AGBK
Agi Inc.
Price Chart
No historical data available
Latest Quote
$4.96
+0.23 (+4.86%)
Current Price
| Previous Close | $4.73 |
| Open | $4.85 |
| Day High | $5.20 |
| Day Low | $4.84 |
| Volume | 213,778 |
Stock Information
Note: Financial values converted from BRL to USD
| Shares Outstanding | 58.61M |
| Total Debt | $3.69B |
| Cash Equivalents | $551.03M |
| Revenue | $652.85M |
| Net Income | $151.95M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.29B |
| P/E Ratio | 4.82 |
| EPS (TTM) | $1.03 |
| Exchange | NYQ |
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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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,294,177,648 | $960,649,698 | $641,305,160 | $466,417,635 |
| Operating Revenue | $1,294,177,648 | $960,649,698 | $641,305,160 | $466,417,635 |
| Expenses | ||||
| Interest Expense | $846,211,499 | $494,925,962 | $356,942,410 | $198,470,905 |
| Rent Expense Supplemental | $33,059,404 | $25,389,481 | $17,969,338 | $13,425,667 |
| Other Non Operating Income Expenses | $-10,176,728 | $-8,485,710 | $582,219 | $311,224 |
| Selling And Marketing Expense | $6,830,518 | $10,994,316 | $6,879,353 | $4,269,874 |
| General And Administrative Expense | $498,102,249 | $343,727,495 | $253,370,435 | $216,842,533 |
| Professional Expense And Contract Services Expense | $38,499,721 | $46,786,288 | $27,702,947 | $15,416,701 |
| Other Non Interest Expense | $92,265,434 | $82,405,935 | $52,808,424 | $40,440,518 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $207,716,162 | $158,316,793 | $84,459,013 | $33,531,344 |
| Net Interest Income | $1,059,657,987 | $839,098,977 | $585,560,822 | $418,620,420 |
| Interest Income | $1,905,869,485 | $1,334,024,940 | $942,503,232 | $617,091,325 |
| Normalized Income | $207,716,162 | $158,316,793 | $84,459,013 | $33,531,344 |
| Net Income From Continuing And Discontinued Operation | $207,716,162 | $158,316,793 | $84,459,013 | $33,801,338 |
| Net Income Common Stockholders | $207,716,162 | $158,316,793 | $84,459,013 | $33,801,338 |
| Net Income | $207,716,162 | $158,316,793 | $84,459,013 | $33,801,338 |
| Net Income Including Noncontrolling Interests | $209,473,427 | $158,985,675 | $85,272,999 | $34,560,284 |
| Net Income Continuous Operations | $209,473,427 | $158,985,675 | $85,272,999 | $34,290,290 |
| Pretax Income | $267,556,849 | $208,352,220 | $116,410,819 | $48,883,998 |
| Depreciation Amortization Depletion Income Statement | $40,402,691 | $32,992,155 | $26,991,034 | $23,985,670 |
| Depreciation And Amortization In Income Statement | $40,402,691 | $32,992,155 | $26,991,034 | $23,985,670 |
| Net Income Discontinuous Operations | - | $0 | $0 | $269,994 |
| Per Share | ||||
| Diluted EPS | $1.30 | $0.99 | $0.53 | $0.21 |
| Basic EPS | $1.30 | $0.99 | $0.53 | $0.21 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $40,402,691 | $32,992,155 | $26,991,034 | $23,985,670 |
| Diluted Average Shares | $32,009,062 | $32,009,062 | $32,009,062 | $32,009,062 |
| Basic Average Shares | $32,009,062 | $32,009,062 | $32,009,062 | $32,009,062 |
| Diluted NI Availto Com Stockholders | $207,716,162 | $158,316,793 | $84,459,013 | $33,801,338 |
| Minority Interests | $-1,757,265 | $-668,882 | $-813,986 | $-758,946 |
| Tax Provision | $58,083,422 | $49,366,545 | $31,137,820 | $14,593,708 |
| Gain On Sale Of Security | $60,687,497 | $16,089,385 | $16,261,509 | $20,844,809 |
| Selling General And Administration | $504,932,767 | $354,721,811 | $260,249,788 | $221,112,408 |
| Other Gand A | $183,952,051 | $162,173,970 | $122,712,957 | $102,113,925 |
| Insurance And Claims | $176,080,383 | $66,326,357 | $24,875,111 | $18,745,297 |
| Rent And Landing Fees | $33,059,404 | $25,389,481 | $17,969,338 | $13,425,667 |
