CSU Digital (CSUD3) Investor presentation summary

Business model and positioning

• Positioned as Brazil’s largest and most complete independent infratech, with full-service, modular and scalable financial technology solutions.

• White-label platforms let clients retain their brands and choose full solutions or modular API integrations in a B2B2C model.

• Technical and regulatory support includes PCI, LGPD and BACEN compliance; AI and hyperautomation target process efficiency and lower costs.

• End-to-end card operations span onboarding and KYC, credit validation, processing, fraud prevention, customer experience, reporting and collections.

1Q26 financial performance

• Net revenue reached R$167.3m, up 11.0% YoY; gross profit was R$70.1m, up 11.2%, with a 41.9% margin.

• EBITDA was R$42.7m, down 9.2% YoY, with a 25.5% margin (-5.7 p.p.); net income was R$20.1m, down 17.6%, with a 12.0% margin (-4.2 p.p.).

• Operating cash generation reached a record R$50.1m, up 125.9% YoY; 12M EBITDA conversion was 94%.

• ROIC was 22% and ROE 21%; historical net revenue CAGR for 2021-26 was 9% p.a.

Business verticals

• CSUPays net revenue was R$97.5m, up 3.3% YoY; TPV reached R$121.2bn, up 12.7%, and transactions totaled 378.6m, up 23.0%.

• CSUPays also reported a 63% activation rate in 1Q26, with payment cards, multi-account wallets, transfers, Pix, credit marketplace and loyalty offerings.

• CSUDX net revenue reached R$69.8m, up 23.9% YoY; managed interactions totaled 4.4m, up 17.7%.

• Digital interactions reached 76% in 1Q26, up 55 p.p. vs. 2019; hyperautomation and AI support process management and service delivery.