AGI Balance Sheet Health
Financial Health criteria checks 1/6
Insufficient data to determine the health of AGI
Key information
10.8x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | n/a |
| Loan to deposit ratio | High |
| Bad loans | n/a |
| Allowance for bad loans | n/a |
| Current ratio | Good |
| Cash & equivalents | R$4.14b |
Recent financial health updates
Recent updates
Hybrid Platform And Payroll Credit Expansion Will Support Stronger Earnings Power
Catalysts About AGI Agi is a Brazilian financial institution focused on a hybrid platform that combines technology, data, artificial intelligence and physical presence to offer credit, deposits and fee based financial services. What are the underlying business or industry changes driving this perspective?
Regulatory Pressure On Hybrid Lending Model Will Reshape Margins Yet Support Stable Long Term Earnings
Catalysts About AGI Agi is a Brazilian financial institution focused on a hybrid model that combines digital and in person channels to offer credit, deposits and fee based services to mass market customers. What are the underlying business or industry changes driving this perspective?
Hybrid Banking Expansion And AI Adoption Will Support Long Term Earnings Resilience
Catalysts About AGI AGI operates a hybrid digital and physical banking platform focused on Brazilian payroll and social security beneficiaries. What are the underlying business or industry changes driving this perspective?Agibank: An Interesting IPO At A Reasonable Price
Summary Agibank offers a compelling buying opportunity post-IPO, trading at an attractive 5.6x forward earnings with robust growth metrics. Agibank’s hybrid business model targets Brazil’s underbanked, boasting 6.4 million customers and a 114.5% profit CAGR from 2022 to 2024. Despite a challenging IPO process, Agibank’s valuation remains conservative, with a projected 25% upside using a 7x earnings multiple. Risks include regulatory scrutiny and operational issues, making Agibank suitable for bold investors as a small portfolio allocation. Read the full article on Seeking AlphaFinancial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: AGBK's Assets to Equity ratio (10.8x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if AGBK has a sufficient allowance for bad loans.
Low Risk Liabilities: AGBK reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if AGBK has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: AGBK reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if AGBK has an appropriate level of bad loans.
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/15 20:30 |
| End of Day Share Price | 2026/06/12 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
AGI Inc is covered by 10 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Marcelo Mizrahi | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |
| Eduardo Rosman | BTG Pactual |
| Gustavo Schroden | Citigroup Inc |