CSU Digital (CSUD3) Investor presentation summary

Business profile and platform

• Brazil’s largest and most complete independent infratech, serving 40+ large corporate clients with 33 years of experience.

• LTM scale: 38M+ registered cards and accounts, 1.2B+ processed transactions, and R$445B+ in TPV.

• Modular, white-label and API-integrated solutions span digital payments, embedded finance, loyalty, customer experience, and AI and hyperautomation.

• Full-service card operations cover onboarding and KYC, credit validation, processing, fraud prevention, authorization, customer experience, collections, and reporting.

• Agnostic infrastructure integrates multiple networks, currencies, channels, and client systems, with data intelligence supporting workflow automation and analytics.

AI and growth initiatives

• HAS applies AI, machine learning, RPA, and workflow automation across front-, middle-, and back-office processes; four highlighted workflows represent a stated R$6B opportunity.

• HAS contracts span financial services, telecom, ID tech, retail, and consumer goods; deployments cover quality monitoring, document analysis, onboarding, and customer relations.

• AI-enabled payments initiatives include personalized card activation, flexible limits, transaction authorization, fraud detection, and an AI advisor.

• Management cited potential process benefits of 40%+ lower costs, 80% less resolution time, and 95% fewer operational errors, alongside 10% higher approvals and 10% lower fraud.

• Growth priorities include cross-selling and upselling the broader portfolio, expanding into new geographies, and pursuing organic or inorganic opportunities.

Operating and financial performance

• In 1H25, consolidated net revenue reached R$305.4M, up 9% YoY; the presentation cited a 5% annualized growth rate over 1H21–1H25.

• 1H25 gross profit was R$127.4M, up 9% YoY, with a 41.7% gross margin; the presentation cited 13% annualized gross-profit growth since 1H21.

• In 1H25, processed transactions totaled 610.2M and TPV was R$234.6B; TPV increased 22% YoY.

• HAS signed 8 new contracts in the LTM period, with 6 clients implemented; digital interactions reached 71% in 2025.

• Continued digitalization and AI adoption were cited as efficiency drivers, while higher payroll-tax recharges and collective bargaining costs pressured operating expenses.