AGI Inc (AGBK) Fair Value & Analysis
Financial Services · US · Market cap $1.1B
AGI Inc
AGBK · US
Fair value as of: Jul 25, 2026
From 4 valuation models · updated 16 days ago
Share price −12.3% over the past month.
Below-average quality, screening 83% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (37/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case ($8.53). The market is more pessimistic than our downside scenario.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (6 months)
White line = price, green steps = our fair value per fiscal year. As of Jul 25, 2026.
How to read this chart
6‑month range $6.20 – $12.00 · fair‑value band $8.53 – $14.21 · the $6.20 price screens below the $11.37 fair value. As of Jul 25, 2026.
Analysis
AGI Inc (AGBK) currently trades at $6.20, while our model-based Fair Value estimate is $11.37, implying the stock looks roughly 83.4% undervalued today. The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, AGI Inc generated revenue of $3.6B at a net margin of 24.0%. Revenue declined 22.0% year over year. It earns a return on equity of 36.4%. Net debt stands at $3.8B. Fundamentals as of Jul 25, 2026
Our scenario range runs from $8.53 (bear case) to $14.21 (bull case); at $6.20, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 49% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 83%, AGBK screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples ($61.47) versus Asset-Based ($13.73). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 25, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 28 · Market factors (momentum, volatility) 14
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
AGI Inc provides technology-powered specialized financial services in Brazil. The company offers social security benefits; severance fund benefits; public or private sector payrolls through secured lending solutions; and complementary banking, credit, and insurance products.
Full company description
AGI Inc provides technology-powered specialized financial services in Brazil. The company offers social security benefits; severance fund benefits; 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2025 · reported fiscal years
AGI Inc reported revenue of $10.7B in FY2025 versus $3.3B in FY2022, a compound +47.7%/yr. Reported net income was $1.0B in FY2025, compounding +83.2%/yr from FY2022.
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Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare AGI Inc with another stock
Price, fair value, quality and upside side by side.
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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