Financial Data and Key Metrics Changes - Total revenue and income reached almost BRL4 billion, growing 22% year-over-year, slightly lower than the previous quarter due to a higher share of debit card transactions and the impact of the Soccer World Cup [26][30] - Non-GAAP net income reached BRL1.6 billion, while GAAP net income amounted to BRL1.5 billion, an increase of 29% compared to 2021, representing an earnings per share of BRL4.57, 30% higher than last year [29][60] - The company reported a net cash balance of BRL9.8 billion, increasing almost BRL1 billion year-over-year [67] Business Line Data and Key Metrics Changes - PagBank's total payment volume (TPV) increased 19x, with total deposits growing 10x, surpassing BRL20 billion [15] - In payments, PagSeguro's TPV reached BRL94 billion, with a gross profit of BRL1.3 billion, 14% higher than Q4 2021 [18][61] - PagBank's gross profit reached BRL131 million, 70% higher than Q4 2021, driven by a shift to secured credit products [18][62] Market Data and Key Metrics Changes - PagBank achieved a 10% market share of PIX transactions, with more than BRL200 billion in TPV [8] - The company reported a significant increase in account balances, with an annual percentage yield (APY) on total deposits reaching 96% of the Brazilian interbank rate (CDI) [9] Company Strategy and Development Direction - The company aims to grow profitably in payments and increase market share in key segments while fostering PagBank engagement to diversify revenues [39][68] - The strategic focus includes developing a two-sided ecosystem to provide a unique value proposition and executing disciplined capital management to improve earnings per share and cash flow generation [39][68] Management's Comments on Operating Environment and Future Outlook - Management acknowledged macroeconomic challenges such as interest rate increases and inflation but noted that profits grew 3x, with a significant improvement in operating and investing cash flow generation [5][6] - The company expects financial expenses to remain high in 2023 due to volume growth and stable interest rates, projecting an average rate of 13.75% per year [32][85] Other Important Information - The company has successfully implemented a payroll platform for small and mid-sized businesses, enhancing engagement and financial inclusion [20][110] - The management emphasized the importance of maintaining service levels and improving customer care, with a 49% decrease in contact rates over two years [22] Q&A Session Summary Question: How is the operating environment in Brazil for this year? - Management noted that while there could be a downtrend in the active merchant base, they are not concerned as they are losing clients with low transaction volumes, while TPV continues to grow [44][99] Question: What about the overall health of the system and client base decline? - The decline is primarily in nano merchants, which contribute minimally to TPV, and the company is focusing on more profitable segments [73][99] Question: What is the outlook for PagBank revenues and the delta to volume? - The delta between TPV and revenue growth is due to a significant portion of TPV being non-monetized transactions, with revenues primarily driven by transactional activities [77][79] Question: What are the expectations for financial expenses in 2023? - Financial expenses are expected to be higher in 2023 due to volume growth and stable interest rates, with no automatic price decreases anticipated [85][104] Question: How does the payroll platform impact PagSeguro? - The payroll platform is expected to increase engagement and account balances, benefiting the overall ecosystem [110]

9 4 12:3 Ajustar limite Limite atual: R$ 15.000,00 Ø Disponivel: R$ 15.000,00 188 R$ 15.000 MISA Confirmar novo limite Corporate Presentation Dec-22 PagSeguro | PagBank PAGS Business Overview ABOUT US HIGHLIGHTS | --- | --- | --- | --- | |-------|----------------------------------------------------------------------------------------------------------------|------------------------|----------------------------| | | | | | | ▪ | 2 nd largest digital bank in Brazil: 26M clients | | | | ▪ | >R$ 1 trillion of fi ...

Financial Data and Key Metrics Changes - The company reported the highest EPS in its history for Q3 2022, achieving BRL1.16, a 20% increase compared to the same period in 2021 [10] - Total revenue and income reached BRL4.04 billion, a 45% increase year-over-year [14][29] - Net income on a non-GAAP basis reached BRL411 million, while GAAP net income reached BRL380 million, an 18% increase year-over-year [14][31] Business Line Data and Key Metrics Changes - PagSeguro's total revenue and income grew 49% year-over-year, reaching BRL3.7 billion, driven by successful repricing [18] - PagBank's total revenue grew 31% year-over-year, ending the quarter at BRL339 million [28] - PagBank deposits reached BRL19.4 billion, a 171% increase compared to the same period in 2021 [11][25] Market Data and Key Metrics Changes - PagSeguro's TPV reached BRL90.3 billion, growing 35% year-over-year, outpacing industry growth [10][12] - PagBank's TPV outpaced acquiring TPV for the first time, totaling BRL105 billion, with a 79% year-over-year growth [28] - The company gained 92 basis points in TPV market share compared to Q4 2021 [17] Company Strategy and Development Direction - The company focuses on balancing growth and profitability while enhancing its unique value proposition by merging banking and acquiring services [40] - The strategy includes being selective in merchant acquisition to improve quality and reduce subsidies [20] - The company aims to continue growing its deposits, cards TPV, and secured credit portfolio while increasing usage among its merchant base [40] Management's Comments on Operating Environment and Future Outlook - Management noted that the competitive environment has not intensified significantly, allowing for continued repricing of products if necessary [45][46] - The company anticipates potential impacts from macroeconomic factors, including the World Cup and consumer spending patterns, which may affect TPV growth in Q4 [49][50] - Management expects to maintain growth above industry averages, despite potential headwinds [62] Other Important Information - The company reported a CapEx to revenue ratio of 12.4%, down from 16.8% in 2021, indicating improved efficiency [35] - Financial expenses increased significantly due to rising interest rates, but the company is focused on managing costs effectively [33][34] Q&A Session Summary Question: Competitive environment and guidance for TPV growth - Management highlighted their strong profitability compared to peers and the ability to reprice products without losing clients [44][46] - They acknowledged uncertainty in TPV growth due to macroeconomic factors but confirmed expectations for growth [48][52] Question: Acquiring TPV performance - Management attributed lower than expected acquiring TPV to deflation and reduced credit offers from banks [57] - They emphasized that despite TPV challenges, revenue and net income metrics were strong [58] Question: Future earnings growth and market share - Management stated that they are focused on EPS growth rather than margin expansion, with consistent market share gains expected [96][97] - They noted that market share growth is a natural outcome of their business strategy rather than a primary goal [97] Question: Funding costs and tax rates - Management confirmed that funding costs for deposits are slightly below CDI and expect continued growth in deposits [86][90] - They provided insights into their effective tax rate, which is expected to remain between 10% to 15% in the near term [88][89]

