Agi Inc. Earnings Call Transcripts
Fiscal Year 2026
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Q2 2026 marked a strong inflection point with 36% YoY customer growth, 21% YoY loan growth, and a 26% YoY revenue increase. Agi+ launched with rapid uptake, expected to drive recurring revenues. Upfront costs from growth weighed on pre-tax profit, but management expects sequential income recovery.
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Solid Q1 2026 performance with 24% revenue growth, 53% increase in active clients, and improved efficiency. Credit portfolio expanded 30% year-over-year, while regulatory changes and Desenrola program are expected to support long-term growth and portfolio quality.
Fiscal Year 2025
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Delivered robust revenue and net income growth in 2025, expanding market share in payroll credit and scaling customer base by 73%. Efficiency gains and AI investments drove profitability, while temporary INSS suspensions were resolved and origination levels normalized.