AGI Inc provides technology-powered specialized financial services in Brazil.
FAIL · Does not pass the screen
6.06 USD
At the last full screen 2026-08-19
Screened 2026-08-19 · the tape above runs as of 22:12 UTC · 11 Sep · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
AGI Inc holds its Accumulation at $6.06. The statistical read favours the buyers, held for 3 days.
As held on the ledger · 2026-08-19
Phase
Accumulation
Quantitative state
The statistical read favours the buyers, held for 3 days
Price at the screen
$6.06
Valuation
2.29 trailing · 3.41 forward price to earnings
Values screen
FAIL· score 30.0
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-08-19 screen. The gold marker is the market price at the same screen. A 100.0% margin of safety to the base estimate.
Third-party analyst targets: 11 covering, consensus Strong Buy. The average target sits +111% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-08-19 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Brazilian payroll bank trips our ethics wire
Picture a worker in Sao Paulo waiting on their monthly payroll advance through a local specialist. AGI Inc handles those flows with secured lending and benefits processing. The business shows a 24% profit margin and trades at just 3.7 times forward earnings, yet revenue has already dropped 22% and the moat remains unclear.
We pass outright. The ethical screen flags any bank exposure and this one sits squarely in that prohibited category, so the low multiple and apparent margin of safety never come into play.
Brazilian macro swings, currency moves and the negative growth trend add real downside even before ethics enter the frame. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; its business and earnings are exposed to Brazil and to currency swings; it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
AGBK trades on the NYSE (the company is based in Brazil). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-21Markdown$6.06-12.4%Entry 6
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 12.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading neutral. Our forward projection puts the odds of a 10% gain over the next month near 10%. The street (10 analysts) rates it none, with a mean price target of $14.
2026-07-20Markdown$6.92-3.5%Entry 5
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 3.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C. Technically it is momentum reading neutral. Our forward projection puts the odds of a 10% gain over the next month near 10%. The street (10 analysts) rates it none, with a mean price target of $14.
2026-07-18Markdown$7.17+0.0%Entry 4
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C. Technically it is momentum reading neutral. Our forward projection puts the odds of a 10% gain over the next month near 10%. The street (10 analysts) rates it none, with a mean price target of $14.
2026-07-16Markdown$7.17+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C. Technically it is momentum reading neutral. Our forward projection puts the odds of a 10% gain over the next month near 10%. The street (10 analysts) rates it none, with a mean price target of $14.
2026-07-03Markdown$7.17+0.0%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
2026-07-02Markdown$7.17Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.