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AGI
AGI (AGBK) investor relations material
AGI has been private
AGI Registration Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Registration Filing summary29 Jan, 2026
Company overview and business model
Provides specialized financial services to underserved Brazilians, focusing on social security beneficiaries, private and public sector workers, and those not reached by digital-only banks.
Operates a hybrid model combining digital platforms and 1,101 asset-light Smart Hubs for in-person onboarding and support.
Offers a suite of solutions: secured lending (payroll, social security, FGTS-backed), digital banking, credit cards, and insurance products.
As of September 30, 2025, serves 6.4 million active clients and manages a R$34.5 billion credit portfolio, with 86.2% secured by dedicated income streams.
Maintains a strong brand reputation, with a Net Promoter Score of 70 and high customer retention through personalized service and education.
Financial performance and metrics
Total revenues for the nine months ended September 30, 2025: R$7.7 billion, up 50.3% year-over-year; net income: R$831.7 million, up 39.3%.
For the year ended December 31, 2024: revenues R$7.3 billion (+46% YoY), net income R$794.4 million (+86.4% YoY).
Credit portfolio grew 54.7% YoY to R$34.5 billion as of September 30, 2025; 90-day NPL ratio at 2.6%, credit loss allowance/portfolio at 5.3%.
Annualized ROAE for the nine months ended September 30, 2025: 39.1%, among the highest in Brazil.
Customer acquisition cost (CAC) was R$65 per customer in 9M25, with LTV/CAC ratio above 20x in 2024.
Use of proceeds and capital allocation
Net proceeds of approximately US$703.9 million (at US$16.50/share midpoint) to be used for general corporate purposes and potential acquisitions or investments.
No current agreements for material acquisitions; management retains flexibility in allocation.
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Latest summaries
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EBITDA and margins rose on IP focus, but regulatory changes led to major impairment losses. - HAPPYFORGE
Stable to growing financials, strong margins, and disciplined IPO fund use with no audit concerns. - RBA
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$1.1B net profit, 37% EBITDA margin, record sales, and major restructuring drive future growth. - 8059
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Double-digit sales and profit growth, revised forecasts, and a stock split impact. - 3401
Major impairments and divestitures drove losses, but Healthcare posted strong growth.
Next AGI earnings date
Q1 202611 Feb, 2026
AGI
Next AGI earnings date
Q1 202611 Feb, 2026
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