Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
AGBK
HoldAGI Inc · Financial Services · Brazil · $983M · Avg Vol: $2M/d
COMPANY DESCRIPTION
AGI Inc (Agibank) is a digital-first regional bank in Brazil that provides payroll loans, credit cards, and insurance products primarily to low-income individuals and retirees. The bank leverages a hybrid model combining a robust digital platform with physical service points to capture underserved demographics. This unique distribution network provides a competitive moat in customer acquisition within the highly concentrated Brazilian banking sector.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 447.7M | 615.6M | 922.1M | 1.2B | 40.5% | 677.6M | 1.4B | 1.9B | 23.2% |
| EPS | 0.20 | 1.38 | 2.59 | 3.40 | 155.8% | 2.70 | 3.41 | 4.80 | 18.8% |
| Shares | — | 58.7M | 58.7M | 58.7M | 0.0% | 58.6M | — | — | — |
| Debt | — | 109.6M | 241.5M | 321.7M | 71.3% | — | — | — | — |
| Equity | — | 251.3M | 453.8M | 629.5M | 58.3% | — | — | — | — |
| Op CF | 117.2M | -6.4M | 93.6M | -78.7M | -10.7% | -192.7M | — | — | — |
| Inv CF | -19.0M | -15.0M | -20.7M | -31.2M | — | — | — | — | — |
| Fin CF | -14.2M | -13.4M | 110.0M | 3.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AGBK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| AGBK | AGI Inc(you) | $983M | 36 | Hold |
| INTR | Inter & Co, Inc. | $2.4B | 39 | Hold |
| BMEB3.SA | Banco Mercantil do Brasil S.A. | $1.3B | 60 | Hold |
| BRSR6.SA | Banco do Estado do Rio Grande do Sul S.A. | $1.1B | 68 | Buy |
| BAZA3.SA | Banco da Amazônia S.A. | $708M | 69 | Buy |
| ABCB4.SA | Banco ABC Brasil S.A. | $1.2B | 86 | Strong Buy |
| PINE4.SA | Banco Pine S.A. | $534M | 84 | Strong Buy |
| BMGB4.SA | Banco BMG S.A. | $643M | 93 | Strong Buy |
| BBDO | Banco Bradesco S.A. | $32.1B | 37 | Hold |
| BBAS3.SA | Banco do Brasil S.A. | $21.7B | 56 | Hold |
Peer medians: ROE 14.0% · P/E 9.1x · Gross margin 85.0%