AGI Inc
AGBK NYSE Commercial Banks, Nec Financials FY2023–FY2025
Last close · Oct 23, 2026
$7.58
4.3%What AGI Inc does
No business description yet.
- Legal name
- AGI Inc
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 30, 2026
- Accession · CIK
- 0001292814-26-002716
0002081206
Revenue and margins
AGI Inc had $795M of revenue in fiscal 2025, up 10.0% on the year before.
Net income and earnings per share
Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
AGI Inc returned — to shareholders in fiscal 2025. The diluted share count rose 4.3%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY23 | FY24 | FY25 |
|---|---|---|---|
| Deposits | — | $2.7B | $3.8B |
| Total assets | — | $4.8B | $8.7B |
| Shareholders' equity | $269M | $382M | $598M |
| Goodwill | $0.0M | $0.0M | $0.0M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
3 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Income statement | |||
| Revenue | $565M | $723M | $795M |
| Net interest income | $565M | $723M | $795M |
| Interest expense | $377M | $514M | $908M |
| Pretax income | $116M | $193M | $239M |
| Income tax | −$44.4M | −$80.5M | −$125M |
| Net income | $84.5M | $147M | $186M |
| Net income to common | $84.5M | $147M | $186M |
| Diluted shares | 0.79B | 0.79B | 0.82B |
| Cash flow | |||
| Cash from operations | −$6.7M | $90.4M | −$73.3M |
| Capital expenditure | $1.8M | $5.0M | $9.4M |
| Free cash flow | −$8.5M | $85.4M | −$82.7M |
| Depreciation and amortization | $27.0M | $30.6M | $36.1M |
| Dividends paid | $16.0M | $33.4M | — |
| Dividends and buybacks | $16.0M | $33.4M | — |
| Balance sheet | |||
| Cash and short-term investments | $93.4M | $227M | $156M |
| Total debt | — | $77.6M | $122M |
| Deposits | — | $2.7B | $3.8B |
| Property and equipment, net | $9.2M | $9.4M | $16.9M |
| Goodwill | $0.0M | $0.0M | $0.0M |
| Total assets | — | $4.8B | $8.7B |
| Total liabilities | — | $4.4B | $8.1B |
| Shareholders' equity | $269M | $382M | $598M |
| Margins | |||
| Net margin | 14.9% | 20.3% | 23.3% |
| FCF margin | −1.5% | 11.8% | −10.4% |
| Net interest share of revenue | 100.0% | 100.0% | 100.0% |
| Returns | |||
| Return on equity | 31.4% | 45.1% | 37.9% |
| Return on assets | — | 3.1% | 2.8% |
| Return on tangible equity | 31.4% | 38.4% | 31.0% |
| Growth | |||
| Revenue growth | — | 27.8% | 10.0% |
| Net income growth | — | 73.7% | 26.5% |
| FCF growth | — | — | −196.8% |
| Share count change | — | 0.0% | 4.3% |
| Financial health | |||
| Debt / equity | — | 0.2x | 0.2x |
| Capital allocation | |||
| Capex / revenue | 0.3% | 0.7% | 1.2% |
| Payouts / FCF | — | 39.1% | — |
| Quality scores | |||
| Piotroski F-score | — | — | 2.0 |
| Accruals ratio | — | 1.2% | 3.8% |
Source: SEC EDGAR XBRL filings (CIK 0002081206). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. Filed in BRL under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.