OakChart

AGI Inc

AGBKFinancial·Banks - Regional·Brazil·Small·NYSE·Nov 11 • 3:59 PM ET

5.39+0.29 (5.69%)
2026-11-12 06:38 CET
Market cap
862.02 USD m
Revenue, TTM
586.88 USD m
Net income, TTM
39.63 USD m
Free cash flow, TTM
253.52 USD m
EPS diluted, TTM
0.25
P/E
5.55
Compare

Price

AGBK against its 20 and 50-day averages
2050missearnings
5.006.007.008.001.7M3.4MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26AGBKclose 5.3920-day 5.8550-day 6.165.3952w low

55.9% under the 52-week high of 12.21 on 25 Feb 2026. 52-week low 4.43 on 26 Oct 2026. Last 15 sessions, 73.1% high to low

Volume 1.00× normal · the line is the 50-bar volume average

Profile

AGBK
52-week range, 12% of the way up
4.4312.21

AGI, Inc. is a technology company, which engages in the provision of financial services. Its products includes banking, credit, and credit life, life, and urban protection insurance. The company was founded by Marciano Testa in 1999 and is headquartered in Campinas, Brazil.

IPOFeb 11, 2026
ATR, 14d0.46
Rel volume1.00
Short float5.74%
Insider own82.18%
Inst own14.77%

Snapshot

6 groups

Valuation

Index-
Market Cap862.02M
Enterprise Value1.83B
Income178.22M
Sales1.69B
Book/sh5.80
Cash/sh1.17
Dividend Est.0.08 (1.57%)
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees-
IPOFeb 11, 2026

Ratios

P/E5.55
Forward P/E3.37
PEG0.17
P/S0.51
P/B0.93
P/C4.62
P/FCF-
EV/EBITDA3.29
EV/Sales1.08
Quick Ratio0.20
Current Ratio0.20
Debt/Eq1.25
LT Debt/Eq1.09
Option/ShortNo / Yes

Earnings

EPS (ttm)0.97
EPS next Y1.60
EPS next Q0.36
EPS this Y-5.59%
EPS next Y41.40%
EPS next 5Y20.00%
EPS past 3/5Y- -
Sales past 3/5Y- -
EPS Y/Y TTM-
Sales Y/Y TTM-
EPS Q/Q-23.93%
Sales Q/Q44.14%
EarningsNov 11 AMC
EPS/Sales Surpr.0.22% -5.01%

Ownership

Insider Own82.18%
Insider Trans-0.19%
Inst Own14.77%
Inst Trans0.63%
ROA-
ROE-
ROIC9.22%
Gross Margin53.64%
Oper. Margin15.30%
Profit Margin10.54%
SMA20-7.78%
SMA50-12.49%
SMA200-26.20%
Trades-

Technical

Shs Outstand58.61M
Shs Float28.49M
Short Float5.74%
Short Ratio4.84
Short Interest1.64M
52W High12.21 -55.86%
52W Low4.43 21.67%
Volatility6.51% 8.54%
ATR (14)0.46
RSI (14)44.66
Beta-
Rel Volume1.00
Avg Volume337.91K
Volume338,333

Performance

Perf Week9.11%
Perf Month-26.96%
Perf Quarter-13.62%
Perf Half Y-24.93%
Perf YTD-51.00%
Perf Year-
Perf 3Y-
Perf 5Y-
Perf 10Y-
Recom1.25
Target Price10.92
Prev Close5.10
Price5.39
Change %5.69%

Analyst ratings

latest 8 of 8
DateActionAnalystRating changeTargetImplied
May 06, 2026DowngradeIItau BBAOutperform → Market Perform$9+67.0%
Mar 09, 2026InitiatedSSusquehannaPositive$17+215.4%
Mar 09, 2026InitiatedOOppenheimerOutperform$15+178.3%
Mar 09, 2026InitiatedMMorgan StanleyOverweight$21+289.6%
Mar 09, 2026InitiatedIItau BBAOutperform$15+178.3%
Mar 09, 2026InitiatedGGoldmanBuy$19+252.5%
Mar 09, 2026InitiatedCCitigroupBuy$18+234.0%
Mar 05, 2026InitiatedHHSBC SecuritiesBuy$15+178.3%

Peers

Mkt cap
TickerCompanyMkt cap
INTRInter & Co Inc1.77B
NUNu Holdings Ltd59.51B
BBDBanco Bradesco SA ADR14.34B
BSBRBanco Santander (Brasil) SA ADR18.34B
ITUBItau Unibanco Holding SA ADR40.80B
SUPVGrupo Supervielle SA ADR443.43M
BMABanco Macro SA ADR3.60B
PAGSPagSeguro Digital Ltd2.20B
XPXP Inc7.95B
STNEStoneCo Ltd1.91B

