Symbols / AGBK Stock $7.39 -1.73% AGI Inc

Financial Services • Banks - Regional • Brazil • NYQ
AGBK (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Marciano Testa
Exch · Country NYQ · Brazil
Market Cap 1.18B
Enterprise Value 17.85B
Income 1.04B
Sales 3.89B
FCF (ttm) —
Book/sh 0.77
Cash/sh 4.67
Employees —
Insider 10d —
IPO Feb 11, 2026
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 5.68
Forward P/E 3.63
PEG 0.18
P/S 0.30
P/B 9.55
P/C —
EV/EBITDA —
EV/Sales 4.59
Quick Ratio 1.52
Current Ratio 1.57
Debt/Eq 471.14
LT Debt/Eq —
EPS (ttm) 1.30
EPS next Y 2.04
EPS Growth -8.00%
Revenue Growth -11.00%
EPS Gr Q/Q 10.10%
Rev Gr Q/Q —
Earnings (next) 2026-05-05
Earnings (prior) —
ROA 2.71%
ROE 36.38%
ROIC —
Gross Margin 72.10%
Oper. Margin 26.75%
Profit Margin 26.71%
Shs Outstand 58.70M
Shs Float 130.16M
Insider Own 15.02%
Instit Own 64.34%
Short Float 8.08%
Short Ratio 2.48
Short Interest 1.71M
52W High 12.21
vs 52W High -39.48%
52W Low 6.46
vs 52W Low 14.40%
Beta —
Impl. Vol. —
Rel Volume 0.34
Avg Volume 736.70K
Volume 247.74K
Target (mean) $16.87
Tgt Median $16.44
Tgt Low $13.98
Tgt High $20.88
# Analysts 10
Recom Strong_buy
Prev Close $7.52
Price $7.39
Change -1.73%
About

AGI Inc provides technology-based specialized financial services in Brazil. The company offers social security benefits, severance fund benefits, and 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$16.87
Mean price target
2. Current target
$7.39
Latest analyst target
3. DCF / Fair value
$19.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$7.39
Low
$13.98
High
$20.88
Mean
$16.87

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-09 init Itau BBA — → Outperform $15
2026-03-09 init Oppenheimer — → Outperform $15
2026-03-09 init Citigroup — → Buy $18
2026-03-09 init Susquehanna — → Positive $17
2026-03-09 init Morgan Stanley — → Overweight $21
News
RSS: Latest AGBK news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2024-12-31 2023-12-31 2022-12-31
Total Revenue
4,799.79
+49.80%
3,204.22
+37.50%
2,330.41
Operating Revenue
4,799.79
+49.80%
3,204.22
+37.50%
2,330.41
Selling General And Administration
1,772.33
+36.30%
1,300.31
+17.70%
1,104.77
Selling And Marketing Expense
54.93
+59.82%
34.37
+61.11%
21.33
General And Administrative Expense
1,717.40
+35.66%
1,265.94
+16.85%
1,083.43
Salaries And Wages
448.87
+2.31%
438.75
+6.37%
412.49
Other Gand A
810.29
+32.16%
613.12
+20.17%
510.20
Reconciled Depreciation
164.84
+22.23%
134.86
+12.53%
119.84
Net Income
791.01
+87.45%
421.99
+149.87%
168.88
Pretax Income
1,041.01
+78.98%
581.63
+138.14%
244.24
Net Interest Income
4,192.47
+43.30%
2,925.70
+39.88%
2,091.59
Interest Expense
2,472.85
+38.66%
1,783.43
+79.85%
991.64
Interest Income
6,665.32
+41.54%
4,709.12
+52.73%
3,083.24
Other Non Operating Income Expenses
-42.40
-1557.48%
2.91
+87.07%
1.55
Gain On Sale Of Security
80.39
-1.06%
81.25
-21.99%
104.15
Tax Provision
246.66
+58.54%
155.58
+113.36%
72.92
Tax Rate For Calcs
0.00
-11.11%
0.00
-10.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
794.36
+86.44%
426.06
+146.74%
172.68
Net Income From Continuing Operation Net Minority Interest
