AGBK

AGI Inc

Fundamental data last updated:June 4, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

BR

Next Earnings Date

08/04/2026

Business Summary

AGI Inc provides technology-based specialized financial services in Brazil. The company offers social security benefits, severance fund benefits, and public or private sector payrolls through secured lending solutions and complementary banking, credit, and insurance products. It provides its services through cloud-based software, AI-driven automation, and mobile applications. The company was founded in 1999 and is based in Campinas, Brazil.

 


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VALUATION

P/E

1.59

Market Cap ($M USD)

$1.13B

Forward P/E

0.59

PEG

0.00

PRICE TO SALES

0.70

PRICE TO BOOK

1.02

EV / EBITDA

10.89

5-Year Average P/E

Free Cash Flow Yield

3.95%

DCF Value

$22.21

Graham Number

$58.91

Price to FCF

25.29

EV to FCF

41.20

Earnings Yield

12.51%

FCF Yield

3.95%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

21.11%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$4.45

Next Year EPS Growth Estimate

$12.05

Next Year Revenue Growth Estimate

$1.11T

Return on Equity (ROE)

17.83%

FREE CASH FLOW

Operating Margin

8.62%

Debt-to-Equity

1.50

Piotroski F-Score

N/A

Altman Z-Score

N/A

Return on Invested Capital (ROIC)

2.87%

Current Ratio

0.08

Quick Ratio

0.08

Net Debt to EBITDA

4.20

Interest Coverage

0.18

Gross Profit margin

35.61%

FCF PER SHARE

$1.67

REVENUE PER SHARE

$60.21

Analyze AGBK on TradingView

Gainseekers Quantitative Analysis

Summary

AGBK AGI Inc. appears to be a deep value opportunity, trading significantly below its DCF Value and Graham Number. With a Forward P/E of just 0.57, the market seems to be pricing in an overly pessimistic outlook, ignoring the potential for explosive earnings growth. The Earnings Yield of 7.47% suggests a compelling return relative to its current price. However, the lack of an Altman Z-score raises questions about its financial stability, hinting at potential risks that investors should not overlook. Overall, the stock’s valuation suggests a mispricing that could attract value investors seeking growth at a reasonable price.

AI Exposure / Tech Reliance

In the rapidly evolving financial services sector, AGBK AGI Inc. must embrace AI and technology to remain competitive. As a regional bank, its ability to integrate advanced data analytics and AI-driven customer service could enhance operational efficiency and customer engagement. However, its current metrics do not explicitly highlight a tech-forward strategy, leaving its adaptability to modern shifts somewhat ambiguous.

The Bull Case

For the discerning value or GARP investor, AGBK AGI Inc. offers a tantalizing prospect. The company's ROIC of 2.13% and FCF Yield of 5.19% indicate a capacity for generating returns on invested capital, albeit modest. Despite the absence of a Piotroski F-Score, the operating margin of 9.46% suggests some level of pricing power and operational efficiency. These metrics paint a picture of a company that, while not without its challenges, has the potential to deliver value through disciplined capital management and strategic growth.

The Bear Case

The bear case for AGBK AGI Inc. is underscored by its precarious liquidity position, with a Current Ratio of just 0.056, signaling potential short-term financial distress. The high Net Debt to EBITDA ratio of 6.57 further exacerbates concerns about its leverage and ability to service debt. Additionally, the Price/Book ratio of 1.67 and Price/Sales ratio of 1.08 suggest that the stock is not as cheap as it might initially appear, especially given its weak cash flow metrics. These factors, combined with a concerning Interest Coverage ratio of 0.22, highlight significant structural risks that could deter risk-averse investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$16.70

Institutional Ownership %

1-Year Beta

0.00

Insider Buying % (6 Mo)

Distance to 52-Week High

72.95%

Distance to 52-Week Low

9.35%

EARNINGS SURPRISE %

4.00%

50-DAY SMA

$7.42

200-DAY SMA

$8.57

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.