios as point-in-time indicators rather than stable guarantees.

Always specify the calculation date and share price when citing yield. For example: “As of January 31, 2026, using a $12.00 share price, an annualized $1.44 payout implies a 12% yield.” Change the price to update the yield.

Mechanics for shareholders

How to become eligible and what the dates mean:

• Buy before the ex-dividend date: To receive the agnc stock dividend for a given month, you must be the holder of record by the record date. Most stock settlements require you to purchase shares at least one trading day before the ex-dividend date to be recorded by the record date. Check the company’s specific ex-dividend date in the press release.
• Record date: The record date is when the company determines which shareholders are entitled to the dividend. Brokers and transfer agents use the record date to identify eligible holders.
• Pay date: This is the date cash is issued to eligible shareholders. Monthly dividends are typically deposited or mailed on the stated pay date declared in the press release.
• Broker handling: Your broker will update your account balance on or shortly after the pay date to reflect the dividend payment. If you hold shares through a brokerage account, consult that broker for operational timing and any withholding or tax reporting processes.

Tax treatment (general guidance)

REIT dividends commonly receive different tax treatment than qualified dividends from regular C-corporations. High-level points:

• Ordinary income vs. qualified dividend: Many REIT dividends are taxed as ordinary income rather than qualified dividend income. Portions of REIT dividends may also be characterized as return of capital, capital gain, or a combination, depending on the company’s taxable income, return of capital calculations, and special distributions.
• 1099 reporting: U.S. shareholders typically receive tax reporting from their broker or AGNC that breaks out ordinary, capital gain and return-of-capital components where relevant for the tax year.
• Consult a professional: Tax circumstances vary by investor and jurisdiction. For personalized guidance about how AGNC dividends will be taxed given your residency, holding vehicle (taxable account, IRA, etc.) and other factors, consult a qualified tax professional.

This article does not provide tax advice.

Factors affecting dividend sustainability and risks

Several primary drivers influence whether AGNC can maintain a given monthly dividend level. Key risks and sensitivities include:

• Interest-rate risk: Changes in short-term and long-term interest rates affect AGNC’s net interest margin (the spread between asset yields and financing costs). Rapid rate movements can compress margins or change prepayment behavior on mortgage securities.
• Prepayment and extension risk: Mortgage borrowers’ prepayment speeds alter expected cash flows and reinvestment timing. Faster prepayments can force reinvestment at lower yields; slower prepayments can extend duration and raise interest-rate sensitivity.
• Leverage and financing: AGNC uses repurchase agreements and secured financing to enhance returns. Higher leverage magnifies both gains and losses and can strain dividend capacity during stress.
• Portfolio valuation and margin declines: Unrealized losses from mark-to-market accounting on securities or hedges can reduce book value and influence board decisions on dividends.
• Liquidity and funding markets: Tightness in secured funding markets, wider repo spreads or counterparty stresses can increase financing costs or limit access to leverage.
• Regulatory and macroeconomic shocks: Though agency RMBS carry agency guarantees for principal and interest, broader market disruptions can affect liquidity, hedging costs and the company’s operational environment.

Because dividends are declared monthly and at board discretion, any of the above factors — alone or combined — could prompt a change (increase, decrease or suspension) in dividend policy.

Investor considerations and uses

Income-focused investors often evaluate AGNC for high current yield, but should weigh yield against volatility and principal risk. Considerations include:

• Yield vs. total-return tradeoff: AGNC’s high yield can be attractive, but the share price can be volatile. For many investors, AGNC plays a role in a diversified income sleeve rather than as a sole income source.
• Preferred vs. common: Preferred shares may offer different risk/reward characteristics (priority in dividends, fixed coupon features). Determine how preferred series’ terms align with your income needs and risk tolerance.
• Monitoring coverage: Pay attention to net interest income, financing costs, book value per share, and dividend coverage measures reported by the company and analysts.
• Position sizing: Because mortgage REITs are sensitive to rates and leverage, many investors limit exposure as a percentage of overall portfolios and rebalance based on changing objectives.

This content does not recommend specific investments or position sizes.

How to track future dividend announcements

Reliable sources to monitor the agnc stock dividend include:

• AGNC Investor Relations: the primary authoritative channel for dividend press releases and the dividend-history page describing declarations, ex-dividend dates, record dates and pay dates.
• SEC filings: AGNC’s periodic reports and current reports provide additional context on financial results, risk factors and capital management.
• Dividend-data aggregators and market-data platforms: services that summarize historical payments, yields and ex-dividend calendars can be helpful for quick reference. As of late January 2026, aggregator snapshots showed AGNC yields in the low double digits; verify the date and price used for any quoted yield.

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See also

• AGNC Investment Corp.
• Mortgage REIT
• Ex-dividend date
• Dividend yield
• Preferred stock

References and reporting context

• As of January 31, 2026, per AGNC Investor Relations press releases, AGNC declared $0.12 per common share for November 2025, December 2025 and January 2026 (company press releases; AGNC dividend-history page).
• Dividend-data aggregators reported AGNC dividend yields in the approximate 12–13% range on late-January 2026 snapshots; confirm the calculation date and share price used when referencing these yield figures.

Sources: AGNC investor relations press releases and company dividend-history page; dividend-data aggregators and market-data platforms (for yield snapshots and historical tables). For exact dates and table-level detail, consult AGNC’s official investor relations materials and SEC filings.

Further reading and next steps

If you track AGNC for income, consider these practical actions:

• Bookmark AGNC’s investor relations and dividend-history pages for authoritative notices.
• Use dividend‑calendar tools or your broker to track ex-dividend and pay dates to ensure eligibility for specific monthly payouts.
• Monitor interest-rate developments, AGNC quarterly results and financing-cost trends as indicators of dividend sustainability.

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