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AGIAGBK -2.52%10 Net Margin % is 13.96% as of Jun. 2026, which is 4% below its 10-year median of 14.61. GuruFocus rates AGBK with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,526 Banks companies, AGI ranks worse than 85.06% on this metric.
Net margin is calculated as Net Income divided by its Revenue. AGI's Net Income for the
three
months ended in Jun. 2026 was $39 Mil. AGI's Revenue for the
three
months ended in Jun. 2026 was $280 Mil. Therefore, AGI's net margin for the quarter that ended in Jun. 2026 was 13.96%.
The historical rank and industry rank for AGI's Net Margin % or its related term are showing as below:
AGBK'
s Net Margin % Range Over the Past 10 Years
Min: 7.25 Med: 14.61 Max: 16.48
Current: 12.67
AGBK's Net Margin % is ranked worse than 85.06% of 1526
companies
in the Banks industry
Industry Median: 27.095
vs AGBK: 12.67
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
AGI Net Margin % Related Terms
AGI Net Margin % Historical Data
* Premium members only.
The historical data trend for AGI's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, AGI's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AGI's Net Margin % distribution charts can be found below:
* The bar in red indicates where AGI's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AGI (AGBK) has a Net Margin % of 13.96% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on AGI and its competitors. This is near median its historical median of 14.61. Over the past decade, AGI's Net Margin % has ranged from 7.25 to 16.48. According to the industry distribution chart, AGI ranks #1298 out of 1526 companies in the Banks industry, placing it in the top 85.1%.
Is AGI's Net Margin % too high?
AGI's current Net Margin % of 13.96% is near median its 10-year median of 14.61. Over the past 10 years, this metric has ranged from a low of 7.25 to a high of 16.48. The Banks industry median Net Margin % is 27.10. AGI's value of 13.96% is 48.5% below this industry median. Based on the distribution chart, AGI ranks #1298 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, AGI has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does AGI's Net Margin % compare to CFFN and MCBS?
According to the Banks industry distribution chart, AGI ranks #1298 out of 1526 companies for Net Margin %. This places AGI in the lower half of its industry. The industry median Net Margin % is 27.10. AGI's value of 13.96% is 48.5% below this benchmark. Historically, AGI's own Net Margin % has ranged from 7.25 to 16.48 over the past decade. While the company's 10-year median is 14.61 vs. the industry median of 27.10, AGI has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AGI's current Net Margin % of 13.96% is 48.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on AGI and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AGI's current Net Margin % is 13.96%, which is near median its own 10-year median of 14.61. 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 (AGBK) has a current Net Margin % of 13.96%. The current Net Margin % is 13.96%, which is near median its 10-year median of 14.61 and 48.5% below the Banks industry median of 27.10. AGI's overall GF Score™ is 10/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For AGI (AGBK), the current Net Margin % is 13.96% as of Jun. 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 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.
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