PagSeguro Digital Ltd (BSP:PAGS34)

Q2 2025 PagSeguro Digital Ltd Earnings Call Transcript

Aug 13, 2025 / 09:00 PM GMT

Release Date Price: R$10.2 (+4.72%)

Transcript

Key Points

Positve

PagSeguro Digital Ltd (PAGS) reported a 4% year-over-year growth in Total Payment Volume (TPV), reaching 130 billion reais.
The company's net revenues increased by 11% year over year, reaching BRL5.1 billion, with an impressive 18% growth when excluding interchange fees.
Non-GAAP net income grew by 4% compared to Q2 2024, with a diluted EPS on a GAAP basis increasing by 14% year over year.
PagSeguro Digital Ltd (PAGS) returned 1.1 billion in excess capital to shareholders year-to-date, including 700 million reais in share repurchases and over 400 million as dividends.
The banking segment showed exceptional performance, with gross profit growing 97% year over year, now accounting for over 26% of total gross profit.

Negative

The company faced a challenging macroeconomic environment with signs of broad-based economic cooling in Brazil, affecting consumer confidence and discretionary spending.
There was a contraction in credit origination in the market due to increased risk aversion and more selective lending standards.
Despite the growth, the TPV was flattish quarter-on-quarter, indicating potential market share losses.
The MSMB segment experienced a 2% drop in TPV quarter-on-quarter, attributed to macroeconomic challenges and repricing effects.
Financial costs rose by 48% primarily due to higher interest rates, impacting the company's profitability.

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

PAGS.N - PagSeguro Digital Ltd
Q2 2025 PagSeguro Digital Ltd Earnings Call
Aug 13, 2025 / 09:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good evening. My name is Ogier, and I'll be your conference operator today.

Welcome to PEi Guru Digital's earnings call for the 2nd quarter of 2025.

This slide presentation for today's webcast is available on PAiguru Digital 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 listing only mode.

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