AGI Inc (AGBK)Financial Services | Banks - Regional | Campinas, Brazil | NYSE
7.19 USD
-0.19
(-2.575%) ⇩
(Oct. 14, 2026, 4 p.m.
EDT)
After hours: 7.19 |
Hot Take ↕ | Oct. 10, 2026, 8:20 a.m. EDT
The immediate outlook is severely clouded by deteriorating operational performance and a precarious balance sheet. Despite a Fitch upgrade to AA(bra) for the parent entity, the subsidiary's fundamentals are crumbling with revenue contracting by 15.2% and earnings plunging 27.8%. The stock is trading at a forward P/E of 3.7x, which appears cheap only because the market has priced in a massive expansion in profitability that hasn't materialized yet; quarterly earnings actually fell 23.8%. The balance sheet is dangerously leveraged with debt-to-equity exceeding 410x and negative operating cash flow of nearly $1 billion, suggesting the business is burning capital rather than generating it. There is no dividend to provide income, and the recent price action shows weakness, dropping below key moving averages despite a brief spike. While the valuation metrics look attractive on paper, the lack of earnings growth and negative cash flows indicate the company is struggling to maintain its operations, making this a high-risk situation where the 'value' may be a value trap. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.070242 |
| MSTL | 0.117971 |
| AutoARIMA | 0.118561 |
| AutoETS | 0.119772 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 44% |
| H-stat | 0.69 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.094 |
| Excess Kurtosis | -1.44 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 410.83 |
| Revenue per Share | 4.218 |
| Market Cap | 1,877,058,688 |
| Trailing P/E | 6.98 |
| Forward P/E | 3.95 |
| Profit Margins | 23.28% |
| Website | https://agibank.com.br |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.3311628 |
| Address1 | Rua Sergio Fernandes Borges Soares |
| Address2 | 1,000, PrEdio E1 |
| All Time High | 12.21 |
| All Time Low | 5.28 |
| Ask | 8.0 |
| Ask Size | 500 |
| Average Analyst Rating | 1.4 - Strong Buy |
| Average Daily Volume10 Day | 428,020 |
| Average Daily Volume3 Month | 288,380 |
| Average Volume | 288,380 |
| Average Volume10Days | 428,020 |
| Bid | 5.71 |
| Bid Size | 400 |
| Book Value | 5.9596844 |
| City | Campinas |
| Country | Brazil |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 7.19 |
| Current Ratio | 1.554 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 7.4 |
| Day Low | 6.955 |
| Debt To Equity | 410.83 |
| Display Name | AGI |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,785,963,600 |
| Earnings Call Timestamp Start | 1,785,963,600 |
| Earnings Growth | -0.278 |
| Earnings Quarterly Growth | -0.238 |
| Earnings Timestamp | 1,794,427,200 |
| Earnings Timestamp End | 1,794,427,200 |
| Earnings Timestamp Start | 1,794,427,200 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 5.138 |
| Enterprise Value | 17,923,672,064 |
| Eps Current Year | 6.48779 |
| Eps Forward | 1.8210604 |
| Eps Trailing Twelve Months | 1.03 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 20 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 6.305 |
| Fifty Day Average Change | 0.8850002 |
| Fifty Day Average Change Percent | 0.14036483 |
| Fifty Two Week Change Percent | -33.11628 |
| Fifty Two Week High | 12.21 |
| Fifty Two Week High Change | -5.02 |
| Fifty Two Week High Change Percent | -0.41113842 |
| Fifty Two Week Low | 5.28 |
| Fifty Two Week Low Change | 1.9099998 |
| Fifty Two Week Low Change Percent | 0.36174238 |
| Fifty Two Week Range | 5.28 - 12.21 |
| Financial Currency | BRL |
| First Trade Date Milliseconds | 1,770,820,200,000 |
| Float Shares | 21,658,268 |
| Forward Eps | 1.8210604 |
| Forward P E | 3.948249 |
| Full Exchange Name | NYSE |
| Fullday Change | 0.7000003 |
| Fullday Change Percent | 10.279006 |
| Fullday Price | 7.19 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.63654 |
| Gross Profits | 2,220,460,032 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.14257 |
| Held Percent Institutions | 0.8688 |
| Implied Shares Outstanding | 261,065,189 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | AGI Inc |
| Market | us_market |
| Market Cap | 1,877,058,688 |
| Market State | POSTPOST |
| Max Age | 86,400 |
| Message Board Id | finmb_1982236282 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 811,913,984 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 931,842,887 |
| Number Of Analyst Opinions | 11 |
| Open | 7.26 |
| Operating Cashflow | -991,913,984 |
| Operating Margins | 0.110640004 |
| Payout Ratio | 0.0 |
| Peg Ratio | 0.25 |
| Phone | 55 19 3031 4000 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 7.19 |
| Post Market Time | 1,792,008,605 |
| Previous Close | 7.38 |
| Price Eps Current Year | 1.1082356 |
| Price Hint | 2 |
| Price To Book | 1.2064397 |
| Price To Sales Trailing12 Months | 0.5380929 |
| Profit Margins | 0.23275 |
| Quick Ratio | 1.53 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.36364 |
| Region | US |
| Regular Market Change | -0.19 |
| Regular Market Change Percent | -2.57453 |
| Regular Market Day High | 7.4 |
| Regular Market Day Low | 6.955 |
| Regular Market Day Range | 6.955 - 7.4 |
| Regular Market Open | 7.26 |
| Regular Market Previous Close | 7.38 |
| Regular Market Price | 7.19 |
| Regular Market Time | 1,792,008,002 |
| Regular Market Volume | 381,119 |
| Revenue Growth | -0.152 |
| Revenue Per Share | 4.218 |
| Sand P52 Week Change | 0.1570785 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Shares Outstanding | 58,606,471 |
| Shares Percent Shares Out | 0.0052 |
| Shares Short | 827,862 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 1,014,911 |
| Short Name | AGI Inc |
| Short Percent Of Float | 0.038900003 |
| Short Ratio | 5.39 |
| Source Interval | 15 |
| State | SP |
| Symbol | AGBK |
| Target High Price | 16.111858 |
| Target Low Price | 7.9224944 |
| Target Mean Price | 12.456062 |
| Target Median Price | 13.096247 |
| Total Cash | 2,944,293,888 |
| Total Cash Per Share | 18.386 |
| Total Debt | 19,716,593,664 |
| Total Revenue | 3,488,354,048 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 1.03 |
| Trailing P E | 6.9805827 |
| Trailing Peg Ratio | 0.1951 |
| Triggerable | 1 |
| Two Hundred Day Average | 7.4747057 |
| Two Hundred Day Average Change | -0.28470564 |
| Two Hundred Day Average Change Percent | -0.038089212 |
| Type Disp | Equity |
| Volume | 381,119 |
| Website | https://agibank.com.br |
| Zip | 13,054-709 |