Pagseguro Digital Ltd. · NYSE:PAGS
Pagseguro Digital — Q2 2026 Earnings Presentation
23 slides from Pagseguro Digital's earnings presentation, Aug 11, 2026
Slide 1: Q2 2026 Earnings Presentation
Q2 2026 Earnings Presentation August 11, 2026 PagSeguro Digital Ltd. (NYSE: PAGS) 1
Slide 2: Forward-looking statements and Non-GAAP financial measures
Forward-looking statements and Non-GAAP financial measures Forward-looking statements This presentation, prepared by PagSeguro Digital Ltd (“we” or the “Company”), is solely for informational purposes. The information in this presentation does not constitute or form part of, and should not be constr
Slide 3: Q2 2026 Highlights
Q2 2026 Highlights 3
Slide 4: Business expansion in all segments, EPS +10% y/y
2Q26 Highlights Business expansion in all segments, EPS +10% y/y TPV (Total Payments Volume) | R$ Expanded Credit Portfolio¹ | R$ Total Deposits | R$ 133B 52B 43B Operational Highlights +3% YoY +9% YoY +15% YoY Total Loans +31% YoY Net Revenue Ex-ITC | R$ Net Income | R$ | Non-GAAP 2 Diluted EPS | R
Slide 5: Consistent value creation: R$2.0B returned LTM, ~13% total yield
Track Record Consistent value creation: R$2.0B returned LTM, ~13% total yield 7.99¹ +15.8% CAGR 6.62 (2018-2025) Covid-19 Pandemic 5.10 4.57 4.15 3.92 3.51 2.86 3 2018 2019 2020 2021 2022 2023 2024 2025 2026 Largest Brazilian Banking license PIX Launch of FGTS Launch of Focus on MSMB Strengthening O
Slide 6: Business Units
Business Units 6
Slide 7: Strong Ecosystem, Broader Monetization, Resilient Profitability
2Q26 Highlights Strong Ecosystem, Broader Monetization, Resilient Profitability 2Q26 Strategic Highlights ▪ Ecosystem evolution with broader monetization: TPV reacceleration (+3% y/y), higher cash-in (+23%) and penetration across all products, deposits growth (+15%) and credit portfolio expansion (+
Slide 8: TAM: significant opportunities to drive future growth
Business Overview TAM: significant opportunities to drive future growth PAGBANK MARKET SHARE 6.2 Includes self-employed individuals in the informal economy MEI - Individual-like Merchants 19M 40.3 ACTIVE MERCHANTS 15.4% MILLION ME - Micro Businesses 16.8M 3.9M MILLION¹ EPP - Small Businesses 0.6M AC
Slide 9: Ecosystem Growth & Product Innovation
2Q26 Highlights Ecosystem Growth & Product Innovation Convenience and simplicity driving engagement through new solutions Minizinha Voz PIX Finance IOF Free (tax cashback) Zero-fee Investments First POS in Brazil featuring an AI- Integrated PIX installment 100% IOF cashback in all No distribution, o
Slide 10: R$ 97B cash-in +23% y/y; Higher engagement and more cross-selling
Banking R$ 97B cash-in +23% y/y; Higher engagement and more cross-selling Cash-in¹ Cash-in per Active Banking Client Highlights R$ Billion R$ Thousand ▪ Cash-In Banking (non-acquiring) +23% +27% Sustained growth in inflows, reflecting the strength of our 97 5.7 banking platform and PIX’s expanded ro
Slide 11: Credit portfolio +31% y/y, NPL well below industry levels
Credit Credit portfolio +31% y/y, NPL well below industry levels Credit Portfolio Credit Portfolio Mix R$ Billion % Credit Portfolio 5.0 5.1 3Q25 Q2-26 Q2-25 YoY % Q1-26 QoQ % 3.9 Payroll Loans 3.4 2.9 +18% 3.5 -4% 71% 69% Credit Card 1.1 0.8 +35% 1.0 +11% 74% Working Capital 0.6 0.2 +204% 0.5 +27%
