Slide 1: March 18, 2026
March 18, 2026
Slide 2: Disclaimer
Disclaimer Pp Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21 of the Securities Exchange based upon reasonable assumptions, they are subject to several risks and uncertainties
Slide 3: Net Income Adjusted Profit Before Income Taxes
Net Income Adjusted Profit Before Income Taxes
Slide 4: 4Q25 & 2025 Results Highlights
4Q25 & 2025 Results Highlights p” Solid results both in operational and financial metrics Total Accounts Consolidated TPV Wallet & Banking TPV In million RS billion RS billion Ca) Y 497.0 67.0 550.0 123.3 157.5 4Q24 4Q25 4Q24 4Q25 2024 2025 4Q24 4Q25 2024 2025 Quarterly Active Clients Total Cash-in
Slide 5: 4Q25 & 2025 Results Highlights
4Q25 & 2025 Results Highlights p” Solid results both in operational and financial metrics PicPay Card TPV Total Credit Portfolio RS billion (0%) RS billion ey +128% 1 30-2 | 244 17.6 12.4 n= mm LI 4Q24 425 2024 2025 Personal Loan Origination RS billion
Slide 6: 4Q25 & 2025 Results Highlights
4Q25 & 2025 Results Highlights p” Solid results both in operational and financial metrics Net eS ARPAC” Adjusted Cost to Serve®) RS million (485%) RS / active client RS / active client 10,278 Ee 5,570 i 0 62.9 9 aE gpa 18.4 20.4 17.3 19.1 En Ee 2024 2025 iQ@24- — 4Q25 2024 2025 4Q24 4Q25 2024 2025 G
Slide 7: Solid track record of scale, profitability, and diversification
Solid track record of scale, profitability, and diversification Total Revenues and Financial Income & Profit for the Period (RS MM) p* Quarterly Active Clients Adj. Net Income (R$ MM) 8.5% 937 68% 2% me 170 19.0% 1,786 244% 3,014 4Q23 —- Quarterly Annualized ROE 1) Float §§) Fees, commissions, and o
Slide 8: Affluent Consumers
Affluent Consumers 1.3% cashback 4.0% cashback 10 GB of free roaming data ame ~= Amazon Prime + Prime Video Telemedicine appointments Home Assistance Toll Tag Global Account Multi-currency balance (US Dollar+ Euro) Global debit card 4% annual yield 0% FX spread
Slide 9: Product Velocity - Small and Medium Business
Product Velocity - Small and Medium Business Easier onboarding Q4: 60K new business acounts/month Payment Links One click integration Consumer account <> SMB Account Tap on phone Working Capital Supply Chain Finance
Slide 10: End-to end
End-to end . Marketplace Food-delivery Travel Hub +300 Retailers Audiences & Ecosystem cay Batata are Cee IRSO.99 ow uta a. 2 i rea Departing rom Seo Poulo- SP Florianopolis - SC Outbound 05/06/2025 Return 05/19/2025 sartng tom 12x of RS BB CVC p* iGamin Lotter RS 35, MILHOES -Raffles
Slide 11: Open Platform Approach
10:04, e ‘= © Saldo em conta R$ 32.33752 10:06 e scar o mo © sraiceco Baxi vorcoss Pano epic= Fatura aberta R$ 134.967,79 > Fochs om 30 de more, rean70 © Prodiaadia Open Platform Approach Account Aggregator Cards Aggregator Investment Aggregator Total investido R$ 3.210869,66 san RB 696808. p*
Slide 12: Significant room to increase credit market share and share of wallet
Significant room to increase credit market share and share of wallet, p* boosted by private payroll loans, credit cards, and contextual offers are of Wallet from Credit Products — 4Q25 (%) Market Share — 4Q25 (%) Mi 4004 M4025 3.76% Potential of Credit Expansion within PicPay’s customer base 100% pe
Slide 13: Accelerated and Balanced Growth mainly on Payroll Loans and Mature Credit Cards
Accelerated and Balanced Growth mainly on Payroll Loans and Mature Credit Cards Cohorts. Shifting from FGTS to Private Payroll Loan as the Main Growth Engine Consumer Credit tA +05 +04 Portfolio Evolution 414 26% 2h Se RS Bn 8 10.9 6% 20% +R$ 4.3 Bn > + 24% QoQ FGTS Public Private Mature NewCards Un
Slide 14: 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
Slide 15: 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
Slide 16: Private Payroll Loan cohort metrics are trending strongly
Private Payroll Loan cohort metrics are trending strongly. We are confident in the product's fundamentals and committed to scaling it responsibly Cohorts 2Q25 Cohorts 4Q25 Origination SSS |> +40% qoq Interest Rate (p.m.) 45% 43% Avg Term ————S= SA higher FPD%” Low double digit High single digit Turn
