NYSE : AGBK

AGI Inc — Financial statements

Financials · Banks - Regional · Brazil

Last price 5.12 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 819.89M

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Financial statements

Income statement

Fiscal year January - December; amounts in BRL.

TTMFY2025FY2024FY2023FY2022
Interest and Dividend Income10.78B9.52B6.67B4.71B3.08B
Total Interest Expense6.39B5.11B2.80B1.91B1.09B
Net Interest Income4.39B4.41B3.86B2.80B2.00B
Commissions and Fees582.39M868.53M526.93M197.27M134.66M
Gain (Loss) on Sale of Investments562.50M303.22M92.11M81.25M104.15M
Revenue Before Loan Losses5.54B5.59B4.48B3.08B2.24B
Provision for Loan Losses2.05B1.70B1.13B788.05M584.03M
Revenue3.49B3.89B3.35B2.29B1.65B
Salaries & Employee Benefits515.28M524.67M448.87M438.75M412.49M
Cost of Services Provided1.32B1.12B1.23B737.24M598.65M
Other Operating Expenses458.53M503.80M429.97M276.05M219.42M
Total Operating Expenses2.51B2.35B2.27B1.59B1.35B
Operating Income975.01M1.54B1.08B704.98M302.32M
EBT Excluding Unusual Items981.54M1.53B1.05B720.08M321.24M
Gain (Loss) on Sale of Investments-11.72M
Pretax Income789.18M1.34B1.04B581.63M244.24M
Income Tax Expense-23.84M290.21M246.66M155.58M72.92M
Earnings From Continuing Ops.813.02M1.05B794.36M426.06M171.33M
Earnings From Discontinued Ops.1.35M
Net Income to Company813.02M1.05B794.36M426.06M172.68M
Minority Interest in Earnings-1.10M-8.78M-3.34M-4.07M-3.79M
Net Income811.91M1.04B791.01M421.99M168.88M
Net Income to Common811.91M1.04B791.01M421.99M168.88M
Shares Outstanding (Basic)826.97M823.45M789.27M418.17M418.17M
Shares Outstanding (Diluted)826.97M823.45M789.27M418.17M418.17M
EPS (Basic)0.981.261.001.010.40
EPS (Diluted)0.981.261.001.010.40
Free Cash Flow-1.06B-462.13M460.13M-42.48M602.51M
Free Cash Flow Per Share-1.28-0.560.58-0.101.44
Operating Margin27.95%39.56%32.18%30.76%18.29%
Profit Margin23.28%26.71%23.64%18.41%10.22%
Free Cash Flow Margin-30.47%-11.89%13.75%-1.85%36.45%
Effective Tax Rate21.71%23.69%26.75%29.85%

Balance sheet

Fiscal year January - December; amounts in BRL.

TTMFY2025FY2024FY2023FY2022
Cash & Equivalents752.13M327.29M230.42M267.35M
Long-Term Investments7.96B7.21B1.60B1.01B
Trading Asset Securities1.89B3.10B1.10B1.41B
Loans & Lease Receivables34.85B32.44B22.60B14.86B
Other Receivables391.66M400.61M299.29M140.91M
Property, Plant & Equipment302.87M304.11M281.24M226.95M
Goodwill147.00K147.00K147.00K147.00K
Other Intangible Assets227.54M182.06M199.01M221.89M
Other Current Assets598.82M1.09B320.81M207.15M
Long-Term Deferred Tax Assets1.32B1.45B831.70M687.36M
Other Long-Term Assets2.52B732.60M869.85M133.87M
Total Assets51.11B47.76B29.51B19.36B
Interest Bearing Deposits18.41B20.50B16.26B12.97B
Non-Interest Bearing Deposits566.16M345.80M320.21M206.66M
Total Deposits18.98B20.85B16.58B13.18B
Accounts Payable382.01M370.63M222.94M154.96M
Accrued Expenses203.50M232.02M205.34M116.44M
Short-Term Debt570.27M115.08M8.39M24.47M
Current Portion of Long-Term Debt694.73M247.10M298.79M
Current Portion of Leases85.54M83.33M80.18M63.04M
Long-Term Debt18.21B14.83B5.16B2.74B
Long-Term Leases152.39M164.95M174.42M143.71M
Current Income Taxes Payable74.41M385.63M146.66M77.44M
Other Current Liabilities3.97B1.88B726.99M79.06M
Long-Term Deferred Tax Liabilities124.80M382.87M206.86M194.28M
Other Long-Term Liabilities2.86B4.94B3.23B1.28B
Total Liabilities46.31B44.48B27.04B18.05B
Common Stock40.00K2.62B1.67B
Retained Earnings386.81M115.16M52.73M
Comprehensive Income & Other518.34M540.91M637.52M1.31B
Total Common Equity4.80B3.28B2.36B1.31B
Minority Interest114.62M-2.85M
Shareholders' Equity4.80B3.28B2.48B1.31B
Total Liabilities & Equity51.11B47.76B29.51B19.36B
Total Debt19.72B15.44B5.73B2.97B
Net Cash (Debt)-16.77B-11.48B-3.21B-1.10B
Net Cash Per Share-20.28-13.94-4.07-2.64
Filing Date Shares Outstanding160.14M846.83M789.27M418.17M418.17M
Total Common Shares Outstanding160.14M846.83M789.27M418.17M418.17M
Working Capital13.82B13.72B7.46B3.39B
Book Value Per Share29.973.872.993.13
Tangible Book Value4.57B3.09B2.16B1.09B
Tangible Book Value Per Share28.553.652.742.60