791.01
+87.45%
421.99
+151.88%
167.54
Net Income From Continuing And Discontinued Operation
791.01
+87.45%
421.99
+149.87%
168.88
Net Income Continuous Operations
794.36
+86.44%
426.06
+148.68%
171.33
Net Income Discontinuous Operations
0.00
0.00
-100.00%
1.35
Minority Interests
-3.34
+17.83%
-4.07
-7.25%
-3.79
Normalized Income
791.01
+87.45%
421.99
+151.88%
167.54
Net Income Common Stockholders
791.01
+87.45%
421.99
+149.87%
168.88
Diluted EPS
4.95
+87.45%
2.64
+149.87%
1.06
Basic EPS
4.95
+87.45%
2.64
+149.87%
1.06
Basic Average Shares
159.93
+0.00%
159.93
+0.00%
159.93
Diluted Average Shares
159.93
+0.00%
159.93
+0.00%
159.93
Diluted NI Availto Com Stockholders
791.01
+87.45%
421.99
+149.87%
168.88
Depreciation Amortization Depletion Income Statement
164.84
+22.23%
134.86
+12.53%
119.84
Depreciation And Amortization In Income Statement
164.84
+22.23%
134.86
+12.53%
119.84
Insurance And Claims
331.39
+166.64%
124.29
+32.70%
93.66
Other Non Interest Expense
411.73
+56.05%
263.85
+30.58%
202.06
Professional Expense And Contract Services Expense
233.76
+68.89%
138.41
+79.69%
77.03
Rent And Landing Fees
126.86
+41.29%
89.78
+33.84%
67.08
Rent Expense Supplemental
126.86
+41.29%
89.78
+33.84%
67.08
Line Item Trend 2024-12-31 2023-12-31
Total Assets
29,514.96
+52.46%
19,359.38
Cash And Cash Equivalents
454.18
+28.41%
353.68
Cash Financial
230.42
-13.81%
267.35
Other Short Term Investments
14.39
-63.87%
39.84
Receivables
254.92
+103.68%
125.16
Other Receivables
254.92
+103.68%
125.16
Prepaid Assets
239.73
+72.17%
139.24
Net PPE
281.24
+23.92%
226.95
Gross PPE
342.01
+22.86%
278.37
Accumulated Depreciation
-60.77
-18.19%
-51.42
Machinery Furniture Equipment
103.31
+24.36%
83.07
Other Properties
238.70
+22.22%
195.30
Leases
15.49
+96.72%
7.88
Goodwill And Other Intangible Assets
199.16
-10.30%
222.04
Goodwill
0.15
+0.00%
0.15
Other Intangible Assets
199.01
-10.31%
221.89
Investments And Advances
4,008.22
+54.38%
2,596.35
Total Liabilities Net Minority Interest
27,038.25
+49.76%
18,054.19
Payables And Accrued Expenses
369.61
+59.05%
232.39
Payables
369.61
+59.05%
232.39
Accounts Payable
222.94
+43.88%
154.96
Employee Benefits
205.34
+76.35%
116.44
Total Tax Payable
146.66
+89.40%
77.44
Income Tax Payable
146.66
+89.40%
77.44
Current Debt And Capital Lease Obligation
317.33
+403.35%
63.04
Current Debt
243.15
—
Other Current Borrowings
243.15
—
Current Capital Lease Obligation
74.18
+17.66%
63.04
Long Term Debt And Capital Lease Obligation
939.66
+85.10%
507.65
Long Term Debt
759.24
+108.62%
363.94
Long Term Capital Lease Obligation
180.43
+25.55%
143.71
Long Term Provisions
306.67
+28.49%
238.68
Non Current Deferred Liabilities
206.86
+6.47%
194.28
Non Current Deferred Taxes Liabilities
206.86
+6.47%
194.28
Stockholders Equity
2,362.09
+80.58%
1,308.04
Common Stock Equity
2,362.09
+80.58%
1,308.04
Capital Stock
1,673.00
—
Common Stock
1,673.00
—
Share Issued
159.93
+0.00%
159.93
Ordinary Shares Number
159.93
+0.00%
159.93
Retained Earnings
52.73
0.00
Gains Losses Not Affecting Retained Earnings
637.52
0.00
Treasury Stock
1.16
0.00
Minority Interest
114.62
+4126.10%
-2.85
Other Equity Adjustments