Insider trading

10 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
ALOE VINICIUS BIRKELANDChief Technology OfficerAug 31 '26Sale11.99256,3863,074,068176,423Sep 02 04:19 PM
ALOE VINICIUS BIRKELANDChief Technology OfficerAug 31 '26Sale5.964062,4200Sep 02 04:19 PM
De Farias Daniel MonteiroChief Products OfficerJun 03 '26Buy6.90100690100Jun 03 04:19 PM
Correa Glauber MarquesDirector and COOJun 01 '26Buy7.332,00014,6512,000Jun 02 04:29 PM
DUBEUX MARCELLO WINIKFinancial and IR OfficerMay 19 '26Buy7.001,0007,0001,000May 20 04:38 PM
Morais Rafael De OliveiraRisk & Controllership OfficerMay 14 '26Buy7.124363,101436May 14 04:23 PM
ALOE VINICIUS BIRKELANDChief Technology OfficerMay 12 '26Buy7.384073,001407May 12 03:46 PM
GIRARDI MATHEUSChief Sales OfficerMay 08 '26Buy7.092701,914270May 12 03:44 PM
TESTA MARCIANOChairman and CEOMay 07 '26Buy7.1528,000200,26428,000May 11 03:49 PM
De Farias Daniel MonteiroChief Products OfficerMay 07 '26Buy7.226935,000693May 08 04:48 PM

Held by

AUM
TickerCompanyAUM
EWXState Street SPDR S&P Emerging Markets Small Cap ETFAUM: 617.94M

News

latest 14 of 54

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-110.2700.2700.247277.79292.434
2026Q22026-08-050.2480.2580.271622.57410.814
2026Q12026-05-050.2460.2430.264277.82448.724
2025Q42026-03-230.2900.2670.050565.05352.932
2026Q4--0.355--317.874
2027Q1--0.291--323.132
2027Q2--0.340--348.212
2027Q3--0.490---1
2027Q4--0.472---1

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2025FY1.3311.3141.2881,0731,070
2026FY-1.130--1,103
2027FY-1.597--1,491
2028FY-2.068--1,892
2029FY-2.684---
2030FY-4.376--7,178

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-12421317.87307.33328.65
2026Q4S2026-10-29412325.96297.15343.15
2026Q4S2026-10-28302324.77296.91342.88
2026Q4S2026-10-23301347.13314.56363.59
2026Q4S2026-10-20401344.91315.37364.52
2026Q4S2026-10-06402347.7317.92367.47
2026Q4S2026-09-28411346.38325.83353.96
2026Q4S2026-09-27412346.18325.64353.75
2026Q4S2026-08-06413349.68328.93357.33
2026Q4S2026-07-20402351.47329.67365.41
2026Q4S2026-07-15403354.17332.2368.22
2026Q4S2026-07-14403351.31333.37363.93
2026Q4S2026-06-23412355.91332.82378.94
2026Q4S2026-05-07411376.87364395.69

Estimate history

EPS, annual0.460.7990.9709
Period20232024TTM
EPS, quarterly0.1820.3260.2530.210.2640.248
PeriodQ4 '24Q1 '25Q2 '25Q3 '25Q1 '26Q2 '26
Sales, annual982.2851334.1341691.33
Period20232024TTM
Sales, quarterly357.996407.156427.432498.742534.758586.877
PeriodQ4 '24Q1 '25Q2 '25Q3 '25Q1 '26Q2 '26
Shares, annual183.566183.566159.836
Period20232024MRQ
Shares, quarterly183.566183.566183.566183.566159.631159.836
PeriodQ4 '24Q1 '25Q2 '25Q3 '25Q1 '26Q2 '26

Income statement, annual

Currency USD, millions
MetricTTM2023FY
Total Revenue586.88-982.28
Total Expenses557.98-862.82
Operating Income28.90-119.46
Net Income Before Taxes22.75-116.45
Income Taxes-16.88-31.15
Consolidated Net Income39.63-85.30
Net Income From Continuing Operations39.63-84.48
Net Income39.63-84.48
EPS (Recurring)0.25-0.46
EPS (Basic, Before Extraordinaries)0.25-0.46
EPS (Diluted)0.25-0.46
Non-Operating Income (Expense)0.03-1.44
Other After Tax Adjustments0.00-0.00
Price To Earnings Ratio5.55--
Gross Margin53.64-58.82
Operating Margin15.30-12.16
Net Margin10.54-8.60
Shares Outstanding159.84-183.57
Market Capitalization862.02--

