Company Overview
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.
Why Investors Should Care
Generates a return on equity of 31.7%, reflecting efficient use of shareholder capital.
Net profit has compounded at 83.2% per year over the last five years.
Revenue has grown at a 40.5% CAGR over the past five years.
Trades at a P/E of 2.5, below the sector median of 12.9.
Maintains a net profit margin of 23.3%.
Recent Developments
- Dec 2025 Revenue of $6.47B (+34.7% YoY); net profit $1.04B.
- Trailing 12 Months Year-on-year growth — revenue -15.2%, earnings -27.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 40.5%, profit CAGR 83.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 40.52% |
| 1 Year: | -15.20% |
Compounded Profit Growth
| 5 Years: | 83.17% |
| 1 Year: | -27.80% |
Stock Price Performance
| 1 Year: | -36.93% |
| 6 Months: | -35.92% |
| 3 Months: | +6.44% |
| 1 Month: | +9.35% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- RSI (14)60.24 · Neutral
P/E of 2.51 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 31.7%.
- Excellent profit margin of 23.3%.
- Compounding revenue at 40.5% over 5 years.
- Profit CAGR of 83.2% over 5 years.
CONS
- Trading 43.5% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | AGBK AGI Inc FINANCIAL | 6.78 | 2.51 | $397.35M | 0.00% | - | 31.67% | 40.52% | 83.17% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|
| Revenue | 1.38B | 1.47B | 1.64B | 1.37B |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | - | - | - | - |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 743.15M | 951.31M | 1.32B | 1.63B |
| Pretax Income | 242.72M | 511.67M | 238.10M | 216.07M |
| Tax Provision | 45.57M | 155.20M | 23.18M | 29.54M |
| Net Income | 195.21M | 349.98M | 214.92M | 186.53M |
| Diluted EPS | - | 2.19 | 1.34 | 1.39 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 2.33B | 3.20B | 4.80B | 6.47B |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | - | - | - | - |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 991.64M | 1.78B | 2.47B | 4.23B |
| Pretax Income | 244.24M | 581.63M | 1.04B | 1.34B |
| Tax Provision | 72.92M | 155.58M | 246.66M | 290.21M |
| Net Income | 168.88M | 421.99M | 791.01M | 1.04B |
| Diluted EPS | 1.06 | 2.64 | 4.95 | 6.49 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total Assets | 19.36B | 29.51B | 47.76B |
| Current Assets | - | - | - |
| Cash & Equivalents | 353.68M | 454.18M | 1.11B |
| Inventory | - | - | - |
| Receivables | 125.16M | 254.92M | 378.22M |
| Total Liabilities | 18.05B | 27.04B | 44.48B |
| Current Liabilities | - | - | - |
| Long Term Debt | 363.94M | 759.24M | 1.21B |
| Total Debt | 570.69M | 1.26B | 1.67B |
| Total Equity | 1.31B | 2.36B | 3.28B |
| Shares Outstanding | 159.93M | 159.93M | 159.93M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 610.18M | -33.32M | 487.04M | -409.62M |
| Investing Cash Flow | -98.78M | -78.00M | -107.80M | -162.39M |
| Financing Cash Flow | -73.87M | -69.75M | 572.78M | 19.88M |
| Capital Expenditure | -98.78M | -80.34M | -107.80M | -162.39M |
| Free Cash Flow | 511.40M | -113.66M | 379.24M | -572.01M |
| Net Change in Cash | 437.54M | -181.07M | 952.02M | -552.13M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | 7.2% | 13.2% | 16.5% | 16.1% |
| ROE % | - | 32.3% | 33.5% | 31.7% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 3.99% | 2.34M | $14.48M |
| 2 | Capital World Investors | 3.80% | 2.23M | $13.78M |
| 3 | FIL LTD | 2.61% | 1.53M | $9.46M |
| 4 | Point72 Asset Management, L.P. | 2.57% | 1.51M | $9.32M |
| 5 | NORGES BANK | 2.13% | 1.25M | $7.72M |
| 6 | Advent International LP | 1.92% | 1.12M | $6.95M |
| 7 | Marshall Wace LLP | 1.89% | 1.11M | $6.86M |
| 8 | Verde Servicos Internacionais S.a. | 1.12% | 660.24K | $4.08M |
| 9 | TEACHER RETIREMENT SYSTEM OF TEXAS | 0.85% | 500.00K | $3.09M |
| 10 | Mackenzie Financial Corporation | 0.72% | 420.82K | $2.60M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for AGBK
New Strong Sell Stocks for September 3rd
AGBK, CSR and COIN have been added to the Zacks Rank #5 (Strong Sell) List on September 3, 2026.
S&P Upgrades Agibank’s Credit Rating to ‘brAA’
SÃO PAULO, August 21, 2026--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 credit rating upgraded …
AGI Inc (AGBK) (Q2 2026) Earnings Call Highlights: Record Growth and Strategic Expansion Amid ...
AGI Inc (AGBK) reports 26% revenue surge and 600,000 new customers, while navigating margin compression and upfront costs from rapid expansion.
Agi Inc. Reports Second Quarter 2026 Results
SÃO PAULO, August 05, 2026--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 financial statements …
Agibank Launches Proprietary Investment Platform for its Customers
SÃO PAULO, July 30, 2026--Agibank, a bank that combines the efficiency and scalability of a digital platform with the proximity of in-person service, announced the launch of its proprietary investment platform, which is now integrated into …
Agibank Recognized as One of the World’s Top Fintechs in 'The World’s Top Fintech Companies' 2026 List
SÃO PAULO, July 28, 2026--Agibank (NYSE: AGBK), a bank that combines the efficiency and scalability of a digital platform with the proximity of in-person service, is among the ten Brazilian companies included in The World’s Top Fintech Comp…
AGBK — Frequently Asked Questions
What is the current share price of AGI Inc (AGBK)?
As of 2026-09-19 21:16 PDT, AGI Inc (AGBK) trades at $6.78 on NYSE. Its 52-week range is $5.94 to $12.00.
What is the market capitalisation of AGBK?
AGI Inc (AGBK) has a market capitalisation of $397.35M on NYSE.
What is the P/E ratio of AGBK?
AGBK trades at a trailing price-to-earnings (P/E) ratio of 2.51. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.15.
What is the return on equity (ROE) of AGBK?
AGBK has a return on equity (ROE) of 31.67%.
Is AGBK a good stock to buy?
This page provides a data-driven analysis of AGI Inc (AGBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.