PagSeguro Digital Ltd (BSP:PAGS34)

Q4 2024 PagSeguro Digital Ltd Earnings Call Transcript

Feb 20, 2025 / 10:00 PM GMT

Release Date Price: R$9.57 (+2.13%)

Transcript

Key Points

Positve

PagSeguro Digital Ltd (PAGS) achieved a record high net income of BRL 2.3 billion, marking a 28% growth compared to 2023.
The company reported a 32% year-over-year growth in Total Payment Volume (TPV), reaching BRL 518 billion.
PagSeguro Digital Ltd (PAGS) successfully executed over 50% of its $200 million buyback program, enhancing shareholder value.
The banking segment showed impressive growth, with revenues increasing by 58% year-over-year, driven by interest income and service fees.
The company maintained a strong return on average equity of 15.2%, reflecting a 198 basis points increase over the previous year.

Negative

The company faced challenges due to higher interest rates, which impacted financial costs and required strategic repricing.
Despite the growth, there was a reduction in active merchants, primarily from the nanomerchant segment.
Transaction activities revenue decreased by 8% year-over-year, suggesting a lower take rate.
The cost of funding remains a concern, with efforts needed to further reduce it from the current 90% of CDI.
The macroeconomic environment, including high inflation and interest rates, presents ongoing challenges for PagSeguro Digital Ltd (PAGS).

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

PAGS.N - PagSeguro Digital Ltd
Q4 2024 PagSeguro Digital Ltd Earnings Call
Feb 20, 2025 / 10:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good evening. My name is Ouder, and I will be your conference operator today. Welcome to Peiguru Digital's earnings call for the 4th quarter of 2024. This slide presentation for today's webcast is available on PESiguru Digital's investor relations website at investors.pegbank.com. Please refer to the forward-looking statement and reconciliation disclosure in this presentation and in the company's earnings release appendix.

Finally, be advised that all participants will be in listen-only mode. After the presentation, to ask a live question, please use the reason button to join the queue.

Once you're announced, a request to activate your microphone will appear on your screen. Please ask all your questions at once.

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