Bemobi Mobile Tech (BMOB3) Q3 2026 earnings summary

Executive summary

• 3Q26 net revenue rose 31% YoY to R$245.3m, or 15% organically; the quarter marked the tenth consecutive quarter of double-digit annual revenue growth.

• Payments and SaaS reached 70.4% of revenue, while adjusted EBITDA grew 38% and adjusted EBITDA less capex grew 47% YoY.

Financial highlights

• 3Q26 adjusted gross profit rose 21% YoY to R$167.1m; adjusted gross margin fell to 68.1% from 73.8%, mainly reflecting Paytime’s lower profitability and different cost structure.

• Adjusted operating expenses increased 6% YoY to R$80.3m; organic growth was 1%, reflecting cost dilution and lower doubtful-account provisions.

• Adjusted net income grew 20% to R$51.0m; reported net income was R$42.8m, up 4% YoY.

• 9M26 adjusted revenue reached R$694.6m (+31% YoY), adjusted EBITDA R$240.9m (+35%), and adjusted net income R$133.6m (+24%).

Outlook and guidance

• Management sees further growth potential in current sectors and plans to explore additional markets where its payment solutions can improve clients’ competitiveness.

• The R$319m ending cash position supports complementary M&A opportunities and the stated intention to distribute 100% of 2026 net income.

• Paytime profitability has potential to improve through scale gains; management expects payments and SaaS to continue growing as a share of revenue.