AGI Inc (AGBK) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of AGI Inc $8.98, price $5.83, upside +54.0%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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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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.
Stock analysis
AGI Inc (AGBK) currently trades at $5.83, while our model-based Fair Value estimate is $8.98, implying the stock looks roughly 35.0% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $54.98 per share, and 4 of the 4 models we run sit above the $5.83 price.
Bear case: the Asset-Based group reads lowest at $13.73, and 0 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $6.44 (bear) to $35.90 (bull), the price of $5.83 sits below 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 37/100 (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 $1.1B · P/E ratio 6.5 · P/S ratio 0.64 · EPS (TTM) $1.08 · Net margin 9.7% · Return on equity 36.4% · Return on assets (EBIT) 3.1% · Operating margin 26.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 54%, AGBK screens cheaper than that median.
Fair Value models
Bear $6.44Fair Value $8.98Bull $35.90
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.7900 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.Evidence ⓘEvidence = 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.
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%
’22
’23
’24
’25
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%
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside+54% · Top 25%
Profitability
Return on equity (TTM)36% · Top 25%
Return on assets3% · Top 25%
Net margin (TTM)24% · Below median
Operating margin (TTM)26% · Below median
Growth and dividend
Revenue growth−22% · Bottom 25%
Balance sheet
Debt / equity0.37× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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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 Sep 23, 2026, our model estimates a fair value of $8.98 versus a price of $5.83, about +54% upside (undervalued).
What is the fair value of AGBK?
Our model-based fair value for AGI Inc is $8.98 (as of Sep 23, 2026), built from audited fundamentals. The current price: $5.83.
What is the quality score of AGBK?
AGI Inc has a Quality Score of 37/100. 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 $8.98 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $6.44, optimistic scenario $35.90. 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 $8.98, about +54% upside versus a price of $5.83 (undervalued). Cautious scenario $6.44, optimistic scenario $35.90. The calculation is refreshed regularly with new filings.
What is the revenue of AGI Inc (AGBK)?
AGI Inc reported trailing-twelve-month revenue of about $3.6B (latest available figure, as of Sep 23, 2026).
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 $8.98 per share (as of Sep 23, 2026), against a price of $5.83. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is AGI Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, AGBK trades below its calculated fair value: price $5.83, fair value $8.98, a gap of about +54% (undervalued). 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 ($5.83); the fair value is what the company's own numbers justify ($8.98). For AGI Inc the two are $3.15 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 $1.1B (market capitalisation, as of Sep 23, 2026). Per share that is $5.83; our models calculate a fair value of $8.98 per share.
What do the bullish and bearish scenarios say about AGBK?
Our models span a range for AGI Inc: cautious scenario $6.44, base $8.98, optimistic $35.90 per share (as of Sep 23, 2026, price $5.83). 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 6.5 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.98 is built from several models across several years. Other multiples: PEG 0.2.
What is the PEG ratio of AGBK?
The PEG ratio of AGI Inc is 0.15 (P/E divided by earnings growth, as of Sep 23, 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 Sep 23, 2026): return on equity 36.4%, debt of 0.37 per unit of equity. They feed the Quality Score of 37/100, 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 DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $5.83, calculated fair value $8.98 (+54%), Quality Score 37/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $8.98, 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 14.1 % above its aggregate fair value. AGI Inc currently trades 54 % below its own fair value, and the market average says nothing about that. 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 Sep 23, 2026 was $5.83. Our model-based fair value is $8.98, about +54% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AGI Inc right 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 ($6.44). The market is more pessimistic than our downside scenario. The model range is unusually wide ($6.44 to $35.90). 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 $1.1B. 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 0.64 (P/E × margin). 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 $1.08 (price ÷ EPS = P/E 6.5). 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 9.7% (fiscal year 2025). 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 26.2% (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 −22.0% 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 −49.0% 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 −$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 $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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Sep 23, 2026