AGIFRA:GC6 +0.83%10 Return-on-Tangible-Equity is 20.28% as of Mar. 2026, which is 51% below its 10-year median of 41.28. GuruFocus rates FRA:GC6 with a GF Score™ of 10/100. Among 1,523 Banks companies, AGI ranks better than 52.07% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. AGI's annualized net income for the quarter that ended in Mar. 2026 was €123.4 Mil. AGI's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €608.7 Mil. Therefore, AGI's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 20.28%.
The historical rank and industry rank for AGI's Return-on-Tangible-Equity or its related term are showing as below:
FRA:GC6'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.52 Med: 41.28 Max: 45.01
Current: 11.52
During the past 4 years, AGI's highest Return-on-Tangible-Equity was 45.01%. The lowest was 11.52%. And the median was 41.28%.
FRA:GC6's Return-on-Tangible-Equity is ranked better than 52.07% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs FRA:GC6: 11.52
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
AGI Return-on-Tangible-Equity Related Terms
AGI Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for AGI's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, AGI's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, AGI's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where AGI's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 20.28% mean?
AGI (FRA:GC6) has a Return-on-Tangible-Equity of 20.28% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on AGI and its competitors. This is 51% below median its historical median of 41.28. Over the past decade, AGI's Return-on-Tangible-Equity has ranged from 11.52 to 45.01. According to the industry distribution chart, AGI ranks #730 out of 1523 companies in the Banks industry, placing it in the top 47.9%.
Is AGI's Return-on-Tangible-Equity too high?
AGI's current Return-on-Tangible-Equity of 20.28% is 51% below median its 10-year median of 41.28. Over the past 10 years, this metric has ranged from a low of 11.52 to a high of 45.01. The Banks industry median Return-on-Tangible-Equity is 11.19. AGI's value of 20.28% is 81.2% above this industry median. Based on the distribution chart, AGI ranks #730 out of 1523 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 Return-on-Tangible-Equity compare to OCFC and NBN?
According to the Banks industry distribution chart, AGI ranks #730 out of 1523 companies for Return-on-Tangible-Equity. This puts AGI in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. AGI's value of 20.28% is 81.2% above this benchmark. Historically, AGI's own Return-on-Tangible-Equity has ranged from 11.52 to 45.01 over the past decade. While the company's 10-year median is 41.28 vs. the industry median of 11.19, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AGI's current Return-on-Tangible-Equity of 20.28% is 81.2% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on AGI and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AGI's current Return-on-Tangible-Equity is 20.28%, which is 51% below median its own 10-year median of 41.28. 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-Equity of 20.28%. The current Return-on-Tangible-Equity is 20.28%, which is 51% below median its 10-year median of 41.28 and 81.2% above the Banks industry median of 11.19. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For AGI (FRA:GC6), the current Return-on-Tangible-Equity is 20.28% 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.
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