Porto Seguro (PSSA3) Investor presentation summary

Historical milestones and evolution

• Founded in 1945, expanded into life, pension, health, asset management, and financing from 1992-2002.

• IPO in 2004, major partnerships and rebranding in 2022-2023, and inclusion in the IBOV Index in 2025.

• Launched innovative services such as startup accelerator, electric fleet, and 15-minute project.

Financial performance and growth

• 2025 revenue reached R$41.1B (+11% YoY), net income R$3.4B (+28% YoY), and ROAE at 22.7%.

• 10-year revenue CAGR of 10.1% and net income CAGR of 13%.

• Diversified income: banking, services, and healthcare now 49% of total income.

Business verticals and market position

• Four main verticals: Porto Seguro (insurance), Porto Saúde (health), Porto Bank (financial), Porto Serviço (services).

• Insurance remains core, but health, banking, and services show strong growth and profitability (all ROAE >20%).

• Market leader in auto, homeowner, and commercial insurance segments.