Q3 2025 Bemobi Mobile Tech SA Earnings Call (Portuguese) Transcript
Key Points
- Bemobi Mobile Tech SA (BSP:BMOB3) reported a 40% year-on-year growth in revenue, indicating strong business performance.
- The company successfully launched its Smart Checkout platform, which is already being used by four anchor clients, with plans to expand to all payment clients by mid-2026.
- Bemobi Mobile Tech SA expanded its geographic presence by launching services in England and Spain, and added 6 large-scale and 17 medium-sized enterprise clients.
- The company is focusing on vertical payments and has made significant progress in digitalizing payments for major clients like Vero and Hapvida.
- The company's gross income grew above revenue, driven by a favorable mix of payment and SaaS services, resulting in a gross margin expansion of 3.6 percentage points.
- The company faced headwinds due to changes in the exchange rate, which impacted revenue growth, reducing it from a potential 23% to 22%.
- There was a small reduction in the number of transactions in the microfinance segment, although revenue per transaction increased.
- Operational expenses grew slightly above expectations due to investments in a more senior team and IT infrastructure.
- The company is experiencing a decrease in the relative share of subscription services, despite healthy growth, as payments and SaaS gain ground.
- Bemobi Mobile Tech SA's cash balance decreased by BRL 17 million in the quarter, primarily due to working capital usage for payment operations and interest on equity payments.
Good morning, everyone. My name is Bruno Giardino, and I'm the new IR Director or IR Officer at the company. We're together again for another earnings release presentation from Bemobi. We have Mr. Pedro Ripper, our CEO Mr. Andre Veloso, our CFO and Joao Stricker, our CFO, with us. We also have Bruno Marques from the IR Relations team. As usual, this presentation is being recorded. (Operator Instructions). Now let's switch to English.
I would like to highlight that after the presentation, we will hold a Q&A session. And now I switch back to Portuguese. (Operator Instructions)
Before moving forward, as usual, let me read an excerpt for you. We'd like to clarify that any forward-looking statements that may be made during the earnings release presentation regarding our expectations, forecasts, operational and financial targets are based on our assumptions and beliefs as well as on information that is currently available to us. It entails risk, uncertainty and variation because it relies on events that may or may not happen in the
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