AGBK
HoldFallen FavouriteAGI Inc · Financial Services · Brazil · $1.5B cap · $1.5M/day traded
$6.81 +0.7% · close 12 Oct · scored 14 Oct
StockRank down 1.0 since 13 Oct.
Fallen Favourite: A good business, still expensive, and the price is falling.
As of 14 Oct 2026, MoatMap's StockRank for AGI Inc (AGBK) is 44/100, ranked against 24,000+ stocks in 35 markets (Quality 53, Value 49, Momentum 35, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
ABOUT AGI INC
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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 | 468.0M | 643.5M | 964.0M | 1.3B | 40.5% | 700.9M | 1.4B | 1.9B | 21.5% |
| EPS | 0.21 | 1.44 | 2.71 | 3.55 | 155.8% | 1.03 | 3.52 | 4.97 | 18.3% |
| Shares | — | 58.7M | 58.7M | 58.7M | 0.0% | 58.6M | — | — | — |
| Debt | — | 114.6M | 252.5M | 336.4M | 71.3% | — | — | — | — |
| Equity | — | 262.7M | 474.4M | 658.1M | 58.3% | — | — | — | — |
| Op CF | 122.6M | -6.7M | 97.8M | -82.3M | -10.7% | -199.3M | — | — | — |
| Inv CF | -19.8M | -15.7M | -21.7M | -32.6M | — | — | — | — | — |
| Fin CF | -14.8M | -14.0M | 115.0M | 4.0M | — | — | — | — | — |
Not enough steady price history for a read yet.
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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) | $1.5B | 44 | Hold |
| INTR | Inter & Co, Inc. | $2.3B | 33 | Sell |
| BMEB3.SA | Banco Mercantil do Brasil S.A. | $1.3B | 69 | Buy |
| BSLI3.SA | BRB - Banco de Brasília S.A. | $224M | 45 | Hold |
| BRSR6.SA | Banco do Estado do Rio Grande do Sul S.A. | $1.2B | 84 | Strong Buy |
| ABCB4.SA | Banco ABC Brasil S.A. | $1.2B | 89 | Strong Buy |
| SANB11.SA | Banco Santander (Brasil) S.A. | $30.7B | 45 | Hold |
| BMGB4.SA | Banco BMG S.A. | $750M | 93 | Strong Buy |
| PINE3.SA | Banco Pine S.A. | $541M | 87 | Strong Buy |
| BBD | Banco Bradesco S.A. | $36.6B | 43 | Hold |
Peer medians: ROE 14.7% · P/E 11.7x · Gross margin 72.6%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.