Pagbank (PAGS) investor relations material

Company overview and strategic positioning

• Operates a fully integrated digital banking and payments platform, serving 34 million clients and present in all Brazilian cities.

• Recognized as a top 20 most valuable brand in Brazil and awarded for customer experience excellence.

• Strategic focus on innovation, financial inclusion, and democratizing access to financial services.

• Maintains a consistent track record of shareholder value creation, with EPS up 2.7x since 2018.

• Strong corporate governance with 33% female board participation and 50% board independence.

Business model and offerings

• Provides a comprehensive suite of banking, payments, credit, insurance, and investment products for individuals and businesses.

• Offers instant settlement for any payment method directly into digital accounts.

• Credit portfolio includes payroll loans, working capital, credit cards, overdraft, and receivables prepayment.

• Merchant ecosystem features sales tracking, inventory management, loyalty programs, and online store solutions.

• International operations enable cross-border payments and payouts in 17 countries.

Financial and operating highlights

• Total payment volume reached R$531 billion in 2025, with total assets of R$74.4 billion and funding of R$44.7 billion.

• Net revenue ex-ITC grew 16% YoY to R$13.4 billion in 2025; net income (non-GAAP) was R$2.4 billion (+4% YoY).

• Q4 2025 TPV was R$142 billion (+10% QoQ); expanded credit portfolio at R$50 billion (+3% YoY).

• ROAE reached 18.4% in Q4 2025, with a solid capital structure and Basel Index at 28.4%.

• Returned R$2.1 billion to shareholders in 2025 via dividends and buybacks, with a 15% total yield.