AGI Inc

AGBK · NYSE · Financial Services / Banks - Regional

6.26USD-0.06 (-0.95%)

Price History

Full chart

Market Stats

Previous Close6.32

Open6.46

Day Range6.16 – 6.46

52-Week Range5.73 – 12.21

Volume267.10K

Market Cap1.52B

P/E (TTM)5.87

Forward P/E3.32

EPS0.99

Dividend Yield0.00%

50-Day Avg6.51

200-Day Avg7.59

About

AGI Inc provides technology-powered specialized financial services in Brazil. The company offers social security benefits; severance fund benefits; public or private sector payrolls through secured lending solutions; and complementary banking, credit, and insurance products. It provides its services through cloud-based software, AI-driven automation, and mobile applications. The company was founded in 1999 and is based in Campinas, Brazil.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Marciano Testa
Employees4.70K
HeadquartersRua Sergio Fernandes Borges Soares, Campinas, SP, Brazil, 13054-709, USA
Websitehttps://agibank.com.br

Leadership

Mr. Marciano TestaFounder, CEO & Chairman · b. 1976
Mr. Divyansh GargCo-Founder
Mr. Naman GargCo-Founder
Mr. Marcello Winik DubeuxChief Financial & Investor Relations Officer · b. 1980
Mr. Glauber Marques CorreaCOO & Director · b. 1974
Mr. Matheus GirardiChief Sales Officer · b. 1990
Mr. Lucas Araujo de AguiarChief People & Governance Officer · b. 1986
Mr. Daniel Antonio PiresChief Data & Credit Officer · b. 1985
Mr. Daniel Monteiro de FariasChief Products Officer · b. 1982
Felipe Gaspar OliveiraHead of Investor Relations

Financials

Income Statement

Currency: BRL	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	3.32B	4.99B	7.27B	10.69B
Growth (%)	-	+50.14%	+45.81%	+47.05%
Cost of Revenue	1.67B	2.70B	3.94B	5.93B
Gross Profit	1.65B	2.29B	3.33B	4.77B
Gross Margin	49.75%	45.95%	45.85%	44.56%
Operating Expense	1.41B	1.71B	2.29B	3.43B
Operating Income	244.24M	581.63M	1.04B	1.34B
Operating Margin	7.35%	11.66%	14.31%	12.50%
EBITDA	364.09M	716.49M	1.21B	1.54B
EBITDA Margin	10.96%	14.37%	16.58%	14.39%
Net Income	168.88M	421.99M	791.01M	1.04B
Net Income Margin	5.08%	8.46%	10.88%	9.70%
Interest Expense	1.09B	1.91B	2.80B	4.23B
Interest Expense % of Total Revenue	32.67%	38.25%	38.56%	39.54%

Balance Sheet

Currency: BRL	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	-	19.36B	29.51B	47.76B
Total Liabilities	-	18.05B	27.04B	44.48B
Total Equity	-	1.31B	2.36B	3.28B
Cash	-	353.68M	454.18M	1.11B
Total Debt	-	578.22M	1.26B	4.93B
Net Debt	-	224.53M	809.03M	3.81B

Cash Flow

Currency: BRL	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	610.18M	-33.32M	487.04M	-409.62M
Investing Cash Flow	-98.78M	-78.00M	-107.80M	-162.39M
Financing Cash Flow	-73.87M	-69.75M	572.78M	19.88M
Capital Expenditure	98.78M	80.34M	107.80M	162.39M
Free Cash Flow	511.40M	-113.66M	379.24M	-572.01M
Dividends Paid	0	0	179.79M	0
FCF to OCF	83.81%	341.15%	77.87%	139.64%
Dividend Paid to FCF	0.00%	0.00%	47.41%	0.00%

Earnings

Report Date	Dec 31, 2025	May 5, 2026	Aug 5, 2026	Nov 4, 2026
EPS Estimate	1.34	1.25	0.28	0.31
EPS Actual	1.34	1.39	0.28	-
Surprise	0.15%	11.20%	0.00%	-
Timing	-	After-hours	After-hours	-

Key Statistics & Ratios

Market Cap1.52B

Enterprise Value17.70B

Trailing P/E5.87

Forward P/E3.32

PEG Ratio0.20

Price / Sales0.43

Price / Book0.99

EPS0.99

Book Value5.85

Revenue (TTM)3.49B

Gross Profit (TTM)2.22B

EBITDA6.01B

Profit Margin23.28%

Operating Margin11.06%

Return on Equity36.38%

Return on Assets2.71%

Shares Outstanding58.61M

Shares Float21.66M

Dividend Yield0.00%

Dividend Rate0.00

Payout Ratio0.00%

Ownership Breakdown

Institutions: 86.94%
Insiders: 14.26%
Retail / Other: 0.00%

Top Institutional Holders

Capital World Investors
2.23M1.39%
BlackRock Inc
2.09M1.31%
Point72 Asset Management, L.P.
1.34M0.84%
NORGES BANK
1.25M0.78%
Fidelity International Ltd
1.22M0.77%
Advent International LP
1.13M0.70%
Marshall Wace Asset Management Ltd
963.71K0.60%
Verde Servicos Internacionais S.A.
784.97K0.49%
Balyasny Asset Management LLC
545.37K0.34%
Teacher Retirement System Of Texas
500.00K0.31%
JPMorgan Chase & Co
394.37K0.25%
Wealth High Governance Capital Ltda.
280.64K0.18%
BW Gestao de Investimentos Ltda
280.64K0.18%
Centiva Capital LP
265.00K0.17%
Ghisallo Capital Management LLC
200.00K0.13%
Jane Street Group LLC
158.23K0.10%
HRT FINANCIAL LLC
144.84K0.09%

Top Fund Holders

American Funds SMALLCAP World A
2.17M1.36%
Mackenzie GQE Emerging Markets F
420.82K0.26%
BlackRock Latin American Ord
404.30K0.25%