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AGBK

AGI Inc

Price Chart
Latest Quote

$7.02

-0.06 (-0.85%)
Current Price
Previous Close $7.08
Open $7.17
Day High $7.20
Day Low $7.00
Volume 136,816
Fetched: 2026-07-17T10:25:22
Stock Information
Note: Financial values converted from BRL to USD
Shares Outstanding 58.70M
Total Debt $3.10B
Cash Equivalents $810.66M
Revenue $712.82M
Net Income $171.09M
Sector Financial Services
Industry Banks - Regional
Market Cap $1.11B
P/E Ratio 6.53
EPS (TTM) $1.06
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$12.83B
Sales$712.82M
Income$171.09M
Book/sh$5.69
Cash/sh$70.58
Financial Ratios
Quick Ratio1.48
Current Ratio1.52
Debt/Eq340.78
EPS Growth TTM-46.70%
Returns & Margins
Gross Margin68.77%
Operating Margin26.16%
Profit Margin24.00%
Ownership
Insider Ownership14.26%
Institutional Ownership86.49%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E3.66
PEG0.16
P/S0.30
P/B1.22
Analyst Data
Recommendationstrong_buy
Target Price$13.93
Technical Indicators
SMA20$7.06
SMA50$7.04
RSI48.94
ATR0.2829
Shares Float21.20M
Short Float8.64%
Short Ratio5.01
Rel Volume1.45
Performance History
Week-4.95%
Month-1.14%
Quarter-4.95%
YTD-35.63%
10 Years-35.63%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-07-17 $6.92 384,000
2026-07-16 $7.02 148,800
2026-07-15 $7.08 479,100
2026-07-14 $7.07 143,800
2026-07-13 $7.12 129,000
2026-07-10 $7.28 141,000
2026-07-09 $7.26 54,900
2026-07-08 $7.07 160,900
2026-07-07 $7.05 65,700
2026-07-06 $7.23 237,600
2026-07-02 $7.11 144,700
2026-07-01 $7.19 381,600
2026-06-30 $7.08 211,500
2026-06-29 $7.17 361,900
2026-06-26 $6.95 421,400
2026-06-25 $6.87 261,600
2026-06-24 $6.88 444,400
2026-06-23 $6.91 222,600
2026-06-22 $6.94 294,100
2026-06-18 $6.93 595,500
Period:
Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Total Revenue $1,267,440,697 $940,803,238 $628,056,171 $456,781,720
Operating Revenue $1,267,440,697 $940,803,238 $628,056,171 $456,781,720
Expenses
Interest Expense $828,729,265 $484,701,082 $349,568,189 $194,370,613
Rent Expense Supplemental $32,376,416 $24,864,949 $17,598,102 $13,148,300
Other Non Operating Income Expenses $-9,966,482 $-8,310,400 $570,191 $304,794
Selling And Marketing Expense $6,689,404 $10,767,180 $6,737,230 $4,181,661
General And Administrative Expense $487,811,749 $336,626,286 $248,135,950 $212,362,694
Professional Expense And Contract Services Expense $37,704,339 $45,819,710 $27,130,620 $15,098,201
Other Non Interest Expense $90,359,284 $80,703,477 $51,717,433 $39,605,041
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $203,424,868 $155,046,061 $82,714,139 $32,838,606
Net Interest Income $1,037,766,074 $821,763,684 $573,463,479 $409,971,967
Interest Income $1,866,495,339 $1,306,464,766 $923,031,667 $604,342,580
Normalized Income $203,424,868 $155,046,061 $82,714,139 $32,838,606
Net Income From Continuing And Discontinued Operation $203,424,868 $155,046,061 $82,714,139 $33,103,022
Net Income Common Stockholders $203,424,868 $155,046,061 $82,714,139 $33,103,022
Net Income $203,424,868 $155,046,061 $82,714,139 $33,103,022
Net Income Including Noncontrolling Interests $205,145,829 $155,701,124 $83,511,309 $33,846,289
Net Income Continuous Operations $205,145,829 $155,701,124 $83,511,309 $33,581,873
Pretax Income $262,029,282 $204,047,785 $114,005,840 $47,874,083
Depreciation Amortization Depletion Income Statement $39,567,995 $32,310,557 $26,433,415 $23,490,141
Depreciation And Amortization In Income Statement $39,567,995 $32,310,557 $26,433,415 $23,490,141
Net Income Discontinuous Operations - $0 $0 $264,416
Per Share
Diluted EPS $1.27 $0.97 $0.52 $0.21
