PagSeguro Digital(PAGS) - 2022 Q3 - Earnings Call Presentation

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]