Income statement, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q32025Q22025Q12024Q4
Total Revenue586.88534.76498.74427.43407.16358.00
Total Expenses557.98490.42450.87360.33316.17305.26
Operating Income28.9044.3447.8767.1190.9952.73
Net Income Before Taxes22.7541.1140.3864.7587.5041.58
Income Taxes-16.885.621.6018.1926.547.81
Consolidated Net Income39.6335.4938.7846.5760.9633.77
Net Income From Continuing Operations39.6335.4938.5846.3659.8533.44
Net Income39.6335.4938.5846.3659.8533.44
EPS (Recurring)0.250.260.210.250.330.18
EPS (Basic, Before Extraordinaries)0.250.260.210.250.330.18
EPS (Diluted)0.250.260.210.250.330.18
Non-Operating Income (Expense)0.030.030.030.060.02-1.97
Other After Tax Adjustments0.000.000.000.000.000.00
Price To Earnings Ratio5.55-----
Gross Margin40.3140.5447.2651.5458.6759.30
Operating Margin4.928.299.6015.7022.3514.73
Net Margin6.756.647.7310.8514.709.34
Shares Outstanding159.84159.63183.57183.57183.57183.57
Market Capitalization862.021,162.691,149.90---

Balance sheet, annual

Currency USD, millions
Metric2023FY
Cash & Short Term Investments-68.06
Short Term Receivables-57.51
Investment Securities-0.00
Securities In Custody-0.00
Investments-3,584.17
Investment in Unconsolidated Affiliates-0.00
Net Property, Plant & Equipment-46.72
Deferred Tax Assets-141.50
Other Intangible Assets-87.41
Total Assets-3,985.38
Total Customer Deposits-2,712.49
Total Debt-117.48
Long Term Debt-104.51
Provision for Risks Charges-47.81
Deferred Tax Liabilities-40.00
Other Liabilities-798.91
Total Liabilities-3,716.69
Preferred Stock - Carrying Value-0.00
Common Equity-0.00
Total Shareholders Equity-0.00
Accumulated Minority Interest--0.59
Total Equity--0.59
Total Liabilities & Stockholders Equity-3,985.38
Book Value Per Share-0.00
Tangible Book Value Per Share--0.25
Full-Time Employees-4,116
Return on Invested Capital-80.84
Quick Ratio-0.27
Current Ratio-0.27

Cash flow, annual

Currency USD, millions
MetricTTM2023FY
Funds from Operations138.12--20.08
Extraordinary Item0.00-0.00
Changes in Working Capital119.05--964.88
Cash from Operating Activities257.18--984.96
Capital Expenditures-12.09--16.09
Net Assets From Acquisitions0.00-0.00
Sale of Fixed Assets and Businesses0.00-0.00
Purchase or Sale of Investments0.00-0.47
Purchase of Investments0.00-0.00
Sale Or Maturity of Investments0.00-0.47
Other Uses0.00-0.00
Other Sources0.00-0.00
Cash from Investing Activities-12.09--15.61
Cash Dividends Paid0.00-0.00
Preferred Dividends (Cash Flow)0.00-0.00
Change in Capital Stock4.60-0.00
Repurchase of Common Pref Stock-0.08-0.00
Sale of Common Pref Stock4.69-0.00
Proceedsfrom Stock Options4.69-0.00
Issuance or Reduction of Debt, Net144.19--0.00
Net Financing Active Other Cash Flow0.00-0.00
Other Financing Activities Uses0.00-0.00
Cash from Financing Activities-428.91-964.33
Net Change in Cash-183.82--36.25
Free Cash Flow253.52--986.80

Balance sheet, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q32025Q22025Q12024Q4
Cash & Short Term Investments186.70326.48---100.77
Short Term Receivables0.00112.28---90.61
Investments9,073.728,676.89---4,309.65
Investment in Unconsolidated Affiliates0.000.00---0.00
Net Property, Plant & Equipment58.5256.12---45.52
Deferred Tax Assets254.73277.21---134.63
Other Intangible Assets300.66163.01---96.37
Total Assets9,874.339,612.00---4,777.55
Total Customer Deposits3,667.144,174.29---2,683.29
Total Debt1,156.931,010.52---203.47
Long Term Debt1,006.18977.21---143.09
Provision for Risks Charges62.3056.61---48.87
Deferred Tax Liabilities24.1144.62---33.48
Other Liabilities4,036.643,434.54---1,407.53
Total Liabilities8,947.128,720.57---4,376.64
Preferred Stock - Carrying Value0.000.00---0.00
Common Equity927.21891.43---382.35
Total Shareholders Equity927.21891.43---382.35
Accumulated Minority Interest0.000.00---18.55
Total Equity927.21891.43---400.90
Total Liabilities & Stockholders Equity9,874.339,612.00---4,777.55
Book Value Per Share5.805.58---2.08
Tangible Book Value Per Share5.535.32---1.91
Full-Time Employees-----4,700
Price to Book Ratio0.93-----
Return on Invested Capital2.051.90---6.36
Quick Ratio0.200.74---0.24
Current Ratio0.200.74---0.24