Basic EPS $1.27 $0.97 $0.52 $0.21
Other
Tax Effect Of Unusual Items $0 $0 $0 $0
Tax Rate For Calcs $0 $0 $0 $0
Reconciled Depreciation $39,567,995 $32,310,557 $26,433,415 $23,490,141
Diluted Average Shares $31,347,773 $31,347,773 $31,347,773 $31,347,773
Basic Average Shares $31,347,773 $31,347,773 $31,347,773 $31,347,773
Diluted NI Availto Com Stockholders $203,424,868 $155,046,061 $82,714,139 $33,103,022
Minority Interests $-1,720,961 $-655,063 $-797,170 $-743,267
Tax Provision $56,883,452 $48,346,662 $30,494,531 $14,292,210
Gain On Sale Of Security $59,433,729 $15,756,988 $15,925,556 $20,414,167
Selling General And Administration $494,501,152 $347,393,466 $254,873,180 $216,544,355
Other Gand A $180,151,710 $158,823,551 $120,177,779 $100,004,311
Insurance And Claims $172,442,666 $64,956,093 $24,361,206 $18,358,030
Rent And Landing Fees $32,376,416 $24,864,949 $17,598,102 $13,148,300
Salaries And Wages $102,840,957 $87,981,692 $85,998,862 $80,852,052
Fetched: 2026-07-16
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31
Assets
Net Tangible Assets $606,581,006 $423,955,267 $212,866,046
Total Assets $9,361,516,445 $5,785,205,369 $3,794,617,946
Goodwill And Other Intangible Assets $35,713,865 $39,036,418 $43,521,110
Other Intangible Assets $35,685,052 $39,007,605 $43,492,296
Prepaid Assets $59,376,298 $46,988,905 $27,291,544
Receivables $74,135,011 $49,965,894 $24,531,538
Other Receivables $74,135,011 $49,965,894 $24,531,538
Cash And Cash Equivalents $217,835,860 $89,023,677 $69,325,336
Cash Financial $64,152,455 $45,164,451 $52,402,681
Cash Cash Equivalents And Federal Funds Sold $241,117,055 $89,023,677 $69,325,336
Debt
Net Debt $61,757,222 $107,453,251 $2,010,075
Total Debt $328,258,259 $246,381,275 $111,860,911
Long Term Debt And Capital Lease Obligation $270,389,272 $184,182,248 $99,503,900
Long Term Debt $238,058,330 $148,817,083 $71,335,410
Current Debt And Capital Lease Obligation $57,868,987 $62,199,027 $12,357,011
Current Debt $41,534,752 $47,659,845 -
Other Current Borrowings $41,534,752 $47,659,845 -
Liabilities
Total Liabilities Net Minority Interest $8,719,221,574 $5,299,746,516 $3,538,788,829
Derivative Product Liabilities $22,556,156 $1,644,126 $4,796,150
Non Current Deferred Liabilities $75,046,846 $40,546,473 $38,081,461
Non Current Deferred Taxes Liabilities $75,046,846 $40,546,473 $38,081,461
Payables And Accrued Expenses $148,233,759 $72,446,587 $45,550,590
Payables $148,233,759 $72,446,587 $45,550,590
Total Tax Payable $75,587,243 $28,747,501 $15,177,976
Income Tax Payable $75,587,243 $28,747,501 $15,177,976
Accounts Payable $72,646,516 $43,699,086 $30,372,613
Equity
Common Stock Equity $642,294,871 $462,991,685 $256,387,155
Total Equity Gross Minority Interest $642,294,871 $485,458,854 $255,829,117
Stockholders Equity $642,294,871 $462,991,685 $256,387,155
Gains Losses Not Affecting Retained Earnings $106,024,343 $124,960,209 $0
Other Equity Adjustments $106,024,343 $124,960,209 -
Retained Earnings $22,572,425 $10,334,784 $0
Other Equity Interest - - $256,387,155
Other
Ordinary Shares Number $31,347,773 $31,347,773 $31,347,773
Share Issued $31,347,773 $31,347,773 $31,347,773
Tangible Book Value $606,581,006 $423,955,267 $212,866,046
Invested Capital $921,887,953 $659,468,613 $327,722,566
Capital Lease Obligations $48,665,177 $49,904,347 $40,525,500
Total Capitalization $880,353,201 $611,808,768 $327,722,566
Minority Interest $0 $22,467,168 $-558,038
Treasury Stock $254,224 $226,783 $0
Capital Stock $513,952,326 $327,923,475 -
Common Stock $513,952,326 $327,923,475 -
Employee Benefits $45,478,654 $40,248,147 $22,822,925
