AGI Inc Income Statement

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

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Interest and Dividend Income	8,700	6,665	4,709	3,083
Total Interest Expense	4,379	2,804	1,908	1,085
Net Interest Income	4,321	3,861	2,801	1,998
Commissions and Fees	910.67	526.93	197.27	134.67
Gain (Loss) on Sale of Investments	261.98	92.11	81.25	104.15
Revenue Before Loan Losses	5,494	4,480	3,080	2,237
Provision for Loan Losses	1,506	1,134	788.05	584.03
Revenue	3,988	3,346	2,292	1,653
Revenue Growth (YoY)	-	46.01%	38.67%	-
Salaries & Employee Benefits	485.81	448.87	438.75	412.49
Cost of Services Provided	997.24	992.14	737.24	598.65
Other Operating Expenses	518.06	429.97	276.05	219.42
Total Operating Expenses	2,192	2,036	1,587	1,350
Operating Income	1,795	1,311	704.98	302.32
EBT Excluding Unusual Items	1,790	1,286	720.08	321.24
Gain (Loss) on Sale of Investments	-11.72	-11.72	-	-
Pretax Income	1,341	1,041	581.64	244.24
Income Tax Expense	312.6	246.66	155.58	72.92
Earnings From Continuing Ops.	1,029	794.36	426.06	171.33
Earnings From Discontinued Ops.	-	-	-	1.35
Net Income to Company	1,029	794.36	426.06	172.68
Minority Interest in Earnings	-10.73	-3.34	-4.07	-3.79
Net Income	1,018	791.01	421.99	168.89
Net Income to Common	1,018	791.01	421.99	168.89
Net Income Growth	-	87.45%	149.87%	-
Shares Outstanding (Basic)	789	789	789	789
Shares Outstanding (Diluted)	789	789	789	789
EPS (Basic)	1.29	1.00	0.53	0.21
EPS (Diluted)	1.29	1.00	0.53	0.21
EPS Growth	-	87.45%	149.87%	-
Free Cash Flow	-303.54	460.13	-42.48	602.51
Free Cash Flow Per Share	-0.39	0.58	-0.05	0.76
Operating Margin	45.02%	39.16%	30.76%	18.29%
Profit Margin	25.53%	23.64%	18.41%	10.22%
Free Cash Flow Margin	-7.61%	13.75%	-1.85%	36.45%
Effective Tax Rate	23.30%	23.69%	26.75%	29.85%

Source: S&P Capital IQ. Financial Services template. Financial Sources.