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AGI Inc (AGBK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of AGI Inc stock $3.84, price $4.86, that is 21.0% below the price, quality 43 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · Based in Brazil · ISIN KYG0118C1050

AI AGI Inc logo Some data Nov 5, 2026

AGI Inc

AGBK · US
Weak valuation

Our calculation puts a fair price 21% below what the stock costs today.

Highly profitable · 23.3% net margin (TTM)
Costs just 7.4 times its yearly profit.
Quality 43/100
Expensive Growth (revenue 3y +47.7 %/yr in BRL)
Mixed vs. peers (6/13)
Moderate moat 60/100
Insiders bought $28,452 (6M) · sold $3.1M
Some data
Fair value $3.84 · Overvalued (−21.0%)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$12.00 $4.73 Fair Value $3.84 Feb 2026 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

9‑month range $4.73 – $12.00 · fair‑value band $2.56 – $8.33 · the $4.86 price screens above the $3.84 fair value. As of Nov 5, 2026.

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Company profile

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.

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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.

Stock analysis

AGI Inc (AGBK) currently trades at $4.86, while our model-based Fair Value estimate is $3.84, 21% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $3.88 per share, and 1 of the 4 models we run sit above the $4.86 price.

Bear case: the Asset-Based group reads lowest at $0.9000, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $2.56 (bear) to $8.33 (bull), the price of $4.86 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

AGI Inc reported revenue of R$10.7B in FY2025 versus R$3.3B in FY2022, a compound +47.7%/yr. Reported net income was R$1.0B in FY2025, compounding +83.2%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.

Key figures

Market cap $2.0B Small · P/E ratio 7.4 · P/S ratio 1.80 · EPS (TTM) $1.03 · Net margin 23.3% · Return on equity 36.4% · Return on assets (EBIT) 3.1% (3-year average) · Operating margin 11.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (medium confidence).

What moves the price

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −21%, AGBK screens cheaper than that median.

Fair Value models

Bear $2.56 Fair Value $3.84 Bull $8.33
Price $4.86 · Downside -21.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.8804 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $2.48 $3.71 $8.05 65
P/E Multiple $4.40 $5.87 $7.33 63
P/B Multiple $1.41 $1.88 $2.36 55
All 4 models by family
Multiples
P/E Multiple $4.40 $5.87 $7.33 63
P/B Multiple $1.41 $1.88 $2.36 55
Asset-Based
NCAV (Graham) $0.6700 $0.9000 $1.35 54
Economic Profit
Residual Income $2.48 $3.71 $8.05 65

Open the full fair value analysis →

Quality Score breakdown

Overall quality 43/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 40
How much profit the company makes from its sales and capital
Quality Growth 50
Are margins and returns getting better?
Cashflow 2
Do the profits arrive as real cash?
Financial strength 8
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 12
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 0
Distance to the 52-week high, does not count
New shares 50
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 5 officers or directors bought shares worth $28,452, most recently on Jun 3, 2026. Over the same period, one person sold shares worth $3.1M. Buying cluster

  • SaleVinicius Birkeland AloeChief Technology Officer256,792 shares at $11.98$3.1MAug 31, 2026
  • BuyDaniel Monteiro De FariasChief Products Officer2× since May 7, 2026: 793 shares, avg. $7.18$5,690Jun 3, 2026
  • BuyGlauber Marques CorreaDirector and COO2,000 shares at $7.33$14,660Jun 1, 2026
  • BuyMarcello Winik DubeuxFinancial and IR Officer1,000 shares at $7.00$7,000May 19, 2026
  • BuyRafael De Oliveira MoraisRisk & Controllership Officer436 shares at $7.12$3,101May 14, 2026
  • BuyVinicius Birkeland AloeChief Technology Officer407 shares at $7.38$3,001May 12, 2026
  • BuyMatheus GirardiChief Sales Officer270 shares at $7.09$1,914May 8, 2026
  • BuyMarciano TestaChairman and CEO, Director28,000 shares at $7.15$200,200May 7, 2026

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+47.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+47.7%
What shareholders gained per year (last 3 years), in BRL ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in BRL: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+8.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.8%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 13%

AGBK screens overvalued: fair value 21% below the price. Compare with China Merchants Bank Co →

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Peer Groupⓘ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.Banks - Regional · 998 stocks

Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside −21.0% · Below median
Profitability
Return on equity (12 months) 36.4% · Top 25%
Return on assets 2.2% · Top 25%
Net margin (12 months) 23.3% · Below median
Operating margin (12 months) 11.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −15.2% · Bottom 25%
Balance sheet
Debt / equity 0.37× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 7.4× · Cheapest 25%
P/B 3.32× · Priciest 25%
P/S (12 months) 3.12× · Cheaper than median
EV/EBITDA 1.8× · Cheapest 25%
PEG 0.21× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)5 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)100 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs AGBK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs AGBK
BNP Paribas SA BNP €91.93 €106.01 +15% vs AGBK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs AGBK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs AGBK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs AGBK
Mizuho Financial Group MFG $9.40 $5.90 −37% vs AGBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs AGBK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs AGBK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs AGBK

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AGI Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "AGI Inc Fair Value". https://www.fairvalue-calculator.com/stock/AGBK

Frequently asked questions

Is AGI Inc (AGBK) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $3.84 versus a price of $4.86, about 21% lower (overvalued).
What is the fair value of AGBK?
Our model-based fair value for AGI Inc is $3.84 (as of Nov 5, 2026), built from audited fundamentals. The current price: $4.86.
What is the quality score of AGBK?
AGI Inc has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for AGI Inc (AGBK)?
Our model-based price target is the fair value of $3.84 (as of Nov 5, 2026) from 4 valuation models. Cautious scenario $2.56, optimistic scenario $8.33. It is a calculation from audited fundamentals, not an analyst target.
What is the AGI Inc stock forecast for 2026?
Our models put fair value at $3.84, about 21% lower versus a price of $4.86 (overvalued). Cautious scenario $2.56, optimistic scenario $8.33. The calculation is refreshed regularly with new filings.
What is the intrinsic value of AGI Inc (AGBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AGI Inc it is $3.84 per share (as of Nov 5, 2026), against a price of $4.86. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is AGI Inc stock overvalued or undervalued in 2026?
As of Nov 5, 2026, AGBK trades above its calculated fair value: price $4.86, fair value $3.84, a gap of about −21% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AGBK?
No. The price is what the market pays today ($4.86); the fair value is what the company's own numbers justify ($3.84). For AGI Inc the two are $1.02 per share apart. That gap is exactly why we show both numbers side by side.
How much is AGI Inc worth?
The market values AGI Inc at about $2.0B (market capitalisation, as of Nov 5, 2026). Per share that is $4.86; our models calculate a fair value of $3.84 per share.
What do the bullish and bearish scenarios say about AGBK?
Our models span a range for AGI Inc: cautious scenario $2.56, base $3.84, optimistic $8.33 per share (as of Nov 5, 2026, price $4.86). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AGBK?
AGI Inc trades at a price-to-earnings ratio of 7.4 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.84 is built from several models across several years. Other multiples: PEG 0.2, P/B 3.3, P/S 3.1, EV/EBITDA 1.8.
What is the PEG ratio of AGBK?
The PEG ratio of AGI Inc is 0.21 (P/E divided by earnings growth, as of Nov 5, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of AGI Inc (AGBK)?
Balance-sheet figures for AGI Inc (as of Nov 5, 2026): return on equity 36.4%, debt of 0.37 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
Which stocks are comparable to AGI Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is AGI Inc stock attractive at the current price?
The data as of Nov 5, 2026: price $4.86, calculated fair value $3.84 (−21%), Quality Score 43/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AGBK calculated?
We run AGI Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $3.84 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. AGI Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of AGI Inc (AGBK)?
The closing price on Nov 6, 2026 was $4.86. Our model-based fair value is $3.84, about 21% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AGI Inc right now?
Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide ($2.56 to $8.33). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of AGI Inc

How large is the market capitalisation of AGI Inc (AGBK)?
The market capitalisation of AGI Inc is $2.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of AGI Inc (AGBK)?
The price-to-sales ratio of AGI Inc is 1.80 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of AGI Inc (AGBK)?
Earnings per share at AGI Inc are $1.03 (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of AGI Inc (AGBK)?
The net margin of AGI Inc is 23.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of AGI Inc (AGBK)?
The return on equity (ROE) of AGI Inc is 36.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of AGI Inc (AGBK)?
On an EBIT basis the return on assets of AGI Inc is 3.1% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of AGI Inc (AGBK)?
The operating margin of AGI Inc is 11.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AGI Inc (AGBK)?
Revenue at AGI Inc is growing −15.2% versus a year earlier (3y avg +47.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at AGI Inc (AGBK)?
Earnings per share at AGI Inc are growing −27.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does AGI Inc (AGBK) generate?
The free cash flow of AGI Inc is −R$572M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does AGI Inc (AGBK) carry?
The net debt of AGI Inc is R$3.8B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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