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AGI Inc (AGBK)
Price$7.28
Favorite Metrics
Price vs S&P 500 (26W)7.51%
Price vs S&P 500 (4W)1.69%
Market Capitalization$9.86B
P/E Ratio (Annual)30.14x
Indicated Dividend Yield (Annual)1.34%
All Metrics
P/CF (Annual)20.49x
Book Value / Share (Quarterly)$9.25
P/TBV (Annual)3.19x
Revenue Growth (3Y)-3.20%
Cash Flow / Share (Quarterly)$1.46
Payout Ratio (TTM)22.12%
Price vs S&P 500 (YTD)-9.81%
Gross Margin (TTM)52.67%
Net Profit Margin (TTM)13.63%
EPS (TTM)$1.59
10-Day Avg Trading Volume0.07M
EPS Excl Extra (TTM)$1.59
Revenue Growth (5Y)-0.22%
EPS (Annual)$1.48
ROI (Annual)8.73%
Gross Margin (Annual)64.17%
Net Profit Margin (5Y Avg)1.61%
Cash / Share (Quarterly)$4.16
P/E Basic Excl Extra (TTM)27.90x
Revenue Growth QoQ (YoY)-17.78%
EPS Growth (5Y)-11.35%
P/E Normalized (Annual)30.14x
ROA (Last FY)6.76%
Revenue Growth TTM (YoY)-17.77%
EBITD / Share (TTM)$1.87
ROE (5Y Avg)1.81%
Operating Margin (TTM)8.25%
Cash Flow / Share (Annual)$1.27
P/B Ratio4.84x
P/B Ratio (Quarterly)2.69x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)4.13x
Net Interest Coverage (TTM)2.18x
ROA (TTM)7.29%
EPS Growth QoQ (YoY)14.14%
EV / EBITDA (TTM)25.82x
EPS Incl Extra (Annual)$1.48
Current Ratio (Annual)2.03x
Quick Ratio (Quarterly)2.18x
3-Month Avg Trading Volume1.65M
52-Week Price Return-1.90%
EV / Free Cash Flow (Annual)38.46x
P/E Incl Extra (TTM)27.90x
Revenue / Employee (TTM)$0
Tangible BV / Share (Quarterly)$4.82
P/S Ratio (Annual)4.05x
Asset Turnover (Annual)0.50x
52-Week High$22.22
Operating Margin (5Y Avg)3.98%
EPS Excl Extra (Annual)$1.48
CapEx CAGR (5Y)2.95%
Tangible BV CAGR (5Y)11.02%
26-Week Price Return8.50%
Quick Ratio (Annual)1.86x
13-Week Price Return-3.91%
Total Debt / Equity (Annual)0.89x
Current Ratio (Quarterly)2.34x
Enterprise Value$7,792.324
Revenue / Share Growth (5Y)-2.73%
Asset Turnover (TTM)0.54x
Book Value / Share Growth (5Y)1.01%
Revenue / Employee (Annual)$0
Inventory Turnover (Annual)7.96x
Pretax Margin (Annual)5.12%
Cash / Share (Annual)$3.18
Gross Margin (5Y Avg)56.43%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)7.70%
EBITDA Interim CAGR (5Y)5.67%
ROE (Last FY)16.52%
Net Interest Coverage (Annual)3.74x
EPS Basic Excl Extra (Annual)$1.48
P/FCF (TTM)30.67x
Receivables Turnover (TTM)8.15x
EV / Free Cash Flow (TTM)33.30x
Total Debt / Equity (Quarterly)0.87x
EPS Incl Extra (TTM)$1.59
Receivables Turnover (Annual)9.16x
ROI (TTM)9.42%
P/S Ratio (TTM)3.80x
Pretax Margin (5Y Avg)0.16%
Revenue / Share (Annual)$11.03
Tangible BV / Share (Annual)$4.56
Free OCF CAGR (5Y)60.54%
Price vs S&P 500 (52W)-0.72%
P/E Ratio (TTM)27.90x
EPS Growth TTM (YoY)118.57%
Year-to-Date Return-6.47%
5-Day Price Return0.31%
EPS Normalized (Annual)$1.48
ROA (5Y Avg)0.78%
Net Profit Margin (Annual)13.44%
Month-to-Date Return8.68%
Cash Flow / Share (TTM)$3.13
EBITD / Share (Annual)$2.25
Operating Margin (Annual)9.22%
LT Debt / Equity (Annual)0.86x
P/CF (TTM)20.29x
ROI (5Y Avg)1.02%
P/E Excl Extra (TTM)27.90x
LT Debt / Equity (Quarterly)0.86x
EPS Basic Excl Extra (TTM)$1.59
P/TBV (Quarterly)5.15x
Payout Ratio (Annual)154.39%
P/B Ratio (Annual)1.61x
Dividend / Share (TTM)$0.36
Inventory Turnover (TTM)6.02x
Pretax Margin (TTM)5.82%
Book Value / Share (Annual)$9.04
Price vs S&P 500 (13W)-5.19%
Net Margin Growth (5Y)-8.87%
Dividend Yield (TTM)0.79%
Beta-0.25x
P/FCF (Annual)35.42x
Revenue / Share (TTM)$11.64
ROE (TTM)17.67%
52-Week Low$16.27
Analyst Recommendations
Jul 2022
Aug 2022
Sep 2022
Oct 2022
4.14
4.14
4.14
4.14
Industry Peers — Commercial Banks(30)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
AGBKAGI Inc | 2.69x | 17.67% | 7.29% | 2.18x | $7.28 |
RYRoyal Bank of Canada | 2.31x | 15.37% | 0.92% | — | $175.85 |
MUFGMitsubishi UFJ Financial Group, Inc. | 1.30x | 9.31% | 0.47% | — | $18.38 |
SANBanco Santander S.A. | 1.46x | 24.07% | 1.33% | — | $12.30 |
SMFGSumitomo Mitsui Financial Group, Inc American Depositary Shares (each representing 3/5th of a share of common stock) | 1.24x | 9.58% | 0.47% | — | $21.36 |
HDBHDFC Bank Limited | 2.70x | 13.72% | 1.66% | — | $26.43 |
BBVABanco Bilbao Vizcaya Argentaria, S.A. | 2.01x | 32.59% | 2.30% | — | $22.97 |
BMOBank of Montreal | 1.57x | 10.47% | 0.62% | — | $149.30 |
IBNICICI Bank Limited | 2.75x | 15.95% | 1.97% | — | $28.38 |
CMCanadian Imperial Bank of Commerce | 1.84x | 14.76% | 0.84% | — | $107.49 |
ATMPiPath Select MLP ETN | 0.85x | 14.40% | 0.69% | — | $33.30 |
About
AGI Inc is a Brazilian fintech bank specializing in secured lending to individuals, leveraging access to social security benefits, severance funds, and payroll. The company provides digital banking services including personal loans, credit cards, and insurance products, with offerings tailored to individual customer needs. Its business model focuses on credit backed by government benefits and employment income, serving Brazil's retail banking market.