AGI Inc Class A Common Shares (AGBK)

FairStock Score: 59/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach AGI as a Graham-style lender, not a technology story, even though it uses cloud software and AI. The business is a Brazilian specialized financial services firm focused on social security, severance, payroll-secured lending, and complementary credit and insurance products. The niche may offer repayment security, but I cannot verify a durable moat from the data. At the close on 2026-10-13, the price was $7.38, market cap $1.2B, and FairStock calculates a P/E of 7.45 and P/B of 1.26. Those are statistically cheap numbers if earnings are durable, though the FairStock Score is 59/100, middling. FairStock also calculates an ROE of 36.38%, and in the latest quarter labeled 2026-Q2, revenue was $1.4B and net income was $200.3M, a 13.96% margin. That is a profitable lending operation. But the supplied profit growth figure is -23.78%, FairStock Piotroski is 4/9, and debt-to-equity is 4.11, which is high leverage even for a bank. ROCE of 2.71% reminds me that leverage can flatter ROE. No Lynch category is assigned because there are 0 years of filed results, not the 3 needed. The 52-week range is $5.28-$12.21, so today's price sits below the midpoint and the market is skeptical. Missing bank-specific data, including CET1, net interest margin, credit costs, and combined ratio, are material. Without them I cannot judge capital adequacy or underwriting. This looks statistically cheap but qualitatively incomplete; a Graham investor would want evidence the profit decline is temporary and the balance sheet is sound.

In plain English: AGI Inc is a Brazilian financial company that provides payroll, social-security and severance-related loans plus other banking and insurance products. The latest reported quarter showed a profit, and the stock price is low compared with the company's earnings and book value. But profits have been falling and the company has a very short record as a public company, so the picture is mixed rather than clearly cheap or strong.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer