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AGI Inc, a Cayman holding company for Brazilian lender Agibank Brazil, files its annual 20-F prepared under IFRS and presented in Brazilian reais. As of December 31, 2025 it had 58,700,711 Class A and 101,229,359 Class B common shares outstanding, reflecting a dual-class, controlled structure.
The report explains a 2026 IPO-related reorganization, where former Agibank Brazil shareholders contributed their shares in exchange for Class A and Class B stock, leaving 159,930,070 common shares outstanding and voting control with founder Marciano Testa. It highlights extensive dependence on agreements with Brazil’s social security agency INSS for payroll-deductible lending and benefit payment services, noting past temporary suspensions, new settlements that impose enhanced oversight, operational changes and refunds estimated at roughly US$6–8 million plus a R$1.0 million payment.
AGI also outlines new Brazilian rules capping credit-card and FGTS-backed lending economics, and structural changes to payroll-deductible loans that may increase friction and compliance costs. Management presents a non-IFRS profitability metric called Risk-Adjusted NIM and discloses a Net Promoter Score of 70 as of December 31, 2025, stressing both customer satisfaction and significant regulatory, concentration and interest-rate risks.
Agi Inc, through its subsidiary Agibank, reported the closing of its second FIDC (Credit Rights Investment Fund), raising R$2.5 billion to fund the bank’s credit operations. The fund has a maximum term of 10 years and was issued in a single tranche at CDI + 1.05% per year.
The FIDC is backed by payroll-deductible loan contracts originated by Agibank, was placed with professional investors, and received a ‘AAA.br’ rating from Moody’s. Management highlights this structure as a key funding diversification tool supporting credit portfolio growth; Agibank’s total credit portfolio reached R$34.9 billion at the end of 2025, a 44% increase during the year.
AGI Inc (AGBK) Schedule 13G filed reporting a shared stake in Class A common shares. The filing states that Lumina FIP beneficially owns 8,045,726 Class A common shares, representing 13.70% of the Class A shares. Lumina Capital Management Ltda. is the investment manager and is included in a joint filing.
The ownership percentages are calculated using 58,700,711 Class A common shares outstanding as of February 10, 2026 per the company's final prospectus. The Reporting Persons disclaim ownership except to the extent of their pecuniary interest and have filed a Joint Filing Agreement.
AGI Inc director RIOS ROSA has filed an initial Form 3 ownership report for AGBK. This filing lists the insider as a director but does not show any reportable stock or derivative holdings and records no purchases, sales, or other transactions at this time.
AGI Inc Chairman and CEO Marciano Testa filed an initial ownership report showing indirect holdings of Class B shares that are convertible into Class A shares on a 1-for-1 basis. The filing lists 97,545,219 underlying Class A shares held through MT Capital Limited and 3,684,139 underlying Class A shares held through Testa Ventures, Yepidale International Ventures Limited and AGI Partners Limited, plus 1 additional underlying Class A share via AGI Partners Limited. Testa is the controlling shareholder of AGI Partners Limited and disclaims ownership of the Class A and Class B shares it holds except to the extent of his pecuniary interest.
AGI Inc, through Agi Financial Holding S.A., reports strong growth for the year ended December 31, 2025. Total assets rose to R$47,760,585 thousand from R$29,514,961 thousand as the loan portfolio and financial assets expanded sharply. Financial assets at amortized cost increased to R$41,258,221 thousand, driven mainly by payroll loans of R$25,808,985 thousand and personal credit of R$6,073,632 thousand.
Net interest income grew to R$4,446,314 thousand from R$3,894,469 thousand, while net income reached R$1,046,613 thousand, up from R$794,356 thousand. Earnings per share were R$1.23 for common shares and R$1.59 for preferred shares. The allowance for expected credit losses increased to R$2,413,641 thousand, reflecting portfolio growth and higher Stage 3 balances. Deposits climbed to R$20,850,682 thousand and total financial liabilities at amortized cost to R$31,699,085 thousand, supporting rapid balance-sheet expansion.
Total equity attributable to the parent increased to R$3,276,860 thousand from R$2,362,091 thousand, helped by a capital increase and retained earnings, despite negative other comprehensive income from cash flow hedges.
Agi Inc delivered strong 2025 results, combining rapid growth and high profitability as a newly listed NYSE bank. Total revenues reached R$10.7 billion, up 46.8% year over year, while net income grew 31.8% to R$1.0 billion, with return on equity of 35.8%.
The customer base expanded 72.9% to 6.7 million active clients, supporting a 43.9% increase in the gross credit portfolio to R$34.9 billion, mostly secured loans. AI-driven automation and a hybrid digital–Smart Hub model improved efficiency, with the operating efficiency ratio improving to 40.6% from 46.5%.
Credit costs rose as Non‑Performing Loans over 90 days increased to 3.7%, influenced by growth in private payroll credit and temporary INSS-related suspensions that also depressed 4Q25 origination. Even so, coverage stood at 189.4% and the Basel III capital adequacy ratio was 15.5%, giving room to support further growth.
Agi Inc reported its fourth-quarter and full-year 2025 results, highlighting a record profit exceeding R$1 billion and assets growth of 62% in 2025. Management said total revenue grew 47% year-over-year and net income increased 32%, reflecting the scalability of its hybrid digital-and-branch model in Brazil’s payroll-linked financial market. The company emphasized expanding its active customer base and credit portfolio while maintaining what it describes as strong efficiency and profitability among Brazilian financial institutions.
AGI Inc submitted a report that includes its earnings call presentation for 4Q25. The materials describe a strategy focused on helping consumers access their benefits and payrolls, provide credit, and manage their finances more effectively.
The company positions itself as a digital bank with a nationwide retail network of smart hubs in Brazil, targeting social security beneficiaries and payroll workers, described as around 100 million people or about half of the country’s population. AGI highlights a hybrid model that uses artificial intelligence and advanced technologies to offer faster, better targeted, asset-light financial services while aiming to bridge gaps in both legacy and fully digital banks.
AGI Inc’s Chief Technology Officer, Aloe Vinicius Birkeland, filed an initial ownership report showing an indirect position in the company. The filing lists 432,809 Class A common shares held through AGI Partners Limited, rather than in his own name.
According to the disclosure, Mr. Birkeland Aloe owns AGI Inc shares through AGI Partners Limited and disclaims beneficial ownership of the shares held by that entity, except to the extent of any pecuniary interest he may have in them.