AGBK

AGI Inc

Price Chart

No historical data available

Latest Quote

$6.53

+0.32 (+5.15%)

Current Price

Previous Close	$6.21
Open	$6.27
Day High	$6.56
Day Low	$6.27
Volume	149,931

Fetched: 2026-09-01T16:23:00

Stock Information

Note: Financial values converted from BRL to USD

Shares Outstanding	58.61M
Total Debt	$3.83B
Cash Equivalents	$571.94M
Revenue	$677.63M
Net Income	$157.72M
Sector	Financial Services
Industry	Banks - Regional
Market Cap	$1.04B
P/E Ratio	2.44
EPS (TTM)	$2.68
Exchange	NYQ

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Recent Price History

No history data available. Data will be fetched automatically.

About AGI Inc

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.

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Period:

Income Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Revenue
Total Revenue	$1,242,215,614	$922,079,017	$615,556,360	$447,690,678
Operating Revenue	$1,242,215,614	$922,079,017	$615,556,360	$447,690,678
Expenses
Interest Expense	$812,235,583	$475,054,378	$342,610,951	$190,502,175
Rent Expense Supplemental	$31,732,048	$24,370,078	$17,247,858	$12,886,618
Other Non Operating Income Expenses	$-9,768,126	$-8,145,003	$558,843	$298,728
Selling And Marketing Expense	$6,556,269	$10,552,888	$6,603,143	$4,098,436
General And Administrative Expense	$478,103,135	$329,926,623	$243,197,455	$208,136,171
Professional Expense And Contract Services Expense	$36,953,933	$44,907,789	$26,590,657	$14,797,710
Other Non Interest Expense	$88,560,920	$79,097,286	$50,688,133	$38,816,807
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$199,376,230	$151,960,276	$81,067,931	$32,185,039
Net Interest Income	$1,017,112,062	$805,408,634	$562,050,192	$401,812,551
Interest Income	$1,829,347,645	$1,280,463,012	$904,661,143	$592,314,726
Normalized Income	$199,376,230	$151,960,276	$81,067,931	$32,185,039
Net Income From Continuing And Discontinued Operation	$199,376,230	$151,960,276	$81,067,931	$32,444,193
Net Income Common Stockholders	$199,376,230	$151,960,276	$81,067,931	$32,444,193
Net Income	$199,376,230	$151,960,276	$81,067,931	$32,444,193
Net Income Including Noncontrolling Interests	$201,062,940	$152,602,301	$81,849,235	$33,172,668
Net Income Continuous Operations	$201,062,940	$152,602,301	$81,849,235	$32,913,514
Pretax Income	$256,814,276	$199,986,749	$111,736,853	$46,921,275
Depreciation Amortization Depletion Income Statement	$38,780,498	$31,667,500	$25,907,328	$23,022,631
Depreciation And Amortization In Income Statement	$38,780,498	$31,667,500	$25,907,328	$23,022,631
Net Income Discontinuous Operations	-	$0	$0	$259,154
Per Share
Diluted EPS	$1.25	$0.95	$0.51	$0.20
Basic EPS	$1.25	$0.95	$0.51	$0.20
Other
Tax Effect Of Unusual Items	$0	$0	$0	$0
Tax Rate For Calcs	$0	$0	$0	$0
Reconciled Depreciation	$38,780,498	$31,667,500	$25,907,328	$23,022,631
Diluted Average Shares	$30,723,878	$30,723,878	$30,723,878	$30,723,878
Basic Average Shares	$30,723,878	$30,723,878	$30,723,878	$30,723,878
Diluted NI Availto Com Stockholders	$199,376,230	$151,960,276	$81,067,931	$32,444,193
Minority Interests	$-1,686,710	$-642,026	$-781,304	$-728,474
Tax Provision	$55,751,337	$47,384,448	$29,887,617	$14,007,762
Gain On Sale Of Security	$58,250,856	$15,443,386	$15,608,599	$20,007,877
Selling General And Administration	$484,659,404	$340,479,510	$249,800,598	$212,234,608
Other Gand A	$176,566,262	$155,662,585	$117,785,956	$98,013,988
Insurance And Claims	$169,010,647	$63,663,313	$23,876,360	$17,992,662
Rent And Landing Fees	$31,732,048	$24,370,078	$17,247,858	$12,886,618
Salaries And Wages	$100,794,178	$86,230,647	$84,287,281	$79,242,904

