Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AGIFRA:GC6 10 Return-on-Tangible-Asset is 1.57% as of Mar. 2026, which is 44% below its 10-year median of 2.81. GuruFocus rates FRA:GC6 with a GF Score™ of 10/100. Among 1,529 Banks companies, AGI ranks worse than 59.78% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. AGI's annualizedNet Income for the quarter that ended in Mar. 2026 was €123.4 Mil. AGI's average total tangible assets for the quarter that ended in Mar. 2026 was €7,856.4 Mil. Therefore, AGI's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.57%.
The historical rank and industry rank for AGI's Return-on-Tangible-Asset or its related term are showing as below:
FRA:GC6'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.85 Med: 2.81 Max: 2.98
Current: 0.85
During the past 4 years, AGI's highest Return-on-Tangible-Asset was 2.98%. The lowest was 0.85%. And the median was 2.81%.
FRA:GC6's Return-on-Tangible-Asset is ranked worse than 59.78% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs FRA:GC6: 0.85
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
AGI Return-on-Tangible-Asset Related Terms
AGI Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for AGI's Return-on-Tangible-Asset 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.
FRA:GC6 vs OCFC, NBN, FMBL: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, AGI's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, AGI's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where AGI's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.57% mean?
AGI (FRA:GC6) has a Return-on-Tangible-Asset of 1.57% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on AGI and its competitors. This is 44% below median its historical median of 2.81. Over the past decade, AGI's Return-on-Tangible-Asset has ranged from 0.85 to 2.98. According to the industry distribution chart, AGI ranks #914 out of 1529 companies in the Banks industry, placing it in the top 59.8%.
Is AGI's Return-on-Tangible-Asset too high?
AGI's current Return-on-Tangible-Asset of 1.57% is 44% below median its 10-year median of 2.81. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 2.98. The Banks industry median Return-on-Tangible-Asset is 0.99. AGI's value of 1.57% is 58.6% above this industry median. Based on the distribution chart, AGI ranks #914 out of 1529 companies in the Banks industry, which is below 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 Return-on-Tangible-Asset compare to OCFC and NBN?
According to the Banks industry distribution chart, AGI ranks #914 out of 1529 companies for Return-on-Tangible-Asset. This places AGI in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. AGI's value of 1.57% is 58.6% above this benchmark. Historically, AGI's own Return-on-Tangible-Asset has ranged from 0.85 to 2.98 over the past decade. While the company's 10-year median is 2.81 vs. the industry median of 0.99, AGI has consistently been above 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AGI's current Return-on-Tangible-Asset of 1.57% is 58.6% above 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on AGI and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AGI's current Return-on-Tangible-Asset is 1.57%, which is 44% below median its own 10-year median of 2.81. 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 Return-on-Tangible-Asset of 1.57%. The current Return-on-Tangible-Asset is 1.57%, which is 44% below median its 10-year median of 2.81 and 58.6% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For AGI (FRA:GC6), the current Return-on-Tangible-Asset is 1.57% as of Mar. 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.
10GF Score
Get the complete analysis for FRA:GC6
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:GC6 has been successfully added to your 