Cash flow statement

Fiscal year January - December; amounts in BRL.

TTMFY2025FY2024FY2023FY2022
Net Income811.91M1.04B791.01M421.99M168.88M
Depreciation & Amortization129.06M141.32M111.03M101.81M103.29M
Other Amortization88.90M60.55M53.82M33.05M16.55M
Provision for Credit Losses-1.35B-1.70B-1.13B-788.05M-584.03M
Change in Trading Asset Securities1.35B-2.15B704.46M-963.39M-421.34M
Change in Other Net Operating Assets-1.87B2.09B-213.03M1.03B1.20B
Other Operating Activities-162.82M110.36M171.58M127.26M123.94M
Operating Cash Flow-991.91M-409.62M487.04M-33.32M610.18M
Capital Expenditures-70.98M-52.51M-26.91M-9.17M-7.68M
Divestitures2.35M
Sale (Purchase) of Intangibles-159.26M-109.88M-80.89M-71.18M-91.10M
Investing Cash Flow-230.24M-162.39M-107.80M-78.00M-98.78M
Long-Term Debt Issued353.90M437.78M
Long-Term Debt Repaid-334.03M-75.88M-69.75M-73.87M
Lease Payments-92.55M-86.10M-75.87M-69.75M-70.46M
Net Debt Issued (Repaid)703.11M19.88M361.90M-69.75M-73.87M
Common Dividends Paid-179.79M
Other Financing Activities-27.43M390.67M
Financing Cash Flow1.90B19.88M572.78M-69.75M-73.87M
Net Cash Flow682.11M-552.13M952.02M-181.07M437.54M
Free Cash Flow-1.06B-462.13M460.13M-42.48M602.51M
Free Cash Flow Margin-30.47%-11.89%13.75%-1.85%36.45%
Free Cash Flow Per Share-1.28-0.560.58-0.101.44
Free Cash Flow After Leases-1.16B-548.23M384.26M-112.24M532.05M
Cash Interest Paid20.89M262.00K
Cash Income Tax Paid614.94M480.78M389.88M193.11M45.74M

Ratios

Fiscal year January - December; amounts in BRL.

TTMFY2025FY2024FY2023FY2022
Market Capitalization858.32M
Enterprise Value4.10B
Debt / Equity Ratio4.114.712.312.28
Debt / FCF Ratio12.44
Net Debt / Equity Ratio3.503.501.300.84
Net Debt / FCF Ratio-15.78-24.856.99-25.96
Quick Ratio1.531.521.391.23
Current Ratio1.551.571.411.25
Asset Turnover0.100.14
Return on Equity (ROE)36.38%42.01%
Return on Assets (ROA)2.71%3.25%
Return on Invested Capital (ROIC)4.33%8.94%13.17%12.08%
Payout Ratio22.73%
Buyback Yield / Dilution-4.78%-4.33%-88.74%