CSU Digital (CSUD3) Investor presentation summary

Business model and platform

• Independent Brazilian infratech with 34 years of experience, 40+ large corporate clients, 37M+ registered cards and accounts, 1.2B+ transactions processed and R$486B+ TPV.

• B2B2C, white-label and modular API model lets clients offer financial products under their own brands; infrastructure supports PCI, LGPD and BACEN compliance.

• Integrated offering spans digital payments, embedded finance, loyalty and incentives, customer experience, and AI-led hyperautomation.

• Full-service credit card workflow covers onboarding and KYC, credit validation, transaction processing, fraud prevention, authorization, servicing, accounting and collections.

Commercial traction and expansion

• 20 contracts signed in 2025, including 4 new clients and 16 scope or product extensions; average contract length was 13 years, with renewed terms of 3–5 years.

• 10 HAS contracts signed since launch, with 9 implemented by end-2025; one additional contract signed in 4Q25 was implemented in 1Q26.

• HAS product roadmap progresses from RPA and structured automation to machine learning, generative AI workflows and autonomous AI agents.

• International expansion advanced with the first production-environment transaction in December 2025, alongside technology, compliance and commercial team build-out.

2025 operating and financial performance

• Net revenue reached a record R$623.5M, +9.8% vs. 2024; gross profit was R$257.9M, +7.7%, with 41.4% gross margin.

• Net income was R$106.1M, +16.3% vs. 2024, at a record 17.0% margin; ROE/ROIC were 22%/21%.

• CSU DX revenue rose 18.2% in 2025 and 21.9% in 4Q25 YoY; gross profit increased 32.6% to R$47.8M, with 20.5% margin.

• CSU Pays processed 1,213.5M transactions and R$486.5B TPV in 2025; registered cards and accounts totaled 37.5M at 4Q25.

• EBITDA and cash conversion was 76%; R$97.1M of earnings were distributed in 2025, including a R$50M extraordinary dividend.