AGI Inc (AGBK) AI Stock Analysis

Founded in 1999 and based in Campinas, Brazil, AGI Inc provides technology-powered specialized financial services. The company offers social security benefits, severance fund benefits, and public or private sector payrolls through secured lending solutions. In addition, it delivers complementary banking, credit, and insurance products. AGI Inc serves its clients through cloud-based software, AI-driven automation, and mobile applications, operating with 4,700 employees.

Between FY2022 and FY2025, AGI Inc expanded annual revenue from $3.32B to $10.69B, achieving a 3-year revenue CAGR of 47.7%. Revenue grew 50.1% in FY2023, 45.8% in FY2024, and 47.0% in FY2025. Annual net income increased from $168.9M in FY2022 to $422.0M in FY2023, $791.0M in FY2024, and $1.04B in FY2025, bringing net margin to 9.7% and EPS to $1.34. Over that period, gross margin moved from 49.8% in FY2022 to 44.6% in FY2025, while operating margin rose from 7.4% to 12.5%. For the trailing twelve months ended June 30, 2026, revenue stood at $3.49B with net profit margin of 23.3%. In the latest quarter, quarterly revenue declined 15.2% year-over-year and quarterly earnings declined 27.8%.

As of June 30, 2026, AGI Inc held $892.8M in cash and short-term investments against total debt of $6.29B, resulting in net debt of $5.40B. Shareholders' equity was $4.80B out of total assets of $51.11B, with a debt-to-equity ratio of 1.31 and a current ratio of 0.06. In FY2025, operating cash flow was -$409.6M and free cash flow was -$572.0M, with capital expenditures of $162.4M.

At a last close price of $7.34 on October 16, 2026, AGI Inc has a market capitalization of $1.92B and an enterprise value of $17.95B. The stock trades at a trailing price-to-earnings ratio of 7.1x and a forward P/E of 3.3x, compared to 12.1x and 10.8x for the median of its US-listed Financial Services peers. Its price-to-sales ratio of 0.5x sits below the peer median of 3.2x, while its price-to-book ratio is 1.0x. Over the past year, the S&P 500 returned 16.8%, while AGBK has traded between a 52-week low of $5.28 and a 52-week high of $12.21.

Wall Street analysts coverage includes 8 Strong Buy, 2 Buy, and 1 Hold ratings, with no Sell or Strong Sell recommendations. The mean price target is $12.40, which stands 69.0% above the last close price of $7.34. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $6.17B and EPS of $6.49, representing an estimated EPS decline of 0.9%. For the next fiscal year, 7 analysts project revenue of $8.27B and EPS of $9.16. The next earnings date is November 4, 2026.

This page is an AI-written research summary of AGI Inc (AGBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: AGBK income statement, AGBK balance sheet, AGBK key metrics, AGBK analyst forecast, AGBK chart. See the AGBK stock overview for the latest quote and news.