| Salaries And Wages | $105,010,411 | $89,837,686 | $87,813,028 | $82,557,644 |
Fetched: 2026-10-25
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $619,376,971 | $432,898,701 | $217,356,503 |
| Total Assets | $9,558,999,778 | $5,907,245,601 | $3,874,666,281 |
| Goodwill And Other Intangible Assets | $36,467,258 | $39,859,900 | $44,439,198 |
| Other Intangible Assets | $36,437,836 | $39,830,479 | $44,409,776 |
| Prepaid Assets | $60,628,855 | $47,980,147 | $27,867,265 |
| Receivables | $75,698,906 | $51,019,936 | $25,049,036 |
| Other Receivables | $75,698,906 | $51,019,936 | $25,049,036 |
| Cash And Cash Equivalents | $222,431,157 | $90,901,652 | $70,787,769 |
| Cash Financial | $65,505,766 | $46,117,206 | $53,508,128 |
| Cash Cash Equivalents And Federal Funds Sold | $246,203,474 | $90,901,652 | $70,787,769 |
| Debt | |||
| Net Debt | $63,060,005 | $109,720,002 | $2,052,478 |
| Total Debt | $335,182,942 | $251,578,745 | $114,220,642 |
| Long Term Debt And Capital Lease Obligation | $276,093,196 | $188,067,615 | $101,602,957 |
| Long Term Debt | $243,080,225 | $151,956,413 | $72,840,247 |
| Current Debt And Capital Lease Obligation | $59,089,746 | $63,511,130 | $12,617,685 |
| Current Debt | $42,410,937 | $48,665,240 | - |
| Other Current Borrowings | $42,410,937 | $48,665,240 | - |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $8,903,155,550 | $5,411,545,882 | $3,613,440,390 |
| Derivative Product Liabilities | $23,031,984 | $1,678,809 | $4,897,326 |
| Non Current Deferred Liabilities | $76,629,976 | $41,401,811 | $38,884,798 |
| Non Current Deferred Taxes Liabilities | $76,629,976 | $41,401,811 | $38,884,798 |
| Payables And Accrued Expenses | $151,360,784 | $73,974,864 | $46,511,490 |
| Payables | $151,360,784 | $73,974,864 | $46,511,490 |
| Total Tax Payable | $77,181,773 | $29,353,936 | $15,498,159 |
| Income Tax Payable | $77,181,773 | $29,353,936 | $15,498,159 |
| Accounts Payable | $74,179,011 | $44,620,928 | $31,013,331 |
| Equity | |||
| Common Stock Equity | $655,844,228 | $472,758,601 | $261,795,701 |
| Total Equity Gross Minority Interest | $655,844,228 | $495,699,719 | $261,225,891 |
| Stockholders Equity | $655,844,228 | $472,758,601 | $261,795,701 |
| Gains Losses Not Affecting Retained Earnings | $108,260,951 | $127,596,273 | $0 |
| Other Equity Adjustments | $108,260,951 | $127,596,273 | - |
| Retained Earnings | $23,048,596 | $10,552,798 | $0 |
| Other Equity Interest | - | - | $261,795,701 |
| Other | |||
| Ordinary Shares Number | $32,009,062 | $32,009,062 | $32,009,062 |
| Share Issued | $32,009,062 | $32,009,062 | $32,009,062 |
| Tangible Book Value | $619,376,971 | $432,898,701 | $217,356,503 |
| Invested Capital | $941,335,391 | $673,380,255 | $334,635,948 |
| Capital Lease Obligations | $49,691,780 | $50,957,091 | $41,380,395 |
| Total Capitalization | $898,924,454 | $624,715,014 | $334,635,948 |
| Minority Interest | $0 | $22,941,118 | $-569,810 |
| Treasury Stock | $259,587 | $231,567 | $0 |
| Capital Stock | $524,794,268 | $334,841,096 | - |
| Common Stock | $524,794,268 | $334,841,096 | - |
| Employee Benefits | $46,438,037 | $41,097,191 | $23,304,380 |
| Long Term Capital Lease Obligation | $33,012,970 | $36,111,201 | $28,762,710 |
| Long Term Provisions | $62,963,736 | $61,378,194 | $47,769,395 |
| Current Capital Lease Obligation | $16,678,809 | $14,845,890 | $12,617,685 |
| Investments And Advances | $2,179,435,261 | $802,222,225 | $519,643,960 |
| Available For Sale Securities | $2,179,435,261 | $799,341,351 | $511,669,418 |
| Goodwill | $29,421 | $29,421 | $29,421 |
| Net PPE | $60,865,825 | $56,287,729 | $45,422,506 |
| Accumulated Depreciation | $-14,928,149 | $-12,163,358 | $-10,291,210 |