Fetched: 2026-08-28

Balance Sheet (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31
Assets
Net Tangible Assets	$594,508,602	$415,517,550	$208,629,505
Total Assets	$9,175,200,015	$5,670,066,031	$3,719,096,029
Goodwill And Other Intangible Assets	$35,003,075	$38,259,501	$42,654,936
Other Intangible Assets	$34,974,835	$38,231,261	$42,626,696
Prepaid Assets	$58,194,569	$46,053,715	$26,748,377
Receivables	$72,659,548	$48,971,454	$24,043,302
Other Receivables	$72,659,548	$48,971,454	$24,043,302
Cash And Cash Equivalents	$213,500,409	$87,251,894	$67,945,597
Cash Financial	$62,875,669	$44,265,571	$51,359,743
Cash Cash Equivalents And Federal Funds Sold	$236,318,252	$87,251,894	$67,945,597
Debt
Net Debt	$60,528,107	$105,314,676	$1,970,070
Total Debt	$321,725,139	$241,477,702	$109,634,613
Long Term Debt And Capital Lease Obligation	$265,007,883	$180,516,583	$97,523,536
Long Term Debt	$233,320,404	$145,855,269	$69,915,666
Current Debt And Capital Lease Obligation	$56,717,257	$60,961,119	$12,111,077
Current Debt	$40,708,112	$46,711,301	-
Other Current Borrowings	$40,708,112	$46,711,301	-
Liabilities
Total Liabilities Net Minority Interest	$8,545,688,339	$5,194,268,962	$3,468,358,520
Derivative Product Liabilities	$22,107,235	$1,611,404	$4,700,696
Non Current Deferred Liabilities	$73,553,235	$39,739,502	$37,323,550
Non Current Deferred Taxes Liabilities	$73,553,235	$39,739,502	$37,323,550
Payables And Accrued Expenses	$145,283,555	$71,004,728	$44,644,025
Payables	$145,283,555	$71,004,728	$44,644,025
Total Tax Payable	$74,082,877	$28,175,357	$14,875,898
Income Tax Payable	$74,082,877	$28,175,357	$14,875,898
Accounts Payable	$71,200,678	$42,829,371	$29,768,126
Equity
Common Stock Equity	$629,511,676	$453,777,050	$251,284,441
Total Equity Gross Minority Interest	$629,511,676	$475,797,068	$250,737,509
Stockholders Equity	$629,511,676	$453,777,050	$251,284,441
Gains Losses Not Affecting Retained Earnings	$103,914,207	$122,473,204	$0
Other Equity Adjustments	$103,914,207	$122,473,204	-
Retained Earnings	$22,123,180	$10,129,097	$0
Other Equity Interest	-	-	$251,284,441
Other
Ordinary Shares Number	$30,723,878	$30,723,878	$30,723,878
Share Issued	$30,723,878	$30,723,878	$30,723,878
Tangible Book Value	$594,508,602	$415,517,550	$208,629,505
Invested Capital	$903,540,192	$646,343,620	$321,200,108
Capital Lease Obligations	$47,696,624	$48,911,132	$39,718,947
Total Capitalization	$862,832,080	$599,632,319	$321,200,108
Minority Interest	$0	$22,020,018	$-546,932
Treasury Stock	$249,164	$222,269	$0
Capital Stock	$503,723,453	$321,397,019	-
Common Stock	$503,723,453	$321,397,019	-
Employee Benefits	$44,573,521	$39,447,114	$22,368,695
Long Term Capital Lease Obligation	$31,687,479	$34,661,314	$27,607,869
Long Term Provisions	$60,435,703	$58,913,822	$45,851,425
Current Capital Lease Obligation	$16,009,145	$14,249,818	$12,111,077
Investments And Advances	$2,091,929,586	$770,012,506	$498,779,933
Available For Sale Securities	$2,091,929,586	$767,247,300	$491,125,574
Goodwill	$28,240	$28,240	$28,240
Net PPE	$58,422,025	$54,027,742	$43,598,764
Accumulated Depreciation	$-14,328,774	$-11,674,992	$-9,878,012
Gross PPE	$72,750,799	$65,702,733	$53,476,775
Other Properties	$46,155,148	$45,856,612	$37,518,347
Machinery Furniture Equipment	$26,595,651	$19,846,122	$15,958,428
Other Short Term Investments	$0	$2,765,205	$7,654,359
Leases	-	$2,976,524	$1,513,044

