20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
AGI Inc (AGBK) operates in the BANKS - REGIONAL industry and is headquartered in Campinas, Brazil. Its market capitalization is roughly $2 billion. In the fiscal year ended 2025-12-31, AGBK reported BRL 10.7B in revenue and BRL 1.0B in net income.
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.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Total Revenue | BRL 11.9B | BRL 10.7B | BRL 7.3B | BRL 5.0B | BRL 3.3B |
| Gross Profit | BRL 4.4B | BRL 4.8B | BRL 3.3B | BRL 2.3B | BRL 1.7B |
| Gross Margin % | 36.6% | 44.6% | 45.9% | 46.0% | 49.8% |
| Operating Income (EBIT) | BRL 789M | BRL 1.3B | BRL 1.0B | BRL 582M | BRL 244M |
| Operating Margin % | 6.6% | 12.5% | 14.3% | 11.7% | 7.3% |
| Net Income | BRL 812M | BRL 1.0B | BRL 791M | BRL 422M | BRL 169M |
| Net Margin % | 6.8% | 9.7% | 10.9% | 8.5% | 5.1% |
| EBITDA | BRL 1.0B | BRL 1.5B | BRL 1.2B | BRL 716M | BRL 364M |
| Earnings Per Share (EPS) | BRL 5.28 | BRL 6.49 | BRL 13.48 | BRL 7.19 | BRL 2.88 |
| Shares Outstanding (M) | 143M | 160M | 59M | 59M | 59M |
BRL; BRLM / BRLB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Total Revenue | BRL 3.2B | BRL 3.0B | BRL 3.0B | BRL 2.8B | BRL 1.4B | BRL 1.5B | BRL 2.1B |
| Gross Profit | BRL 872M | BRL 870M | BRL 1.1B | BRL 1.5B | — | — | BRL 916M |
| Gross Margin % | 27.5% | 29.0% | 36.9% | 54.9% | — | — | 43.1% |
| Operating Income (EBIT) | BRL 115M | BRL 216M | BRL 238M | BRL 220M | — | — | BRL 243M |
| Operating Margin % | 3.6% | 7.2% | 8.1% | 7.9% | — | — | 11.4% |
| Net Income | BRL 200M | BRL 187M | BRL 215M | BRL 210M | BRL 263M | BRL 350M | BRL 195M |
| Net Margin % | 6.3% | 6.2% | 7.3% | 7.5% | 19.1% | 23.8% | 9.2% |
| EBITDA | BRL 173M | BRL 270M | BRL 293M | BRL 271M | — | — | BRL 287M |
| Earnings Per Share (EPS) | BRL 1.40 | BRL 1.39 | BRL 1.34 | BRL 1.15 | — | — | BRL 3.33 |
| Shares Outstanding (M) | 143M | 134M | 160M | 184M | — | — | 59M |
BRL; BRLM / BRLB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Cash from Operations (CFO) | (BRL 992M) | (BRL 410M) | BRL 487M | (BRL 33M) | BRL 610M |
| Capital Expenditures (CapEx) | BRL 230M | BRL 162M | BRL 108M | BRL 80M | BRL 99M |
| Free Cash Flow (FCF) | (BRL 1.2B) | (BRL 572M) | BRL 379M | (BRL 114M) | BRL 511M |
| FCF Margin % | — | — | — | — | — |
| Dividends Paid | BRL 199M | BRL 0M | BRL 180M | BRL 0M | BRL 0M |
BRL; BRLM / BRLB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | (BRL 1.6B) | BRL 29M | BRL 101M | BRL 438M | (BRL 912M) | (BRL 38M) | BRL 251M |
| Capital Expenditures (CapEx) | BRL 58M | BRL 90M | BRL 39M | BRL 44M | BRL 28M | BRL 51M | BRL 28M |
| Free Cash Flow (FCF) | (BRL 1.6B) | (BRL 60M) | BRL 62M | BRL 395M | (BRL 940M) | (BRL 89M) | BRL 223M |
| FCF Margin % | — | — | — | — | — | — | — |
| Dividends Paid | BRL 0M | BRL 0M | BRL 151M | BRL 48M | BRL 3M | BRL 101M | BRL 26M |
BRL; BRLM / BRLB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Total Assets | BRL 51.1B | BRL 47.8B | BRL 29.5B | BRL 19.4B |
| Cash & Cash Equivalents | BRL 893M | BRL 1.1B | BRL 454M | BRL 354M |
| Total Liabilities | BRL 46.3B | BRL 44.5B | BRL 27.0B | BRL 18.1B |
| Total Debt (Short + Long-Term) | BRL 6.1B | BRL 4.8B | BRL 1.1B | BRL 435M |
| Total Shareholders' Equity | BRL 4.8B | BRL 3.3B | BRL 2.4B | BRL 1.3B |
BRL; BRLM / BRLB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive AGBK viewer.
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