AGI Inc Class A (AGBK)
NYSE:AGBK
Want to see AGBK full AI Analyst Report?
Top Page
AGI Inc Class A
(NYSE:AGBK)
Select Model
Select Model
Rating:63Neutral
Price Target:
$7.50
Action:N/A
Date:06/17/26
The score is primarily held back by financial-quality risks—especially the 2025 cash-flow reversal and higher leverage—despite strong revenue/net-income growth. Valuation looks attractive on a low P/E, while technicals are neutral-to-weak and the latest call was constructive but tempered by limited guidance and regulatory/margin uncertainty.
Positive Factors
Revenue Growth Momentum
Sustained multi-year top-line expansion to $10.7B in 2025 indicates durable demand and scalable origination capacity. Persistent revenue growth underpins reinvestment, supports operating leverage and creates runway to absorb cyclical shocks while funding product and distribution expansion.
Negative Factors
Sharp Leverage Increase
A material jump in leverage materially reduces financial flexibility and raises refinancing and solvency risk if earnings or credit conditions weaken. Higher debt amplifies sensitivity to funding costs and can constrain strategic options during adverse macro or regulatory shifts.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
Sustained multi-year top-line expansion to $10.7B in 2025 indicates durable demand and scalable origination capacity. Persistent revenue growth underpins reinvestment, supports operating leverage and creates runway to absorb cyclical shocks while funding product and distribution expansion.
Read all positive factors
AGI Inc Class A (AGBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.11B
Dividend YieldN/A
Average Volume (3M)N/A
Price to Earnings (P/E)9.5
Beta (1Y)2.42
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees4,700
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding58,700,710
10 Day Avg. VolumeN/A
30 Day Avg. VolumeN/A
Financial Highlights & Ratios
PEG Ratio0.18
Price to Book (P/B)2.87
Price to Sales (P/S)0.88
P/FCF Ratio-16.46
Enterprise Value/Market Cap8.47
Enterprise Value/Revenue1.58
Enterprise Value/Gross Profit4.80
Enterprise Value/Ebitda16.73
Forecast
1Y Price Target
$13.80Price Target Upside― Downside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
AGI Inc Class A Business Overview & Revenue Model
Company Description
AGI Inc. stands as a leading provider of innovative, technology-centric financial solutions operating across Brazil. The company primarily facilitates social security and severance benefits, along with public and private sector payroll management,...
AGI Inc Class A Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
46
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 5.96B | 10.69B | 7.27B | 4.99B |
| Gross Profit | 1.96B | 4.77B | 3.33B | 2.29B |
| EBITDA | 563.02M | 1.54B | 1.21B | 716.49M |
| Net Income | 401.45M | 1.04B | 791.01M | 421.99M |
Balance Sheet | ||||
| Total Assets | 50.19B | 47.76B | 29.51B | 19.36B |
| Cash, Cash Equivalents and Short-Term Investments | 1.70B | 1.11B | 468.57M | 393.53M |
| Total Debt | 5.28B | 4.93B | 1.26B | 578.22M |
| Total Liabilities | 45.54B | 44.48B | 27.04B | 18.05B |
| Stockholders Equity | 4.65B | 3.28B | 2.36B | 1.31B |
Cash Flow | ||||
| Free Cash Flow | 1.88M | -572.01M | 379.24M | -113.66M |
| Operating Cash Flow | 130.79M | -409.62M | 487.04M | -33.32M |
| Investing Cash Flow | -128.91M | -162.39M | -107.80M | -78.00M |
| Financing Cash Flow | 1.26B | 19.88M | 572.78M | -69.75M |
AGI Inc Class A Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.