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AGI Inc provides technology-based specialized financial services in Brazil. The company offers social security benefits, severance fund benefits, and public or private sector payrolls through secured lending solutions and complementary banking, credit, and insurance products. It provides its services through cloud-based software, AI-driven automation, and mobile applications. The company was founded in 1999 and is based in Campinas, Brazil.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public disclosures for AGI Inc (NYSE: AGBK) are limited, so the company's core business and industry positioning are not clearly described in readily available filings or investor materials. Because detailed information is lacking, long-term growth drivers cannot be reliably identified; investors should review the company's SEC filings and investor relations and may find the stock attractive only if those sources demonstrate sustainable revenue streams and scalable competitive advantages.
The principal risk is low transparency and limited liquidity, which increases uncertainty about financial condition, corporate governance and execution and could raise the chance of regulatory action or delisting.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| Type | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Income before tax | 1041.01M | 581.63M | 244.24M |
| Minority interest | -3.34M | -4.07M | -3.79M |
| Net income | 791.01M | 421.99M | 168.88M |
| Selling general administrative | 1386.01M | 1141.65M | 989.77M |
| Selling and marketing expenses | 54.93M | 34.37M | 21.33M |
| Gross profit | 3334.69M | 2291.88M | 1652.72M |
| Reconciled depreciation | 164.84M | 134.86M | 119.84M |
| Ebit | 1041.01M | 581.63M | 244.24M |
| Ebitda | 1205.85M | 716.49M | 364.09M |
| Depreciation and amortization | 164.84M | 134.86M | 119.84M |
| Operating income | 1041.01M | 581.63M | 244.24M |
| Other operating expenses | 6231.64M | 4406.01M | 3077.80M |
| Interest expense | 2804.24M | 1907.71M | 1085.30M |
| Tax provision | 246.66M | 155.58M | 72.92M |
| Interest income | 6665.32M | 4709.12M | 3083.24M |
| Net interest income | 3861.08M | 2801.41M | 1997.94M |
| Income tax expense | 246.66M | 155.58M | 72.92M |
| Total revenue | 7272.65M | 4987.64M | 3322.05M |
| Total operating expenses | 2293.68M | 1710.24M | 1408.48M |
| Cost of revenue | 3937.95M | 2695.77M | 1669.33M |
| Net income from continuing ops | 794.36M | 426.06M | 171.33M |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| Type | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Total assets | 29514.96M | 19359.38M | - |
| Intangible assets | 199.01M | 221.89M | - |
| Other current assets | 239.73M | 139.24M | - |
| Total liab | 27038.25M | 18054.19M | - |
| Total stockholder equity | 2362.09M | 1308.04M | - |
| Other current liab | 16576.94M | 13176.18M | - |
| Common stock | 1673.00M | - | - |
| Capital stock | 1673.00M | - | - |
| Retained earnings | 52.73M | 0.00M | - |
| Good will | 0.15M | 0.15M | - |
| Cash | 454.18M | 353.68M | - |
| Total current liabilities | 17270.10M | 13479.14M | - |
| Net debt | 809.03M | 224.53M | - |
| Short term debt | 323.55M | 70.57M | - |
| Short long term debt | 243.15M | - | - |
| Short long term debt total | 1263.21M | 578.22M | - |
| Other stockholder equity | -1.16M | 1308.04M | - |
| Total current assets | 708.30M | 532.76M | - |
| Long term investments | 4008.22M | 2596.35M | - |
| Short term investments | 14.39M | 39.84M | - |
| Long term debt | 759.24M | 363.94M | - |
| Accounts payable | 222.94M | 154.96M | - |
| Accumulated other comprehensive income | 637.52M | - | - |
| Non currrent assets other | 492.50M | 256.36M | - |
| Non current assets total | 28806.66M | 18826.62M | - |
| Capital lease obligations | 254.60M | 206.75M | - |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| Type | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Total cashflows from investing activities | -107.80M | -78.00M | -98.78M |
| Net borrowings | 361.90M | -69.75M | -73.87M |
| Total cash from financing activities | 572.78M | -69.75M | -73.87M |
| Net income | 794.36M | 426.06M | 172.68M |
| Change in cash | 952.02M | -181.07M | 437.54M |
| Begin period cash flow | 453.39M | 634.45M | 196.92M |
| End period cash flow | 1405.41M | 453.39M | 634.45M |
| Total cash from operating activities | 487.04M | -33.32M | 610.18M |
| Depreciation | 164.84M | 134.86M | 119.84M |
| Other cashflows from investing activities | -80.89M | -71.18M | -91.10M |
| Dividends paid | 179.79M | 0.00M | 0.00M |
| Other cashflows from financing activities | 390.67M | - | - |
| Capital expenditures | 107.80M | 80.34M | 98.78M |
| Change in working capital | 491.43M | 66.98M | 780.01M |
| Other non cash items | -1210.24M | -816.79M | -535.26M |
| Free cash flow | 379.24M | -113.66M | 511.40M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| AGBK AGI Inc |
-2.85 37.60% |
4.73 | 5.75 | 5.20 | 0.31 | 1.82 | 1.19 |
| DBSDY DBS Group Holdings Ltd ADR |
0.10 0.04% |
231.96 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.10 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.46 1.40% |
33.25 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.38 0.47% |
80.27 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
AGI Inc provides technology-based specialized financial services in Brazil. The company offers social security benefits, severance fund benefits, and public or private sector payrolls through secured lending solutions and complementary banking, credit, and insurance products. It provides its services through cloud-based software, AI-driven automation, and mobile applications. The company was founded in 1999 and is based in Campinas, Brazil.
Rua Sergio Fernandes Borges Soares, Campinas, SP, Brazil, 13054-709
55 19 3031 4000
4700
| Name | Title | Year Born |
|---|---|---|
| Mr. Marciano Testa | Founder, CEO & Chairman | 1976 |
| Mr. Divyansh Garg | Co-Founder | NA |
| Mr. Naman Garg | Co-Founder | NA |
| Mr. Marcello Winik Dubeux | Chief Financial & Investor Relations Officer | 1980 |
| Mr. Glauber Marques Correa | COO & Director | 1974 |
| Mr. Vinicius Birkeland Aloe | Chief Technology Officer | 1987 |
| Mr. Matheus Girardi | Chief Sales Officer | 1990 |
| Mr. Lucas Araujo de Aguiar | Chief People & Governance Officer | 1986 |
| Mr. Daniel Antonio Pires | Chief Data & Credit Officer | 1985 |
| Mr. Daniel Monteiro de Farias | Chief Products Officer | 1982 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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Basic Materials
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Communication Services
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Consumer Cyclical
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Consumer Defensive
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Financial Services
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