Agi (AGBK)
Combines digital banking with Smart Hubs for Brazilian payroll-linked financial services.
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Combines secured lending tied to social-security benefits, severance funds, and payrolls with digital accounts, credit, insurance, and Smart Hubs. The hybrid model serves Brazilian customers underserved by traditional banks and digital-only players.
Combines a fully digital bank with asset-light Smart Hubs that bring customers into its platform. Its core offer is secured lending linked to social-security benefits, severance-fund benefits, and public- or private-sector payrolls, alongside digital accounts, credit, and insurance.
Smart Hubs operate across Brazilian cities as physical entry points to a digital platform. The company developed lending expertise serving lower-income, older, and retiree customers, a group underserved by traditional banks and digital-only players.
Operations depend materially on payroll-linked lending and the rules governing deductions from benefits and paychecks. Enhanced compliance obligations and possible INSS loan-market measures shape the operating environment.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 7, 2026 | Oppenheimer | Reiterate | Rating: —Target: $15 | Target: $9 |
| Aug 6, 2026 | Goldman Sachs | Target | Target: $19 | Target: $13 |
| May 8, 2026 | Susquehanna | Target | Target: $17 | Target: $14 |
| May 6, 2026 | Itau BBA | Downgrade | ||
| Mar 9, 2026 | Oppenheimer | Target | Target: — | Target: $15 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $172.7M · Total debt $1.22B · Total assets $9.88B · Shareholders' equity $928.2M
- Revenue
- $613.3M
- Operating income
- $22.2M
- Net income
- $38.7M
Reported in BRL, converted at the latest exchange rate
No dividends on record.
| Institutions | 23.95% | 14.06M shares | |
|---|---|---|---|
| 33 holders · as of Jun 30, 2026 | |||
| Other | 76.05% | 44.64M shares | |
| remainder | |||
58.70M company shares as of Aug 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count has not been confirmed by a second filing; stakes use it as it stands.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 3.99% | 2.34M | as of Jun 30, 2026 |
Capital World InvestorsInstitution | 3.80% | 2.23M | as of Jun 30, 2026 |
FIL LtdInstitution | 2.61% | 1.53M | as of Jun 30, 2026 |
Point72 Asset Management, L.P.Institution | 2.57% | 1.51M | as of Jun 30, 2026 |
Norges BankInstitution | 2.13% | 1.25M | as of Jun 30, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Agi | $5.97 | −1.16% | $966.0M | 7.5 | 22.3 | 0.4 | — |
| Itaú Unibanco (ADR) | $8.22 | −2.55% | $92.91B | 10.6 | 10.9 | 1.2 | −51.6% |
| Banco Bradesco (ADR) | $3.47 | −2.94% | $37.76B | 8.1 | 8.0 | 0.6 | +21.1% |
| Santander Brasil (ADR) | $5.71 | −2.31% | $43.73B | 9.5 | 8.9 | 0.6 | +9.5% |
| Inter & Co | $5.30 | −4.33% | $2.45B | 8.1 | 8.0 | 0.7 | −18.0% |
| Nu | $13.66 | −3.53% | $68.58B | 19.1 | 13.6 | 3.5 | +66.0% |
| Median | 9.5 | 8.9 | 0.7 | +9.5% |