AGI Inc · Q1 2026 earnings

Briefing

Agi Q1 2026: R$3.0B revenue (+24% YoY) as active customers reach 7.1M

Agi Inc., the Brazil-focused technology-powered financial services company, reported first-quarter 2026 total revenues of R$3.0 billion, up 24% year over year, with recurring net income of R$186.5 million (+15.3% quarter over quarter) and return on equity (LTM) of 26.1%. The active customer base grew 54% YoY to 7.1 million while INSS payroll credit market share rose 210 bps to 9.0%. Total loan portfolio expanded 30% to R$35.5 billion and the recurring operating efficiency ratio improved 250 bps QoQ to 43.2%. Capital adequacy ratio increased 400 bps YoY to 19.3%. CEO Marciano Testa highlighted the hybrid digital-plus-branch model and new Business Units structure to support scale. Detailed financial statements and an earnings presentation were posted to investors.agiinc.com; the 6-K press release is summary-level and investors should review the full materials for segment detail.

• Total revenues R$3.0B (+24% YoY); recurring net income R$186.5M (+15.3% QoQ).
• Active customers 7.1M (+54% YoY); INSS payroll credit market share 9.0%.
• Loan portfolio R$35.5B (+30%); capital adequacy ratio 19.3%.
• Recurring operating efficiency ratio 43.2% (250 bps QoQ improvement).
• ROE LTM 26.1%; Business Units operating model rolled out for accountability.

Headline financials

Revenue & EPS history