Agi第二季活躍客戶增36% 推訂閱產品Agi+ 管理層稱見業務拐點

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Agi Inc. Reports Second Quarter 2026 Results

 

 

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.

 

 

Conference Earnings Call Details

Agi will hold a Conference Earnings call today at 5:00pm
ET (6:00pm BRT). The conference call can be accessed live over the Zoom webinar (ID: 899 0235 6370 | Password: 847327). You can also
access the meeting over the phone by dialing +1 507 473 4847 or +1 564 217 2000 from the U.S. Callers from Brazil can dial +55 11 4680
6788. The call will also be webcast live at the following link and a replay will be available a few hours after the call concludes.
The live webcast and replay will be available on Agi’s investor relations website at https://investors.agiinc.com.

 

  

  

 

 

About Agi

 

Agi stands for a banking experience that welcomes and empowers
all Brazilians through a business model that is unique in Brazil. Designed to serve a customer base that represents the majority of the
Brazilian population, our model addresses needs that remain outside the priorities of traditional large banks and purely digital banks.
We believe we fill a gap in the market by serving, with quality and dignity, customers who are often overlooked.

 

Our hybrid model combines a fully digital bank that is light,
fast, and easy to use, complemented by physical branches that offer a welcoming, agile, and accessible in-person experience for all Brazilians.
We develop tailored solutions and provide a simple, inclusive customer journey for non-digital-native clients, creating a meaningful competitive
advantage. We believe this approach enables us to attract more customers, build long-lasting relationships, and strengthen our business.

 

 

Forward Looking Statements

 

This press release contains "forward-looking statements"
within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking
statements are made as of the date they were first issued and were based on current expectations, estimates, forecasts and projections
as well as the beliefs and assumptions of management. Words such as "expect," "anticipate," "should," "believe,"
"hope," "target," "project," "goals," "estimate," "potential," "predict,"
"may," "will," "might," "could," "intend," variations of these terms or the negative
of these terms and similar expressions are intended to identify these statements. Forward-looking statements are subject to a number of
risks and uncertainties, many of which involve factors or circumstances that are beyond Agi Inc’s control. Agi Inc’s actual
results could differ materially from those stated or implied in forward-looking statements due to several factors, including but not limited
to: competition, regulatory or tax developments, changes in its business, industry, or local or global economic and other developments.

 

 

Press Contact

Email: [email protected]
Website: investors.agiinc.com