AGI Inc Income Statement

Financials in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Interest and Dividend Income	9,522	6,665	4,709	3,083
Total Interest Expense	5,108	2,804	1,908	1,085
Net Interest Income	4,415	3,861	2,801	1,998
Commissions and Fees	868.54	526.93	197.27	134.67
Gain (Loss) on Sale of Investments	303.22	92.11	81.25	104.15
Revenue Before Loan Losses	5,586	4,480	3,080	2,237
Provision for Loan Losses	1,700	1,134	788.05	584.03
Revenue	3,886	3,346	2,292	1,653
Revenue Growth (YoY)	16.12%	46.01%	38.67%	-
Salaries & Employee Benefits	524.67	448.87	438.75	412.49
Cost of Services Provided	1,118	1,226	737.24	598.65
Other Operating Expenses	503.8	429.97	276.05	219.42
Total Operating Expenses	2,349	2,270	1,587	1,350
Operating Income	1,537	1,077	704.98	302.32
EBT Excluding Unusual Items	1,529	1,053	720.08	321.24
Gain (Loss) on Sale of Investments	-	-11.72	-	-
Pretax Income	1,337	1,041	581.64	244.24
Income Tax Expense	290.21	246.66	155.58	72.92
Earnings From Continuing Ops.	1,047	794.36	426.06	171.33
Earnings From Discontinued Ops.	-	-	-	1.35
Net Income to Company	1,047	794.36	426.06	172.68
Minority Interest in Earnings	-8.78	-3.34	-4.07	-3.79
Net Income	1,038	791.01	421.99	168.89
Net Income to Common	1,038	791.01	421.99	168.89
Net Income Growth	31.20%	87.45%	149.87%	-
Shares Outstanding (Basic)	823	789	418	418
Shares Outstanding (Diluted)	823	789	418	418
Shares Change (YoY)	4.33%	88.74%	-	-
EPS (Basic)	1.26	1.00	1.01	0.40
EPS (Diluted)	1.26	1.00	1.01	0.40
EPS Growth	25.76%	-0.69%	149.87%	-
Free Cash Flow	-462.13	460.13	-42.48	602.51
Free Cash Flow Per Share	-0.56	0.58	-0.10	1.44
Operating Margin	39.56%	32.18%	30.76%	18.29%
Profit Margin	26.71%	23.64%	18.41%	10.22%
Free Cash Flow Margin	-11.89%	13.75%	-1.85%	36.45%
Effective Tax Rate	21.71%	23.69%	26.75%	29.85%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q