| Gross PPE | $75,793,974 | $68,451,087 | $55,713,716 |
| Other Properties | $48,085,823 | $47,774,799 | $39,087,744 |
| Machinery Furniture Equipment | $27,708,151 | $20,676,288 | $16,625,971 |
| Other Short Term Investments | $0 | $2,880,874 | $7,974,542 |
| Leases | - | $3,101,033 | $1,576,335 |
Fetched: 2026-10-25
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-114,484,232 | $75,902,652 | $-22,748,580 | $102,354,298 |
| Operating Activities | ||||
| Operating Cash Flow | $-81,983,631 | $97,477,987 | $-6,668,201 | $122,124,533 |
| Cash Flow From Continuing Operating Activities | $-81,983,631 | $97,477,987 | $-6,668,201 | $122,124,533 |
| Operating Gains Losses | $411,897 | $377,272 | $730,126 | $-162,517 |
| Investing Activities | ||||
| Capital Expenditure | $-32,500,601 | $-21,575,335 | $-16,080,378 | $-19,770,235 |
| Investing Cash Flow | $-32,500,601 | $-21,575,335 | $-15,610,240 | $-19,770,235 |
| Cash Flow From Continuing Investing Activities | $-32,500,601 | $-21,575,335 | $-15,610,240 | $-19,770,235 |
| Financing Activities | ||||
| Financing Cash Flow | $3,978,465 | $114,638,944 | $-13,960,852 | $-14,783,845 |
| Cash Flow From Continuing Financing Activities | $3,978,465 | $114,638,944 | $-13,960,852 | $-14,783,845 |
| Cash Dividends Paid | $0 | $-35,984,710 | $0 | $0 |
| Net Other Financing Charges | - | $78,190,500 | - | - |
| Other | ||||
| Repayment Of Debt | $-66,853,336 | $-15,185,934 | $-13,960,852 | $-14,783,845 |
| Issuance Of Debt | $70,831,801 | $87,619,088 | $0 | $0 |
| End Cash Position | $170,778,766 | $281,284,534 | $90,742,938 | $126,982,231 |
| Beginning Cash Position | $281,284,534 | $90,742,938 | $126,982,231 | $39,411,778 |
| Changes In Cash | $-110,505,768 | $190,541,596 | $-36,239,293 | $87,570,453 |
| Net Issuance Payments Of Debt | $3,978,465 | $72,433,154 | $-13,960,852 | $-14,783,845 |
| Net Long Term Debt Issuance | $3,978,465 | $72,433,154 | $-13,960,852 | $-14,783,845 |
| Long Term Debt Payments | $-66,853,336 | $-15,185,934 | $-13,960,852 | $-14,783,845 |
| Long Term Debt Issuance | $70,831,801 | $87,619,088 | $0 | $0 |
| Net Business Purchase And Sale | $0 | $0 | $470,139 | $0 |
| Sale Of Business | $0 | $0 | $470,139 | $0 |
| Net Intangibles Purchase And Sale | $-21,991,234 | $-16,189,457 | $-14,245,657 | $-18,233,729 |
| Purchase Of Intangibles | $-21,991,234 | $-16,189,457 | $-14,245,657 | $-18,233,729 |
| Net PPE Purchase And Sale | $-10,509,367 | $-5,385,878 | $-1,834,721 | $-1,536,506 |
| Purchase Of PPE | $-10,509,367 | $-5,385,878 | $-1,834,721 | $-1,536,506 |
| Taxes Refund Paid | $-96,225,485 | $-78,032,786 | $-38,650,630 | $-9,153,791 |
| Change In Working Capital | $-12,259,027 | $98,355,819 | $13,406,453 | $156,114,207 |
| Change In Other Working Capital | $-1,837,697,600 | $-372,023,869 | $-80,686,097 | $-203,453,693 |
| Change In Other Current Liabilities | $1,886,603,213 | $525,031,639 | $114,649,952 | $349,276,690 |
| Change In Other Current Assets | $-77,671,326 | $-86,343,570 | $-30,465,336 | $-36,797,295 |
| Other Non Cash Items | $19,973,181 | $15,565,808 | $4,458,810 | $3,718,878 |
| Deferred Tax | $58,083,422 | $49,366,545 | $31,137,820 | $14,593,708 |
| Deferred Income Tax | $58,083,422 | $49,366,545 | $31,137,820 | $14,593,708 |
| Depreciation Amortization Depletion | $40,402,691 | $32,992,155 | $26,991,034 | $23,985,670 |
| Depreciation And Amortization | $40,402,691 | $32,992,155 | $26,991,034 | $23,985,670 |
| Gain Loss On Sale Of PPE | $411,897 | $377,272 | $730,126 | $307,621 |
| Net Income From Continuing Operations | $209,473,427 | $158,985,675 | $85,272,999 | $34,560,284 |
| Interest Paid Cfo | - | $0 | $0 | $-52,438 |
| Gain Loss On Sale Of Business | - | $0 | $0 | $-470,139 |
Fetched: 2026-10-25