Long Term Capital Lease Obligation $32,330,942 $35,365,165 $28,168,489
Long Term Provisions $61,662,942 $60,110,157 $46,782,508
Current Capital Lease Obligation $16,334,235 $14,539,182 $12,357,011
Investments And Advances $2,134,409,406 $785,648,784 $508,908,420
Available For Sale Securities $2,134,409,406 $782,827,427 $501,098,628
Goodwill $28,813 $28,813 $28,813
Net PPE $59,608,373 $55,124,857 $44,484,103
Accumulated Depreciation $-14,619,742 $-11,912,070 $-10,078,600
Gross PPE $74,228,115 $67,036,928 $54,562,703
Other Properties $47,092,398 $46,787,800 $38,280,215
Machinery Furniture Equipment $27,135,717 $20,249,128 $16,282,488
Other Short Term Investments $0 $2,821,357 $7,809,793
Leases - $3,036,967 $1,543,769
Fetched: 2026-07-16
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $-112,119,055 $74,334,548 $-22,278,607 $100,239,718
Operating Activities
Operating Cash Flow $-80,289,897 $95,464,149 $-6,530,440 $119,601,512
Cash Flow From Continuing Operating Activities $-80,289,897 $95,464,149 $-6,530,440 $119,601,512
Operating Gains Losses $403,387 $369,477 $715,042 $-159,160
Investing Activities
Capital Expenditure $-31,829,158 $-21,129,601 $-15,748,167 $-19,361,794
Investing Cash Flow $-31,829,158 $-21,129,601 $-15,287,741 $-19,361,794
Cash Flow From Continuing Investing Activities $-31,829,158 $-21,129,601 $-15,287,741 $-19,361,794
Financing Activities
Financing Cash Flow $3,896,272 $112,270,570 $-13,672,429 $-14,478,419
Cash Flow From Continuing Financing Activities $3,896,272 $112,270,570 $-13,672,429 $-14,478,419
Cash Dividends Paid $0 $-35,241,287 $0 $0
Net Other Financing Charges - $76,575,130 - -
Other
Repayment Of Debt $-65,472,186 $-14,872,202 $-13,672,429 $-14,478,419
Issuance Of Debt $69,368,458 $85,808,929 $0 $0
End Cash Position $167,250,577 $275,473,360 $88,868,242 $124,358,853
Beginning Cash Position $275,473,360 $88,868,242 $124,358,853 $38,597,553
Changes In Cash $-108,222,783 $186,605,118 $-35,490,611 $85,761,299
Net Issuance Payments Of Debt $3,896,272 $70,936,728 $-13,672,429 $-14,478,419
Net Long Term Debt Issuance $3,896,272 $70,936,728 $-13,672,429 $-14,478,419
Long Term Debt Payments $-65,472,186 $-14,872,202 $-13,672,429 $-14,478,419
Long Term Debt Issuance $69,368,458 $85,808,929 $0 $0
Net Business Purchase And Sale $0 $0 $460,426 $0
Sale Of Business $0 $0 $460,426 $0
Net Intangibles Purchase And Sale $-21,536,908 $-15,854,992 $-13,951,350 $-17,857,031
Purchase Of Intangibles $-21,536,908 $-15,854,992 $-13,951,350 $-17,857,031
Net PPE Purchase And Sale $-10,292,250 $-5,274,609 $-1,796,817 $-1,504,763
Purchase Of PPE $-10,292,250 $-5,274,609 $-1,796,817 $-1,504,763
Taxes Refund Paid $-94,237,523 $-76,420,674 $-37,852,130 $-8,964,679
Change In Working Capital $-12,005,763 $96,323,846 $13,129,484 $152,888,979
Change In Other Working Capital $-1,799,731,844 $-364,338,074 $-79,019,169 $-199,250,459
Change In Other Current Liabilities $1,847,627,097 $514,184,793 $112,281,351 $342,060,838
Change In Other Current Assets $-76,066,682 $-84,559,763 $-29,835,940 $-36,037,085
Other Non Cash Items $19,560,547 $15,244,227 $4,366,694 $3,642,048
Deferred Tax $56,883,452 $48,346,662 $30,494,531 $14,292,210
Deferred Income Tax $56,883,452 $48,346,662 $30,494,531 $14,292,210
Depreciation Amortization Depletion $39,567,995 $32,310,557 $26,433,415 $23,490,141
Depreciation And Amortization $39,567,995 $32,310,557 $26,433,415 $23,490,141
Gain Loss On Sale Of PPE $403,387 $369,477 $715,042 $301,266
Net Income From Continuing Operations $205,145,829 $155,701,124 $83,511,309 $33,846,289
Interest Paid Cfo - $0 $0 $-51,354
Gain Loss On Sale Of Business - $0 $0 $-460,426
Fetched: 2026-07-16