São Paulo, Brazil, August 5, 2026 – Agi Inc. (NYSE: AGBK) (“Agi”), a technology-powered provider of specialized financial services in Brazil, today released its financial results for the second quarter ended June 30, 2026. The financial statements and earnings presentation are available on the Company’s Investor Relations website at investors.agiinc.com along with details of the earnings conference call to be held today at 5:00 p.m. Eastern Time (6:00 p.m. Brasilia time).
“Our second quarter results reflect significant progress towards our core strategic priorities, with a focus on multi-product relationships and expanding our market leadership as one of Brazil’s most efficient and trusted financial institutions,” said Marciano Testa, Founder, Chairman and CEO of Agi, Inc.
“We see clear evidence of an inflection point and are confident in our near-term trajectory, supported by new subscription products such as Agi+ that are already showing strong engagement.”
Second Quarter 2026 Highlights
Business Highlights:
- Customer Growth: Active customer base grew 36% year-over-year to 7.6 million in 2Q26.
- Market Share Expansion: Increased INSS payroll credit market share to 9.6% in 2Q26, a gain of 160 basis points year-over-year.
- Agi+: Achieved over 250 thousand active subscriptions in the first 45 days, with 67% cross-sell penetration across new credit originations and 99% of sales agents selling at least one subscription. With an expected contribution margin of around 80%, we believe Agi+ is positioned to become a revenue contributor.
Financial Highlights:
- Revenue Growth: Total Revenues reached R$3.2 billion in 2Q26, an increase 26% year-over-year.
- Profitability: Net Income of R$200.3 million in 2Q26, growing 7% quarter-over-quarter, with Return on Equity (LTM) of 21.6%.
- Credit Portfolio Expansion: Total loan portfolio grew 21% to R$37.1 billion in 2Q26.
- Strong Capital Position: Capital Adequacy Ratio was 18.7% at the end of 2Q26, an increase of 370 basis points year-over-year.
