Pagbank (NYSE:PAGS) Earnings Call Presentation

Strategic Positioning & Business Overview - PagSeguro aims to transform and democratize access to financial services and payment solutions in Brazil [16] - PagSeguro's platform has led to Deposits/Funding of R$ 43 billion in Q2 2025 [25] - The company focuses on unlocking value through an integrated financial ecosystem encompassing payments and banking [29] Market and Growth Opportunities - PagBank has a 15.6% market share in active merchants, equating to 6.3 million [43] - PagBank has a 10.2% market share in active banking clients, totaling 17.3 million [43] - PagBank accounts for 9.4% of PIX transactions, representing 6.0 billion transactions [43] - PagBank accounts for 1.4% of PIX volume, which is R$ 430 billion [43] - Brazil's payment sector is expected to grow by approximately 10% annually, driven by a 15% growth in PIX and 8% in card transactions [51] Capital Optimization & Long-Term Goals - PagSeguro plans to return over R$ 5.5 Billion to shareholders, with R$ 3.8 Billion expected between 2025 and 2026 [65] - The company targets a BIS (Bank for International Settlements) ratio between 18% and 22% [70, 73] - PagSeguro aims for a credit portfolio of R$ 25 Billion by December 2029 [80] - PagSeguro targets a gross profit CAGR (Compound Annual Growth Rate) of over 10% from 2025 to 2029 [80]