AGBK
AGI IncFinancial Services·Banks - Regional
$7.20
$1.2B market cap
Revenue
$3.0B
Free Cash Flow
$62.3M
Rev Growth
+0.0%
FCF Margin
2.1%
P/FCF
93.3x
EV/FCF
154.5x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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.
2-Year Price History
$7.11-35.4%
Quarterly Financials & Projections
Quarterly Waterfall (BRL M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2025-Q4 | 2,958 | 293.3 | 238.1 | 214.9 | 101.5 | 62.3 | -39.2 | 1,111 | 4,926 | 159.9 | 7.2% | 0.2x | -- |
Valuation & Metrics
Market Stats
Price$7.20
Market Cap$1.2B
Enterprise Value$9.6B
P/S Ratio2.0x
P/FCF93.3x
EV/FCF154.5x
FCF Margin (TTM)2.1%
FCF Yield1.1%
Dividend Yield (TTM)--
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$3.0B
Net Income$214.9M
Free Cash Flow$62.3M
Revenue Growth (YoY)+0.0%
EBITDA Margin9.9%
Net Margin7.3%
FCF Margin2.1%
CapEx % of Revenue1.3%
SBC % of Revenue0.0%
ROIC7.2%
WC Change % Rev0.0%
Interest Coverage0.2x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares2.2M
Days to Cover4.9
Change (vs Prior)+27.7%
Need at least 2 settlement dates for chart
Employees
Headcount4,700
Revenue / Employee$629,459
Gross Profit / Employee$232,138
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
8.7%
32 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
1.3%
1 filers
Vanguard, iShares, SPDR
Market makers
0.1%
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
Not enough quarterly ownership history to chart yet.
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Capital World Investors | $15.8M | $7.27 | +$15.8M | +$15.8M | — | $732.46B |
| BlackRock, Inc.Passive | $15.2M | $7.27 | +$15.2M | +$15.2M | — | $5.69T |
| Point72 Asset Management, L.P. | $9.7M | $7.27 | +$9.7M | +$9.7M | — | $54.88B |
| FIL Ltd | $8.7M | $7.27 | +$8.9M | +$8.7M | — | $128.59B |
| ADVENT INTERNATIONAL, L.P. | $8.2M | $7.27 | +$8.2M | +$8.2M | — | $4.24B |
| SAMLYN CAPITAL, LLC | $7.7M | $7.27 | +$7.7M | +$7.7M | — | $5.75B |
| MILLENNIUM MANAGEMENT LLC | $7.3M | $7.27 | +$7.3M | +$7.3M | — | $127.40B |
| MARSHALL WACE, LLP | $7.0M | $7.27 | +$7.0M | +$7.0M | — | $92.71B |
| Verde Servicos Internacionais S.A. | $5.7M | $7.27 | +$5.7M | +$5.7M | — | $326M |
| CITADEL ADVISORS LLC | $4.3M | $7.27 | +$4.3M | +$4.3M | — | $138.22B |
| BALYASNY ASSET MANAGEMENT LLC | $4.0M | $7.27 | +$4.0M | +$4.0M | — | $48.01B |
| D. E. Shaw & Co., Inc. | $3.6M | $7.27 | +$3.6M | +$3.6M | — | $118.02B |
| TEACHER RETIREMENT SYSTEM OF TEXAS | $3.6M | $7.27 | +$3.6M | +$3.6M | — | $24.00B |
| JPMORGAN CHASE & CO | $2.8M | $7.27 | +$2.9M | +$2.8M | — | $1.47T |
| BW Gestao de Investimentos Ltda. | $2.0M | $7.27 | +$2.0M | +$2.0M | — | $2.25B |
| Centiva Capital, LP | $1.9M | $7.27 | +$1.9M | +$1.9M | — | $2.14B |
| Ghisallo Capital Management LLC | $1.5M | $7.27 | +$1.5M | +$1.5M | — | $2.56B |
| JANE STREET GROUP, LLCMM | $1.2M | $7.27 | +$1.2M | +$1.2M | — | $92.10B |
| HRT FINANCIAL LP | $1.1M | $7.27 | +$1.1M | +$1.1M | — | $39.46B |
| SEVEN GRAND MANAGERS, LLC | $727K | $7.27 | +$727K | +$727K | — | $1.50B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.42%
avg per quarter
Holders (ex-self)
—
excl. this stock
Buyers (this Q)
-0.42%
35 buyers · $0.12B in
Sellers (this Q)
+0.00%
0 sellers · $0.00B out
alpha coverage: 100% of $ has a lifetime-alpha record
Holder behavior (holder profile)source: holder
On big dips (−10%+)
-12.5%
how holders react when this stock falls
On quiet Qs
-6.5%
−10% to +10% baseline
On rallies (+10%+)
-12.6%
how they react when this stock rises
Holders' portfolio flow this Q
-0.8%
outflows — trims may be forced
Sellers' portfolio flow this Q
+0.0%
Sellers' overall flow ~ flat.
New buyers this quarter
Top-5 holders · 49.3%
Capital World Investors--
BlackRock, Inc.--
Point72 Asset Management, L.P.--
FIL Ltd--
ADVENT INTERNATIONAL, L.P.--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
Not enough holder history to plot.
Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (8 analysts)$16.7413250.0%
Last Year (8 analysts)$16.7413250.0%
Current Price$7.20
Analyst Ratings
1
Hold: 1Consensus: Hold
Corporate
Order Flow (FINRA, ~3w lag)
37.3%retail+20.1pp
16.3%dark-12.2pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.