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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.
AGI Inc filed an initial insider report for Risk & Controllership Officer Rafael de Oliveira Morais, showing an indirect holding of 105,232 Class A common shares as of this filing. These shares are held through AGI Partners Limited, and Morais disclaims beneficial ownership except for any pecuniary interest.
AGI Inc Chief Sales Officer Matheus Girardi filed an initial ownership report showing indirect holdings of 190,480 Class A common shares. The shares are held through Agi Partners Limited, and Girardi disclaims beneficial ownership except to the extent of any pecuniary interest in that entity.
AGI Inc filed an initial ownership report for its Financial and IR Officer, Marcello Winik Dubeux. The filing shows indirect ownership of 169,259 Class A common shares held through AGI Partners Limited. Dubeux disclaims beneficial ownership of these shares except to the extent of any pecuniary interest.
AGI Inc executive Lucas Araujo de Aguiar filed an initial Form 3 reporting indirect ownership of 254,336 Class A common shares. These shares are held through AGI Partners Limited, and he disclaims beneficial ownership except to the extent of any pecuniary interest in that entity.