CSU Digital (CSUD3) investor relations material

Business model and positioning

• Full-service independent infratech spanning card issuance and processing, payments, accounts, loyalty and digital experience.

• B2B2C white-label and API model lets banks, fintechs and retailers launch financial products under their own brands.

• CSU Pays and CSU DX combine payments, digital experience and hyperautomation; proprietary technology and AI underpin the platform and expansion avenues.

• More than 90% of revenue contracted for the next 3 years; average contract tenure exceeds 13 years.

Growth and operating performance

• 2Q26 LTM net revenue R$661.5m and gross margin 42.2%; net income R$98m.

• CSU Pays 2Q26 net revenue grew 6% YoY; processed transactions increased 19% YoY and activation ratio was 61%.

• CSU DX 2Q26 net revenue rose 28% YoY and gross profit rose 31%; managed interactions reached 5.2m, up 39% vs. 2Q25.

• Consolidated 2Q26 net revenue increased 14% YoY and gross profit increased 21%; excluding non-recurring effects, gross profit was R$73.8m at a 41.9% margin.

Financial profile and capital allocation

• 2Q26 LTM ROE was 20% and net debt/EBITDA was 0.4x; dividend yield was 15%.

• Operating cash generation was R$132.6m for 2Q26 LTM; cash position was R$72.1m at 2Q26.

• More than R$370m in dividends paid since inception; leverage remained near zero across the long-term record.