TOTVS (TOTS3) Investor day 2026 presentation summary

AI strategy and financial traction

• AI strategy builds on functional expertise and proprietary data to expand the addressable market, control the application environment, and develop agents and Task as a Service (TaaS).

• AI Enablers’ share of recurring management revenue rose from 15.8% in 3Q24 to 19.4% in 2Q26; their share of ARR net additions increased from 16.2% to 28%.

• Gross ARR Addition grew 40% from 3Q24 to 2Q26, excluding Linx.

• Adjusted EBITDA rose from R$348 million in 3Q24 to R$487 million in 2Q26; margin expanded from 22.8% to 25.4%, up 260 bps, with 40% nominal EBITDA growth.

New products and monetization

• TaaS charges a fixed monthly fee that includes T-Coin credits; APIs are priced by consumed capacity, agents by completed tasks, and usage above the allowance is billed separately.

• IaaS extends T-Cloud to non-TOTVS workloads and is positioned as a potential AI consumption platform for SMBs (AIaaS).

• Intera 360 bundles Intera Standard, Financeiro, RH and Marketing Contínuo; consumable items are billed separately from the monthly fee.

• LYNN’s AI foundation supports multi-model and multi-provider offerings, with governance, privacy, security, usage controls and an agent builder.

• CORTEN introduces a Management Operating System category linking applications, the operating environment and tasks.

Customer growth and portfolio expansion

• Average portfolio usage increased from 3.7 offers per client in 2023 to 4.3 in 2026, up 16%; expansion opportunities include cross-selling into the Linx retail base.

• Marketing Contínuo connects marketing, sales and service around shared customer context, using AI to identify behavior signals and link interactions to revenue opportunities.

• Agent Builder by LYNN offers a native, cross-platform no-code interface; the launch materials cite development up to 12x faster than traditional development and position it as a T-Coin consumption driver.

• The 2026 marketing model integrates RD Vendas, RD Marketing and RD Atendimento with LYNN and AI agents, extending beyond the 2013-era inbound marketing offer.