CSU Digital (CSUD3) Investor presentation summary

Business model and scale

• Positioned as Brazil’s largest independent infratech, providing technology and operational support for financial services through a B2B2C model and white-label or API-based platforms.

• 32 years of experience; 40+ large-corporation clients, 36.9M+ registered cards and accounts, 1.1B+ processed transactions and R$368B+ TPV, all LTM.

• Serves clients across banking, financial services, retail, services and consumption, including Banrisul, Sicredi, iFood, Claro and Natura & Co.

Solutions and technology

• Portfolio spans digital payments, loyalty and incentives, embedded finance, customer experience, and hyperautomation and AI for business processes.

• Modular, agnostic architecture supports multiple networks, currencies, channels and products; integrations use APIs or message queues across cloud and mainframe systems.

• R$167M+ invested in technology over the last 3 years, alongside 500K+ development hours; platforms emphasize security, scalability, data intelligence and fraud prevention.

• Full-service processing extends beyond transactions to onboarding, credit validation, fraud prevention, customer experience, collections, accounting and legal reporting.

Financial and operating performance

• Consolidated revenue was R$141.8M in 2Q24, up 10% YoY from R$129.4M; digital payments represented 65% of 1H24 revenue mix, up 1.0 p.p. from 1H23.

• 1H24 processed transactions reached 587.5M, versus 500.2M in 1H23; billed units were 21.4M, versus 19.3M.

• 1H24 payment volume was R$192.6B, up 28% YoY; digital revenues grew at a 14% CAGR since 1H20 and were up 11% versus 2Q23.

• Customer Experience managed 3.2M+ interactions in 2Q24, with 74% of interactions digitalized in 2024; hyperautomation and AI products had secured the first two clients.

• Average EBITDA-to-cash conversion was 84%; the presentation cited cash generation, technology investment and a 50% payout in each of the last three years.