637.52
—
Total Equity Gross Minority Interest
2,476.71
+89.76%
1,305.19
Total Capitalization
3,121.33
+86.68%
1,671.97
Invested Capital
3,364.48
+101.23%
1,671.97
Total Debt
1,256.99
+120.26%
570.69
Net Debt
548.21
+5245.73%
10.26
Capital Lease Obligations
254.60
+23.14%
206.75
Net Tangible Assets
2,162.93
+99.17%
1,086.00
Tangible Book Value
2,162.93
+99.17%
1,086.00
Available For Sale Securities
3,993.83
+56.22%
2,556.51
Cash Cash Equivalents And Federal Funds Sold
454.18
+28.41%
353.68
Derivative Product Liabilities
8.39
-65.72%
24.47
Other Equity Interest
—
1,308.04
Line Item Trend 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
487.04
+1561.83%
-33.32
-105.46%
610.18
Cash Flow From Continuing Operating Activities
487.04
+1561.83%
-33.32
-105.46%
610.18
Net Income From Continuing Operations
794.36
+86.44%
426.06
+146.74%
172.68
Depreciation Amortization Depletion
164.84
+22.23%
134.86
+12.53%
119.84
Depreciation And Amortization
164.84
+22.23%
134.86
+12.53%
119.84
Other Non Cash Items
77.77
+249.10%
22.28
+19.90%
18.58
Deferred Tax
246.66
+58.54%
155.58
+113.36%
72.92
Deferred Income Tax
246.66
+58.54%
155.58
+113.36%
72.92
Operating Gains Losses
1.89
-48.33%
3.65
+549.26%
-0.81
Gain Loss On Sale Of PPE
1.89
-48.33%
3.65
+137.35%
1.54
Change In Working Capital
491.43
+633.65%
66.98
-91.41%
780.01
Change In Other Working Capital
-1,858.78
-361.08%
-403.14
+60.34%
-1,016.54
Change In Other Current Assets
-431.41
-183.42%
-152.22
+17.21%
-183.85
Change In Other Current Liabilities
2,623.27
+357.94%
572.84
-67.18%
1,745.13
Investing Cash Flow
-107.80
-38.21%
-78.00
+21.04%
-98.78
Cash Flow From Continuing Investing Activities
-107.80
-38.21%
-78.00
+21.04%
-98.78
Net PPE Purchase And Sale
-26.91
-193.55%
-9.17
-19.41%
-7.68
Purchase Of PPE
-26.91
-193.55%
-9.17
-19.41%
-7.68
Capital Expenditure
-107.80
-34.17%
-80.34
+18.66%
-98.78
Net Business Purchase And Sale
0.00
-100.00%
2.35
0.00
Gain Loss On Sale Of Business
0.00
0.00
+100.00%
-2.35
Net Intangibles Purchase And Sale
-80.89
-13.64%
-71.18
+21.87%
-91.10
Purchase Of Intangibles
-80.89
-13.64%
-71.18
+21.87%
-91.10
Financing Cash Flow
572.78
+921.15%
-69.75
+5.57%
-73.87
Cash Flow From Continuing Financing Activities
572.78
+921.15%
-69.75
+5.57%
-73.87
Net Issuance Payments Of Debt
361.90
+618.83%
-69.75
+5.57%
-73.87
Issuance Of Debt
437.78
0.00
0.00
Repayment Of Debt
-75.88
-8.78%
-69.75
+5.57%
-73.87
Long Term Debt Issuance
437.78
0.00
0.00
Long Term Debt Payments
-75.88
-8.78%
-69.75
+5.57%
-73.87
Net Long Term Debt Issuance
361.90
+618.83%
-69.75
+5.57%
-73.87
Cash Dividends Paid
-179.79
0.00
0.00
Net Other Financing Charges
390.67
—
—
Changes In Cash
952.02
+625.79%
-181.07
-141.38%
437.54
Beginning Cash Position
453.39
-28.54%
634.45
+222.19%
196.92
End Cash Position
1,405.41
+209.98%
453.39
-28.54%
634.45
Free Cash Flow
379.24
+433.66%
-113.66
-122.23%
511.40
Interest Paid CFO
0.00
0.00
+100.00%
-0.26
Sale Of Business
0.00
-100.00%
2.35
0.00
Taxes Refund Paid
-389.88
-101.89%
-193.11
-322.24%
-45.74
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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