AGI (FRA:GC6) Moat Score: 3/10 (As of Jul. 01, 2026)


FRA:GC6 AGI Inc FRA:GC6
10 GF Score
Price €6.10
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What is AGI Moat Score?

AGI FRA:GC6 +1.67% 10 Moat Score is 3 as of Jul. 01, 2026. GuruFocus rates FRA:GC6 with a GF Score™ of 10/100. Among 1,613 Banks companies, AGI ranks better than 74.52% on this metric.

AGI has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

AGI has No Moat: AGI Inc operates in a competitive industry with limited differentiation and low customer switching costs. It lacks significant brand strength, regulatory barriers, or cost advantages, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes AGI might have No Moat - Very weak/transient advantages.

AGI  (FRA:GC6) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

AGI Moat Score Related Terms

FRA:GC6 vs OCFC, NBN, FMBL: Moat Score Comparison

For the Banks - Regional subindustry, AGI's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

AGI Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, AGI's Moat Score distribution charts can be found below:

* The bar in red indicates where AGI's Moat Score falls into.


FRA:GC6
10GF Score
AGI Inc FRA:GC6
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
AGI (FRA:GC6) has a Moat Score of 3 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, AGI ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is AGI's Moat Score too high?
AGI's current Moat Score is 3. Based on the distribution chart, AGI ranks #411 out of 1613 companies in the Banks industry, which is above the industry midpoint. Overall, AGI has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does AGI's Moat Score compare to OCFC and NBN?
According to the Banks industry distribution chart, AGI ranks #411 out of 1613 companies for Moat Score. This puts AGI in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. AGI's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGI stock overvalued right now?
AGI (FRA:GC6) has a current Moat Score of 3. The current Moat Score is 3. AGI's overall GF Score™ is 10/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For AGI (FRA:GC6), the current Moat Score is 3 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

AGI Business Description

Other Exchanges AGBK:USA
Address Rua Sergio Fernandes Borges Soares, 1000, Predio E1 Campinas, Sao Paulo, SP, BRA, 13054-709
AGI Inc is a technology-powered provider of specialized financial services in Brazil. It empowers clients to access their social security benefits, severance fund benefits, and public or private sector payrolls through secured lending solutions and complementary banking, credit and insurance products tailored as per client needs. The company has one operating segment related to the banking business. The Bank provides a standardized set of financial products and services exclusively to individuals, mainly focused on credit, including digital accounts, cards, payroll and personal loans, and insurance offered through partners.
10GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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