AGI Inc

AGI Inc

AGBK
AGI IncUS flagNew York Stock Exchange
6.75
USD
-0.10
- -
1.08BMarket Cap
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
14.57
20.04
30.01
40.43
44.04
Basic EPS, GAAP
1.06
2.64
4.95
6.49
5.57
Free Cash Flow per Basic Share
3.2
-0.71
2.37
-3.58
-8.39
Dividend per Share
- -
- -
1.12
- -
-0.71
Book Value per Share
- -
8.18
14.77
20.49
30.01
Tangible Book Value per Share
- -
6.79
13.52
19.35
28.58
Basic Weighted Avg Shares
160
160
160
160
146
Sales/Revenue/Turnover
2,330
3,204
4,800
6,466
6,418
Operating Margin (%)
- -
- -
- -
- -
- -
Depreciation Expense
120
135
165
202
218
Net Income, GAAP
169
422
791
1,038
812
Effective Tax Rate (%)
29.85
26.75
23.69
21.71
27.38
Profit Margin (%)
7.25
13.17
16.48
16.05
12.65
Working Capital
- -
- -
- -
- -
- -
LT Debt
- -
508
940
1,379
1,717
Total Equity
- -
1,305
2,477
3,277
4,799
Return on Invested Capital (%)
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
64.52
43.11
36.81
108.21

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
295
142
780
LT Borrowings
1,215
1,636
1,564
LT Finance Leases
165
128
152
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
160
160
160
Market Capitalization
- -
6,049
5,873

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,111
1,704
893
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
756
596
456
ST Debt
295
142
780
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
32.31%
Free Cash Flow
- -
- -
-250.83%
Net Income, GAAP
- -
- -
31.2%
Sales/Revenue/Turnover
- -
- -
34.72%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,382
- -
- -
- -
4,800
2025
1,474
1,378
1,979
1,636
6,466
2026
1,369
1,434
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4.95
2025
2.19
1.64
- -
1.34
6.49
2026
1.39
1.4
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.12
2025
0.63
0.02
- -
-0.95
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Marciano Testa
Full Time Employees
4,700
Sector
Financial Services
Industry
Banks - Regional
Address
Rua Sergio Fernandes Borges Soares Campinas SP Brazil 13054-709
IPO Date
Feb 10, 2026
Business
AGI Inc. is a Brazil-based financial services and technology company that operates as an integrated digital bank with a focus on consumer and SME banking, payments, and related financial solutions. Headquartered in Brazil, the company offers a comprehensive suite of financial products and services designed to support everyday banking, credit, and payment needs for individuals and businesses, leveraging digital platforms and network partnerships to deliver accessible financial services across its市场 footprint. Main Products and Services: core products and services encompass digital banking accounts and wallets; consumer and payroll loans; credit cards and loan facilities; digital payment solutions including transfers and bill payments; merchant acquiring and point-of-sale services; digital onboarding and identity verification; cash management and payroll services for employers; budgeting and financial management tools; insurance and protection products integrated with banking services; foreign exchange and international remittance capabilities; advisory and wealth management services for high-net-worth clients; corporate banking services for small and medium enterprises; APIs for fintech and partner integrations; and value-added services such as cashback programs, loyalty rewards, and analytics for businesses. Latest Major Company Changes: AGI Inc actively pursues strategic partnerships and alliances to expand its distribution network and product reach, including collaborations with fintechs and merchants to broaden payment acceptance and digital wallet usage; the company engages in acquisitions and investments to enhance its digital banking platform, expand credit capabilities, and broaden geographic coverage; it launches new digital banking features, payment rails, and consumer finance products to improve user experience and cross-sell opportunities; it implements operational reorganizations and product expansions to optimize profitability and scalability; there are ongoing efforts to rebrand or restructure product lines to align with regulatory changes and market demands; and it adapts its platform architecture to support enhanced security, compliance, and interoperability with third-party providers. Additional Context: AGI Inc operates within the financial services and fintech ecosystem, serving both consumer and SME segments with a focus on digital-first experiences. It targets individuals requiring accessible everyday banking, credit facilities, and payments, as well as businesses seeking efficient cash management, merchant services, and digital payment infrastructure. Geographic operations center on Brazil with potential expansion into international markets through partnerships and product transfers. The company maintains relationships with affiliates and, given its listed ticker, participates in public capital markets as part of its broader corporate strategy to fund growth and product development. Founding year is reported in corporate disclosures, and headquarters location is Brazil; the company may have subsidiaries or affiliated entities as part of its corporate structure.

Company News

  • New Strong Sell Stocks for September 3rd

  • S&P Upgrades Agibank's Credit Rating to 'brAA'

  • S&P Upgrades Agibank's Credit Rating to ‘brAA'

  • AGI Q2 Earnings Call Highlights

  • AGI Inc (AGBK) Q2 2026 Earnings Call Transcript

  • Agi Inc. Reports Second Quarter 2026 Results

  • Agibank Launches Agi+, Advancing Subscription Banking Strategy

  • Agibank Launches Agi+, Advancing Subscription Banking Strategy

  • Fitch Upgrades Agibank's Rating to ‘AA(bra)', with stable Outlook

  • Agibank Launches Proprietary Investment Platform for its Customers

  • Agibank Recognized as One of the World's Top Fintechs in 'The World's Top Fintech Companies' 2026 List

  • Agibank Recognized as One of the World's Top Fintechs in 'The World's Top Fintech Companies' 2026 List

  • Agi to Announce Second Quarter 2026 Financial Results on August 5, 2026

  • Agibank Concludes Its Seventh Issuance of Public Financial Bills in Brazil

  • Agibank Concludes Its Seventh Issuance of Public Financial Bills in Brazil

  • Moody's Local Upgrades Agibank's National Rating to ‘AA.br', with Stable Outlook

  • AGI Inc (AGBK) Q1 2026 Earnings Call Transcript

  • Agi Inc. Reports First Quarter 2026 Results

  • Agibank Closes Second FIDC Structuring, Raises R$2.5 Billion

  • Agi to Announce First Quarter 2026 Financial Results on May 5, 2026