Cash flow, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q32025Q22025Q12024Q4
Funds from Operations138.1292.14-229.1583.37147.28-
Extraordinary Item0.000.000.000.000.00-
Changes in Working Capital119.05-245.71498.18-409.37-634.47-
Cash from Operating Activities257.18-153.57269.02-325.99-487.20-
Capital Expenditures-12.09-17.06-8.58-5.27-8.75-
Net Assets From Acquisitions0.000.000.000.000.00-
Sale of Fixed Assets and Businesses0.000.000.000.000.00-
Purchase or Sale of Investments0.000.000.000.000.00-
Purchase of Investments0.000.000.000.000.00-
Sale Or Maturity of Investments0.000.000.000.000.00-
Other Uses0.000.000.000.000.00-
Other Sources0.000.000.000.000.00-
Cash from Investing Activities-12.09-17.06-8.58-5.27-8.75-
Cash Dividends Paid0.000.00-9.47-1.05-17.27-
Preferred Dividends (Cash Flow)0.000.000.000.000.00-
Change in Capital Stock4.60216.680.000.000.00-
Repurchase of Common Pref Stock-0.08-2.100.000.000.00-
Sale of Common Pref Stock4.69218.780.000.000.00-
Proceedsfrom Stock Options4.69218.780.000.000.00-
Issuance or Reduction of Debt, Net144.1922.7212.1635.02-7.89-
Net Financing Active Other Cash Flow0.000.000.000.000.00-
Other Financing Activities Uses0.000.000.000.000.00-
Cash from Financing Activities-428.91394.07-194.55192.67452.10-
Net Change in Cash-183.82223.4465.89-138.59-43.85-
Free Cash Flow253.52-156.58265.39-326.74-489.13-

Revenue breakdown

Revenue split-

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.74%1.6M28.5M352.37K
2026-10-152.97%0.8M28.5M285.18K
2026-09-302.91%0.8M28.5M248.82K
2026-09-153.01%0.9M28.5M279.54K
2026-08-313.56%1.0M28.5M320.32K
2026-08-143.41%1.0M28.2M338.74K
2026-07-315.41%1.5M28.2M395.18K
2026-07-155.87%1.7M28.2M410.70K
2026-06-306.53%1.8M28.2M496.42K
2026-06-159.57%2.7M28.2M555.62K
2026-05-299.49%2.7M28.2M581.28K
2026-05-1510.34%2.9M28.2M634.69K
2026-04-307.43%2.2M29.4M731.38K
2026-04-155.82%1.7M29.4M803.14K
2026-03-314.64%1.5M33.0M837.97K
2026-03-133.32%1.1M33.0M915.98K
2026-02-271.46%0.5M33.0M1.21M
2026-02-131.40%0.5M34.2M2.82M

Option chain

expiry 2026-11-12
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-276-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-12-31SEC
2026-10-026-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-12-31SEC
2026-09-236-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-30SEC
2026-09-21S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-09-024Statement of changes in beneficial ownership of securities2026-08-31SEC
2026-08-216-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-30SEC
2026-08-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-08-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-08-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-08-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-30SEC
2026-07-316-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-30SEC
2026-07-286-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-30SEC
2026-07-21SCHEDULE 13G/ASEC
2026-06-226-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-06-166-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-03SEC
2026-06-024Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-05-204Statement of changes in beneficial ownership of securities2026-05-19SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-05-14SCHEDULE 13GSEC
2026-05-124Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-124Statement of changes in beneficial ownership of securities2026-05-08SEC
2026-05-114Statement of changes in beneficial ownership of securities2026-05-07SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-07SEC
2026-05-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-05-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-03-31SEC
2026-05-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-03-31SEC
2026-05-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-03-31SEC
2026-04-3020-FRegistration statement under Section 12 of the Securities Exchange Act of 1934 or an annual or transition report filed under Section 13(a) or 15(d) of the Exchange Act for a foreign private issuer.2025-12-31SEC
2026-04-29S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-08003.08M2
2026-070000
2026-0615.34K200
2026-05220.28K600
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.1.47%
Capital World Investors1.39%
Point72 Asset Management, L.P.0.94%
NORGES BANK0.78%
ADVENT INTERNATIONAL, L.P.0.70%
MARSHALL WACE, LLP0.69%
FIL Ltd0.49%
Verde Servicos Internacionais S.A.0.31%
TEACHER RETIREMENT SYSTEM OF TEXAS0.31%
MACKENZIE FINANCIAL CORP0.26%

Funds

Fund% owned
SMALLCAP World Fund Inc1.36%
SMALLCAP World Fund0.03%
JOHCM Emerging Markets Discovery Fund0.03%
Blackstone Alternative Multi-Strategy Fund0.01%
Small Cap Core Fund0.01%

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