Pagbank (PAGS) investor relations material

Company overview and strategic positioning

• Operates a fully integrated digital banking and payments platform, serving 34.1 million clients and present in all Brazilian cities.

• Recognized among the world's top fintechs and as a top 20 most valuable brand in Brazil.

• Focuses on democratizing access to financial services and payment solutions, targeting individuals, micro, small, and medium businesses.

• Strategic goals include expanding credit offerings, increasing profitability, and maximizing shareholder returns.

• Emphasizes innovation, financial discipline, and a customer-centric approach, with high barriers to replication and instant settlement capabilities.

Business model and offerings

• Provides a comprehensive suite: digital banking, payments, credit, insurance, investments, and software for merchants.

• Credit products include payroll loans, working capital, receivables prepayment, and overdraft, tailored for both individuals and businesses.

• Investment platform offers zero-fee products, daily liquidity, and a range of fixed and variable income options.

• Insurance products cover life, health, home, business, and transaction-specific risks, distributed via the app.

• Proprietary ERP and reconciliation software support merchant operations and financial management.

Financial and operating highlights

• Total assets reached R$75.7 billion, with total payment volume (TPV) of R$534 billion and an expanded credit portfolio of R$52.4 billion as of 2Q26.

• Net revenue ex-ITC for 2Q26 was R$3.4 billion (+2% YoY), net income (non-GAAP) R$576 million (+2% YoY), and diluted EPS R$2.06 (+10% YoY).

• Gross profit for 2Q26 was R$1.89 billion, with ROAE at 15.6%.

• Total deposits grew to R$43 billion (+15% YoY), and total funding reached R$47.2 billion.

• Maintains a balanced credit portfolio with NPL90 below the market average.