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
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 7, 2026 | Oppenheimer | Reiterate | Outperform | $15 | $9 | |
| Aug 6, 2026 | Goldman Sachs | Target | $19 | $13 | ||
| May 8, 2026 | Susquehanna | Target | $17 | $14 | ||
| May 6, 2026 | Itau BBA | Downgrade | Outperform | Market Perform | ||
| Mar 9, 2026 | Oppenheimer | Target | $15 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $175.4M · Total debt $1.24B · Total assets $10.04B · Shareholders' equity $943.1M
- Revenue
- $623.2M
- Operating income
- $22.6M
- Net income
- $39.4M
Reported in BRL, converted at the latest exchange rate
No dividends on record.
| Institutions37 holders · as of Mar 31, 2026 | 28.79% | 16.90M shares | |
| Otherremainder | 71.21% | 41.80M shares |
58.70M company shares as of Aug 22, 2026 · institutions as of Mar 31, 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 | Evidence |
|---|---|---|---|
Capital World InvestorsInstitution | 3.71% | 2.18M | 13Fas of Mar 31, 2026 |
BlackRock, Inc.Institution | 3.56% | 2.09M | 13Fas of Mar 31, 2026 |
Point72 Asset Management, L.P.Institution | 2.28% | 1.34M | 13Fas of Mar 31, 2026 |
FIL LtdInstitution | 2.08% | 1.22M | 13Fas of Mar 31, 2026 |
Advent International Corp/MAInstitution | 1.92% | 1.13M | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings
Insider tradesForm 4
Nothing filed in the last 12 months.
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ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Agi | $6.87 | +1.93% | $1.08B | 8.3 | 24.9 | 0.5 | — |
| Itaú Unibanco (ADR) | $8.10 | +0.31% | $89.06B | 10.1 | 10.4 | — | −51.6% |
| Banco Bradesco (ADR) | $3.45 | −0.13% | $36.49B | 7.8 | 7.7 | 0.5 | −47.8% |
| Santander Brasil (ADR) | $5.97 | +1.19% | $44.10B | 9.6 | 9.0 | 1.1 | −54.6% |
| Inter & Co | $5.89 | +0.26% | $2.60B | 8.6 | 8.7 | 0.8 | −18.0% |
| Nu | $15.38 | −0.10% | $74.58B | 20.8 | 15.5 | 3.8 | +66.0% |
| Median | 9.6 | 9.0 | 1.0 | −47.8% |