Fetched: 2026-08-28

Cash Flow Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Free Cash Flow
Free Cash Flow	$-109,887,619	$72,855,114	$-21,835,210	$98,244,710
Operating Activities
Operating Cash Flow	$-78,691,937	$93,564,186	$-6,400,469	$117,221,158
Cash Flow From Continuing Operating Activities	$-78,691,937	$93,564,186	$-6,400,469	$117,221,158
Operating Gains Losses	$395,359	$362,124	$700,811	$-155,992
Investing Activities
Capital Expenditure	$-31,195,682	$-20,709,072	$-15,434,741	$-18,976,448
Investing Cash Flow	$-31,195,682	$-20,709,072	$-14,983,479	$-18,976,448
Cash Flow From Continuing Investing Activities	$-31,195,682	$-20,709,072	$-14,983,479	$-18,976,448
Financing Activities
Financing Cash Flow	$3,818,727	$110,036,119	$-13,400,315	$-14,190,264
Cash Flow From Continuing Financing Activities	$3,818,727	$110,036,119	$-13,400,315	$-14,190,264
Cash Dividends Paid	$0	$-34,539,902	$0	$0
Net Other Financing Charges	-	$75,051,103	-	-
Other
Repayment Of Debt	$-64,169,134	$-14,576,210	$-13,400,315	$-14,190,264
Issuance Of Debt	$67,987,860	$84,101,128	$0	$0
End Cash Position	$163,921,893	$269,990,785	$87,099,553	$121,883,816
Beginning Cash Position	$269,990,785	$87,099,553	$121,883,816	$37,829,370
Changes In Cash	$-106,068,893	$182,891,233	$-34,784,263	$84,054,446
Net Issuance Payments Of Debt	$3,818,727	$69,524,918	$-13,400,315	$-14,190,264
Net Long Term Debt Issuance	$3,818,727	$69,524,918	$-13,400,315	$-14,190,264
Long Term Debt Payments	$-64,169,134	$-14,576,210	$-13,400,315	$-14,190,264
Long Term Debt Issuance	$67,987,860	$84,101,128	$0	$0
Net Business Purchase And Sale	$0	$0	$451,262	$0
Sale Of Business	$0	$0	$451,262	$0
Net Intangibles Purchase And Sale	$-21,108,273	$-15,539,440	$-13,673,685	$-17,501,633
Purchase Of Intangibles	$-21,108,273	$-15,539,440	$-13,673,685	$-17,501,633
Net PPE Purchase And Sale	$-10,087,409	$-5,169,632	$-1,761,056	$-1,474,815
Purchase Of PPE	$-10,087,409	$-5,169,632	$-1,761,056	$-1,474,815
Taxes Refund Paid	$-92,361,973	$-74,899,721	$-37,098,783	$-8,786,261
Change In Working Capital	$-11,766,819	$94,406,772	$12,868,176	$149,846,125
Change In Other Working Capital	$-1,763,912,903	$-357,086,880	$-77,446,500	$-195,284,901
Change In Other Current Liabilities	$1,810,854,925	$503,951,294	$110,046,685	$335,253,015
Change In Other Current Assets	$-74,552,774	$-82,876,822	$-29,242,134	$-35,319,861
Other Non Cash Items	$19,171,246	$14,940,831	$4,279,786	$3,569,562
Deferred Tax	$55,751,337	$47,384,448	$29,887,617	$14,007,762
Deferred Income Tax	$55,751,337	$47,384,448	$29,887,617	$14,007,762
Depreciation Amortization Depletion	$38,780,498	$31,667,500	$25,907,328	$23,022,631
Depreciation And Amortization	$38,780,498	$31,667,500	$25,907,328	$23,022,631
Gain Loss On Sale Of PPE	$395,359	$362,124	$700,811	$295,270
Net Income From Continuing Operations	$201,062,940	$152,602,301	$81,849,235	$33,172,668
Interest Paid Cfo	-	$0	$0	$-50,332
Gain Loss On Sale Of Business	-	$0	$0	$-451,262

Fetched: 2026-08-28