Porto Seguro (PSSA3) Investor presentation summary

Financial performance and growth

• Total revenues projected to reach R$41B in 2025, with a CAGR of 19% from 2021 to 2025.

• Net profit expected to grow at a CAGR of 22%, reaching R$3.4B in 2025 and consensus of R$3.6–3.7B in 2026.

• ROAE projected to increase by 6 percentage points, reaching 23–23.5% in 2026.

• Diversification of results with increased contributions from Bank and Health segments.

Digital transformation and customer experience

• 71% of customer interactions and 48% of broker interactions to be fully digital by December 2025.

• Over 434 million digital interactions and 37 million human attendances expected in 2025.

• App ratings above 4.7 on major platforms, with 75% end-to-end resolution on the client portal.

• Digital sales to represent 3.3% of revenue in 2025, with 84% of digital sales as cross-sell to existing clients.

ESG and sustainability commitments

• 99% achievement in human capital, 175% in climate strategy, and 105% in sustainable business targets for 2025.

• Pioneering insured emissions calculation in Brazil and strong value chain engagement.

• Launch of the Regenera sustainability strategy and participation in COP 30.