Financial Highlights - PagSeguro achieved its highest EPS for 3Qs at R$1.16, a 20% year-over-year increase[13, 52] - PagSeguro's Total Payment Volume (TPV) reached R$90.3 billion, representing a 35% year-over-year growth, outpacing the payments industry[13, 16] - PagSeguro's Net Take Rate increased by 24 basis points compared to 1Q22[13, 24] - PagBank's Total Deposits amounted to R$19.4 billion, a significant 171% year-over-year increase[13, 17] - PagSeguro's Total Revenue and Income grew by 49% year-over-year[17, 24] - PagBank's TPV increased by 79% year-over-year[17, 49] Customer and Merchant Growth - PagBank added 1.1 million net new clients, bringing the total to approximately 26 million[13] - TPV per Merchant increased by 39% year-over-year, reaching R$4100[16, 34] Operational Efficiency - Capital Expenditure (CapEx) as a percentage of Revenue decreased by 230 basis points compared to 2Q22, reaching 12.4%[13, 67] - PagBank's active clients are increasingly using it as their primary bank, with cash-in increasing by R$3.9 billion from the previous quarter[39, 40] Credit Portfolio - PagBank's credit portfolio grew by 71% to R$2.7 billion[44]

PagSeguro Digital Ltd. (NYSE:PAGS) Q1 2022 Earnings Conference Call June 8, 2022 5:00 PM ET Company Participants Éric Oliveira - Investor Relations & ESG Director Ricardo Dutra - Co-Chief Executive Officer Alexandre Magnani - Co-Chief Executive Officer Artur Schunck - Chief Financial Officer Conference Call Participants Mario Pierry - Bank of America Bryan Keane - Deutsche Bank Pedro Leduc - Itaú BBA Jeff Cantwell - Wells Fargo Neha Agarwala - HSBC Kaio Prato - UBS Sheriq Sumar - Evercore ISI Tito Labarta - ...

Webcast Presentation 1Q22 June 8, 2022 PAGS LISTED NYSE FORWARD-LOOKING STATEMENTS Forward-Looking Statements; Non-GAAP Financial Measures Forward-Looking Statements This presentation, prepared by PagSeguro Digital Ltd ("we" or the "Company"), is solely for informational purposes. The information in this presentation does not constitute or form part of, and should not be construed as, an offer or invitation to subscribe for, underwrite or otherwise acquire, any securities of the Company or any subsidiary or ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 Yes ☐ No ☒ For the month of April 2022 Commission File Number: 001-38353 PagSeguro Digital Ltd. (Name of Registrant) Av. Brigadeiro Faria Lima, 1384, 4º andar, parte A São Paulo, SP, 01451-001, Brazil +55 11 3038 8127 (Address of Principal Executive Office) Indicate by check mark whether the registrant files or will file ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 for the fiscal year ended December 31, 2021 Commission File Number 1-38353 PAGSEGURO DIGITAL LTD. (Exact name of registrant as specified in its charter) The Cayman Islands (Jurisdiction of incorporation or organization) Av. Brigadeiro Faria Lima, 1384, 4º andar, parte A São Paulo, SP, 01451-001, Brazil (Address of principal executive offices) ...

PagSeguro Digital Ltd. (NYSE:PAGS) Q3 Earnings Conference Call November 11, 2021 5:00 PM ET Company Participants Ricardo Dutra – CEO Artur Schunck – CFO Alexandre Magnani – COO Eric Oliveira – IR Conference Call Participants Mario Pierry – Bank of America Tito Labarta – Goldman Sachs Bryan Keane – Deutsche Bank Jorge Kuri – Morgan Stanley Neha Agarwala – HSBC Kaio Prato – UBS Operator Good evening. My name is Greg, and I will be your conference operator for today. At this time, I would like to welcome every ...

( { maplians 1221 5478 1282 7788 飞 Bank 20070 VISA ® Vendas Edma es pares are MSA 2Q21 Results ( PagBank ( PagSeguro Disclaimer This presentation, prepared by PagSeguro Digital Ltd (the "Company"), is solely for informational purposes. The information in this presentation does not constitute or form part of, and should not be construed as, an offer or invitation to subscribe for, underwrite or otherwise acquire, any securities of the company or any subsidiary or affiliate of the company, nor should it or an ...