Slide 12: Deposits with robust expansion, +15% y/y, and lower cost of funding
Funding Deposits with robust expansion, +15% y/y, and lower cost of funding Total Funding Highlights R$ Billion +10% ▪ Total Deposits (demand + time deposits) strong growth with resilient 46.8 47.2 42.9 5.2 4.4 performance despite macro scenario and higher cost efficiency, as 5.7 +15% an important i
Slide 13: Financial Results
ee | ™ Financial Results 13
Slide 14: Recurring growth despite SELIC headwinds and macro pressures
Revenue and Gross Profit Recurring growth despite SELIC headwinds and macro pressures Total Revenue and Income¹ Gross Profit R$ Million R$ Million Banking Banking Payments Payments +2% +3% 3.3 3.3 3.4 1.9 2.0 1.9 +10% Q2-25 Q1-26 Q2-26 Q2-25 Q1-26 Q2-26 1. Total Revenue and Income: Net of Transactio
Slide 15: Gross Profit expansion combined to cost control in 1H26
P&L Gross Profit expansion combined to cost control in 1H26 Total Expenses Highlights R$ Million 2Q-26 Q4-25 2Q-25 Q1-25 YoY % % YoY 1Q-26 Q4-25 QoQ % QoQ% 6M26 6M25 YoY % Total Revenue and Income (ex-ITC) 3,380 3,322 2% 3,335 1% 6,715 6,457 4% 1 Financial Costs, down quarter-over-quarter, primarily
Slide 16: ROAE of 15.6% in 2Q26, +30 bps y/y and solid capital structure
Profitability Analysis ROAE of 15.6% in 2Q26, +30 bps y/y and solid capital structure Net Income (Non-GAAP) EPS diluted (Non-GAAP) R$ Million ROAE (non-GAAP, annualized) +2% +10% +30 bps 2.03 2.06 15.8 15.6 565 575 576 15.3 1.88 Q2-25 Q1-26 Q2-26 Q2-25 Q1-26 Q2-26 Q2-25 Q1-26 Q2-26 1. ROAE (Return o
Slide 17: Disciplined capital allocation: solid base, R$2.0B returned LTM
Capital Structure Disciplined capital allocation: solid base, R$2.0B returned LTM Highlights Buybacks & Dividends Basel Index² % Amount Repurchased (R$ Billion) Dividend Payout¹ 1. 1 Share repurchase program: US$ 200M completed; over R$370M repurchased in 1H26 Dividends 2.1 2.0 -7.1p.p 2. 2 1st tran
Slide 18: Business execution mitigates challenging macro scenario
FY2026 Guidance Business execution mitigates challenging macro scenario 6M26A 2026 Guidance Credit Portfolio 31% 25% 35% % y/y Gross Profit 2% 6% 9% % y/y EPS (Non-GAAP, diluted)1 11% 9% % y/y 13% CAPEX 1.1B 1.8B 2.0B R$ 2029 Goals: ▪ R$ 25bn Credit Portfolio | > 10% Gross Profit CAGR | > 16% EPS CA
Slide 19: Welcoming New Leadership
Management Welcoming New Leadership Enrique Fragata | COO 19
Slide 20: Q&A
Q&A Earnings Presentation 20
Slide 21: Appendix
Appendix Q2 2026 Earnings Presentation August 11, 2026 PagSeguro Digital Ltd. (NYSE: PAGS) 21
Slide 22: Net Income Reconciliation and EPS
APPENDIX Net Income Reconciliation and EPS R$ Million Q2-25 Q3-25 Q4-25 Q1-26 Q2-26 Net Income | GAAP 537 554 502 546 549 Non-GAAP Items 28 17 34 30 27 Long-term Incentive Plan 21 3 31 24 21 Amortization of Fair Value Adjustment 5 5 3 2 2 Amortization of Capitalized Expenses of Platforms Development
Slide 23: Investor Relations Media Press
YouTube Logo PNG, Transparent YouTube Logo Icon Free DOWNLOAD Linkedin - ícones de mídia social grátis Investor Relations Website: https://investors.pagbank.com/ E-mail: ir@pagbank.com Media Press Website: https://xcom.net.br/ E-mail: pagbank@xcombyatrevia.com