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AGI Inc

AGBK

NYSEFinancial ServicesBanks - Regional

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Previous close

$6.10

+$0.12 · +2.01%

Aug 21, 4:00 PM ET

Pre-market

$6.1782

+$0.0782 · +1.28%

Aug 24, 4:00 AM ET

AGBK company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

92

Deep Value

Momentum

35

Weakening

Sentiment

62

Bullish

Risk resilience

37

High Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

AGI Inc. stands as a leading provider of innovative, technology-centric financial solutions operating across Brazil. The company primarily facilitates social security and severance benefits, along with public and private sector payroll management, often structured around secure lending instruments. These core offerings are enhanced by a comprehensive suite of complementary banking, credit, and insurance products. Delivering its services through a robust digital infrastructure, AGI Inc. utilizes sophisticated cloud-based platforms, intelligent AI-driven automation, and intuitive mobile applications. The firm was founded in 1999 and maintains its corporate headquarters in Campinas, Brazil.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
BR
CEO
Marciano Testa
Listed since
Feb 10, 2026
Employees
4,700

Market position

Day range

Current $6.10

52-week range

Current $6.10

Open
$6.01
Previous close
$5.98
Volume
143.39K
0.35× average
Average volume
404.65K
Average daily volume
Market cap
975.58M USD
Beta
1.73
Market reference 1
50-day average
$6.8042
-10.35% below average
200-day average
$7.7893
-21.69% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
29.47B BRL
EV / EBITDA
19.15×
Earnings yield
11.02%
Free cash flow yield
-6.07%

Profitability & efficiency

Return on equity
31.67%
Return on assets
2.17%
Return on invested capital
4.00%

Financial health

Current ratio
0.06×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends54%36%18%1%Gross margin, FY2022: 49.75%Gross margin, FY2023: 45.95%Gross margin, FY2024: 45.85%Gross margin, FY2025: 44.56%Operating margin, FY2022: 7.35%Operating margin, FY2023: 11.66%Operating margin, FY2024: 14.31%Operating margin, FY2025: 12.50%Net margin, FY2022: 5.08%Net margin, FY2023: 8.46%Net margin, FY2024: 10.88%Net margin, FY2025: 9.70%FY2022FY2023FY2024FY2025
Gross margin FY2022 49.75%. Gross margin FY2023 45.95%. Gross margin FY2024 45.85%. Gross margin FY2025 44.56%. Operating margin FY2022 7.35%. Operating margin FY2023 11.66%. Operating margin FY2024 14.31%. Operating margin FY2025 12.50%. Net margin FY2022 5.08%. Net margin FY2023 8.46%. Net margin FY2024 10.88%. Net margin FY2025 9.70%.

Income trends

Revenue

10.69B BRL+47.05%

Operating income

1.34B BRL+28.42%

Net income

1.04B BRL+31.20%
Income trends across reported periods11.75B BRL7.54B BRL3.33B BRL−883.65M BRLRevenue, FY2022: 3.32B BRLRevenue, FY2023: 4.99B BRLRevenue, FY2024: 7.27B BRLRevenue, FY2025: 10.69B BRLOperating income, FY2022: 244.24M BRLOperating income, FY2023: 581.64M BRLOperating income, FY2024: 1.04B BRLOperating income, FY2025: 1.34B BRLNet income, FY2022: 168.89M BRLNet income, FY2023: 421.99M BRLNet income, FY2024: 791.01M BRLNet income, FY2025: 1.04B BRLFY2022FY2023FY2024FY2025
Revenue FY2022 3.32B BRL. Revenue FY2023 4.99B BRL. Revenue FY2024 7.27B BRL. Revenue FY2025 10.69B BRL. Operating income FY2022 244.24M BRL. Operating income FY2023 581.64M BRL. Operating income FY2024 1.04B BRL. Operating income FY2025 1.34B BRL. Net income FY2022 168.89M BRL. Net income FY2023 421.99M BRL. Net income FY2024 791.01M BRL. Net income FY2025 1.04B BRL.
Metric (BRL)FY2025FY2024FY2023FY2022
Revenue10.69B BRL7.27B BRL4.99B BRL3.32B BRL
Cost of goods sold5.93B BRL3.94B BRL2.7B BRL1.67B BRL
Gross profit4.77B BRL3.33B BRL2.29B BRL1.65B BRL
Selling, general, and administrative2.52B BRL1.44B BRL1.18B BRL1.01B BRL
Operating expenses3.43B BRL2.29B BRL1.71B BRL1.41B BRL
Interest income9.52B BRL6.67B BRL4.71B BRL3.08B BRL
Interest expense4.23B BRL2.8B BRL1.91B BRL1.09B BRL
Depreciation and amortization201.87M BRL164.84M BRL134.86M BRL119.84M BRL
Operating income1.34B BRL1.04B BRL581.64M BRL244.24M BRL
Net income1.04B BRL791.01M BRL421.99M BRL168.89M BRL

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
67%
2 beats, 1 miss, 0 met estimates
Average EPS surprise
-22.23%
3 comparable reports
Latest EPS result
0.28
Estimate 0.25 · Beat by 10.80%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.350.250.150.04Q4 '25No estimateQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q4 2025, reported Dec 3, 2025: actual 0.278, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 23, 2026: actual 0.05, estimate 0.27, surprise -81.48%, Miss. Q2 2026, reported May 5, 2026: actual 0.26, estimate 0.25, surprise +4.00%, Beat. Q3 2026, reported Aug 5, 2026: actual 0.28, estimate 0.253, surprise +10.80%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 0.31, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates3.4B2.34B1.28B221.18MQ4 '25No estimateQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q4 2025, reported Dec 3, 2025: actual 260.22M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 23, 2026: actual 260.22M USD, estimate 1.4B USD, surprise -81.41%, Miss. Q2 2026, reported May 5, 2026: actual 3B USD, estimate 1.59B USD, surprise +88.16%, Beat. Q3 2026, reported Aug 5, 2026: actual 3.17B USD, estimate 404.46M USD, surprise +684.00%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 1.67B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$14.99

145.74% upside
Past 12 months12-month forecastHigh $21.00Average $14.99Low $9.00

Recent analyst actions

2 institutions
OppenheimermaintainOutperform
Itau BBAdowngradeOutperformMarket Perform

AGBK news

gurufocus.com

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

Agibank, a bank operating a hybrid platform that combines the efficiency and scalability of digital channels with the proximity and personalized service of a ph

Read source
businesswire.com

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

SÃO PAULO--(BUSINESS WIRE)--Agibank, a bank operating a hybrid platform that combines the efficiency and scalability of digital channels with the proximity and personalized service of a physical presence, has had its…

Read source
marketbeat.com

AGI Q2 Earnings Call Highlights

AGI NYSE: AGBK said its second-quarter results marked an operational inflection point as credit originations, customer additions and fee revenue accelerated following regulatory disruptions that affected Brazil's…

Read source
seekingalpha.com

AGI Inc (AGBK) Q2 2026 Earnings Call Transcript

AGI Inc (AGBK) Q2 2026 Earnings Call Transcript

Read source
businesswire.com

Agi Inc. Reports Second Quarter 2026 Results

SÃO PAULO--(BUSINESS WIRE)--Agi Inc. (NYSE: AGBK) (“Agi”), a technology-powered provider of specialized financial services in Brazil, today released its financial results for the second quarter ended June 30, 2026. The…

Read source
gurufocus.com

Agibank Launches Agi+, Advancing Subscription Banking Strategy

Agibank today announced the launch of Agi+, a strategic milestone in its journey to become a “subscription bank.” The new platform extends the customer rela

Read source

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