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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
AGI
AGI (AGBK) investor relations material
AGI has been private
AGI Registration Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Registration Filing summary14 Jan, 2026
Company overview and business model
Leading technology-powered financial services provider in Brazil, focused on underserved individuals, including social security beneficiaries and workers.
Operates a unique hybrid model combining digital platforms and 1,101 asset-light Smart Hubs for in-person service.
Offers a suite of secured lending, banking, credit, and insurance products tailored to less tech-savvy, lower-income clients.
Accredited by INSS to process social security and government benefit deposits, creating a high barrier to entry.
Emphasizes customer education, digital adoption, and high-touch onboarding, with 88% digital channel adoption within 30 days.
Financial performance and metrics
As of September 30, 2025: 6.4 million active clients, R$34.5bn credit portfolio, R$7.7bn revenue, R$831.7m net income.
2024–2025 revenue grew 50.3% YoY; net income up 39.3% YoY for 9M25; ROAE at 39.1% for 9M25.
86.2% of credit portfolio is secured, with a 2.6% NPL and 5.3% credit loss allowance ratio as of 9M25.
Customer acquisition cost (CAC) dropped to R$65 per customer in 9M25; LTV/CAC ratio >20x in 2024.
Efficiency ratio improved to 41.5% in 9M25 from 59.3% in 2022.
Use of proceeds and capital allocation
Net proceeds from the IPO will be used for general corporate purposes and potentially for acquisitions or investments in businesses, products, or technologies.
No current agreements or commitments for material acquisitions or investments.
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Next AGI earnings date
Q1 202629 Jan, 2026
AGI
Next AGI earnings date
Q1 202629 Jan, 2026
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