(AGBK) AGI - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 1.127m USD | Total Return: -33.9% in 12m
Avg Turnover: 3.74M
Rev. Trend: 100.0%
Warnings
No concerns identified
Tailwinds
No distinct edge detected
AGI Inc (NYSE: AGBK) is a Brazilian financial technology firm headquartered in Campinas. Founded in 1999, the company specializes in secured lending solutions, including payroll-deductible loans and social security benefit processing, delivered via cloud-based software and AI-driven mobile applications.
The business model focuses on credit products with low default risk, as payments are often deducted directly from government-guaranteed payrolls or pension distributions. Brazils regional banking sector is characterized by high concentration among top-tier institutions, creating opportunities for fintech-driven challengers to capture market share through lower operational overhead and automated credit scoring.
Investors can evaluate the company’s relative valuation metrics and risk profile further on ValueRay.
- Brazilian central bank interest rates impact net interest margin profitability
- Growth in secured payroll lending volume drives core revenue expansion
- AI-driven automation efficiency reduces operational costs and improves credit scoring
- Regulatory changes to social security benefit processing affect loan origination
- Brazilian macroeconomic stability influences consumer credit demand and insurance uptake
| Net Income: 1.04b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -2.48 > 1.0 |
| NWC/Revenue: -222.0% < 20% (prev -227.7%; Δ 5.74% < -1%) |
| CFO/TA -0.01 > 3% & CFO -409.6m > Net Income 1.04b |
| Net Debt (4.06b) to EBITDA (1.54b): 2.64 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last fiscal year (159.9m) vs prev 172.4% < -2% |
| Gross Margin: 44.56% > 18% (prev 0.46%; Δ 4.41k% > 0.5%) |
| Asset Turnover: 27.68% > 50% (prev 24.64%; Δ 3.04% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBITDA TTM 1.54b / Interest Expense TTM 4.23b) |
| A: -0.50 (Total Current Assets 1.41b - Total Current Liabilities 25.2b) / Total Assets 47.8b |
| B: 0.00 (Retained Earnings 115.2m / Total Assets 47.8b) |
| C: 0.03 (EBIT TTM 1.34b / Avg Total Assets 38.6b) |
| D: 0.07 (Book Value of Equity 3.28b / Total Liabilities 44.5b) |
| Altman-Z'' = -2.94 = D |
As of May 24, 2026, the stock is trading at USD 7.11 with a total of 628,839 shares traded.
Over the past week, the price has changed by -1.93%,
over one month by -3.00%,
over three months by -40.50% and
over the past year by -33.86%.
AGI has no consensus analysts rating.
P/E Trailing = 6.5231
P/E Forward = 4.4014
P/S = 0.3093
P/B = 1.1899
P/EG = 0.1517
Revenue TTM = 10.7b BRL
EBIT TTM = 1.34b BRL
EBITDA TTM = 1.54b BRL
Long Term Debt = 1.21b BRL (from longTermDebt, last quarter)
Short Term Debt = 3.55b BRL (from shortTermDebt, last quarter)
Debt = 5.17b BRL (from shortLongTermDebtTotal, last quarter) + Leases 248.3m
Net Debt = 4.06b BRL (calculated: Debt 5.17b - CCE 1.11b)
Enterprise Value = 9.70b BRL (5.63b + Debt 5.17b - CCE 1.11b)
Interest Coverage Ratio = 0.32 (Ebit TTM 1.34b / Interest Expense TTM 4.23b)
EV/FCF = -16.95x (Enterprise Value 9.70b / FCF TTM -572.0m)
FCF Yield = -5.90% (FCF TTM -572.0m / Enterprise Value 9.70b)
FCF Margin = -5.35% (FCF TTM -572.0m / Revenue TTM 10.7b)
Net Margin = 9.70% (Net Income TTM 1.04b / Revenue TTM 10.7b)
Gross Margin = 44.56% ((Revenue TTM 10.7b - Cost of Revenue TTM 5.93b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.20 (Enterprise Value 9.70b / Total Assets 47.8b)
Interest Expense / Debt = 81.71% (Interest Expense 4.23b / Debt 5.17b)
Taxrate = 9.74% (23.2m / 238.1m)
NOPAT = 1.21b (EBIT 1.34b * (1 - 9.74%))
Current Ratio = 0.06 (Total Current Assets 1.41b / Total Current Liabilities 25.2b)
Debt / Equity = 1.58 (Debt 5.17b / totalStockholderEquity, last quarter 3.28b)
Debt / EBITDA = 2.64 (Net Debt 4.06b / EBITDA 1.54b)
Debt / FCF = -7.10 (negative FCF - burning cash) (Net Debt 4.06b / FCF TTM -572.0m)
Total Stockholder Equity = 3.28b (last fiscal year from totalStockholderEquity)
RoA = 2.69% (Net Income 1.04b / Total Assets 47.8b)
RoE = 31.67% (Net Income TTM 1.04b / Total Stockholder Equity 3.28b)
RoCE = 29.76% (EBIT 1.34b / Capital Employed (Equity 3.28b + L.T.Debt 1.21b))
RoIC = 4.69% (NOPAT 1.21b / Invested Capital 25.7b)
WACC = 5.97% (E(5.63b)/V(10.8b) * Re(11.46%) + (debt cost/tax rate unavailable))
Discount Rate = 11.46% (= CAPM, Blume Beta Adj.)
Shares (yearly) Correlation: 100.0 | Cagr: 172.5%
[DCF] Fair Price = unknown (Cash Flow -572.0m)
Revenue Correlation: 100.00 | Revenue CAGR: 46.43% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.62 | Chg30d=+1.66% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=2.36 | Chg30d=+19.14% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=7.84 | Chg30d=+5.71% | Revisions=+43% | GrowthEPS=+0.0% | GrowthRev=+16.7%
EPS next Year (2027-12-31): EPS=10.23 | Chg30d=+0.56% | Revisions=+25% | GrowthEPS=+30.5% | GrowthRev=+35.5%
[Analyst] Revisions Ratio: +43%