Slide 17: Consolidated Financial Highlights
PicPay Consolidated Financial Highlights
Slide 18: Gains: Increasing Profitability Driven by Fast Revenue Growth and Scale
p* Gains Adj. Efficiency Ratio) & Adj. Quarterly Annualized ROE“ ©) Increasing Profitability Driven by Fast Revenue Growth and Scale Total Revenue and Financial Income & Adj. Operating Expenses) Evolution RS MM; % % +69% 61.5% Growth 60.2% 24.4% Growth 20.3% S —_— 49.0% 477% 15.5% 669 683 739 TKS we
Slide 19: Financial Margin Expansion with NIM Reaching 19.9%
Financial Margin Expansion with NIM Reaching 19.9% Net Interest Income (NII) & Net Margin from Credit products® Margin from Credit Products After Interest Income Margin (NIM)2) RS MM Losses rs mm RS MM & % 21.9% 20.3% 19.9% 49.5% 19.9% p* 4Q24 1825 2Q25 3@25 4@25 4Q24 1825 2Q25 3Q25 4Q25 4Q24 1825 2
Slide 20: Strong Credit Growth Increasingly Focused on Secured Products
Strong Credit Growth Increasingly Focused on Secured p" Products Total Credit Portfolio RS MM +128% 429% Portfolio growth driven by a, secured products 5,406 Private Payroll Loan Public Payroll Loan CVS) Secured 4 FGTS Prepayment Secured Cards Credit Card Kiba Unsecured= Personal Loan Buy Now Pay La
Slide 21: Evolution of Stage and Formation
Evolution of Stage 2 and 3 Formation Stage 2 Formation Stage 3 Formation 6.9% 6.8% 9 71% _— — cen 5.5% — — 43% ~ 3.7%-4.0% 2.9% 31% ge =a ~s 1925 2025 3Q25 4Q25 1025 2025 3Q25 4Q25 1026 * Stage 2 formation has been declining due to lower S2 formation in both secured and unsecured portfolios as well
Slide 22: Stage
Stage 1 Stage 3 Stage 2 + 3 Stage 2
Slide 23: Performance in line with Loss Absorption guidelines and Stable Cost of Credit
Performance in line with Loss Absorption guidelines and Stable p" Cost of Credit Loss Absorption Ratio Quarterly Cost of Risk? % h 55.2% 53.3% 54.0% 48.7% 50.2% — oo 51% 4024 1Q25 2Q25 3Q25 4Q25 4Q24 1025 2Q25 3Q25 4Q25 + Cost of credit has remained stable and is expected + At the portfolio level, l
Slide 24: Increasing Deposits and Stable Cost of Funding
Increasing Deposits and Stable Cost of Funding Deposits and Cost of Funding (RS Bn & % of CDI) 94.1% 95.7% 96.4% 94.2% 93.6% +44% 8%) v 267 28.7 23.9 j i 7 4Q24 1Q25 2Q25 3Q25 4Q25 — Cost of Funding Ml Deposits Multiple sources of Funding and Deposits Growth... * Digital On platform = Third-party pl
Slide 25: Stronger capital base, boosted by IPO Proceeds
Stronger capital base, boosted by IPO Proceeds p® Capital Ratio (% of RWA) 16.0% Total Capital Ratio Tier 2 CET1 3Q25 4Q25 1Q26E 25
Slide 26: 2026 Guidelines
PicPay 2026 Guidelines
Slide 27: 1Q26 Guidance
1Q26 Guidance Total Credit Portfolio Cost of Risk and Financial Income Net Interest Margin Adjusted EBT EBT Adjusted Net Income Expectation ~R$ 26.5M ~3.7% ~RS 3,150M ~RS$ 1,650M ~R$ 1,090M ~RS$ 235M ~R$ 215M ~R$ 140M ~RS$ 155M 27
Slide 28: 2026 Key Priorities
2026 Key Priorities | Revenue growth and margin expansion =| Increase PicPay’s clients Share of Wallet of credit products eee Boost product Cross Sell Scale SMB and Audiences and Ecosystem Businesses © Focus in Brazil 28
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Slide 31: Adjusted Gross Profit Reconciliation
Adjusted Gross Profit Reconciliation Se (in RSM) (in RSM) Total revenue and financial income 3.0141 1786.3 10,2778 5,570.1 Transaction expenses (213.0) (137.6) (691.2) (493.7) Interest and other financial expenses (987.4) (433.3) (3,499.4) (1,438.7) Credit loss allowance expenses (800,3) (483,5) (2,
Slide 32: Adjusted Profit Before Income Taxes Reconciliation
io] Adjusted Profit Before Income Taxes Reconciliation” P (in RSM) (in RS M) Profit before income taxes (33.2) 62.8 317.3 346.0 Adjustments: Expenses related to share-based long-term 2104 . 2104 . incentive plan) Expenses related to provision for - contingencies® See it Re alte ee =e hide | so Notes
Slide 33: Adjusted Profit Reconciliation
Adjusted Profit Reconciliation” a ciaauenemtiely a ee ee ee ee p* (in RSM) (in RS M) Profit for the period 827.8 79.8 1,141.6 251.8 Adjustments: Expenses related to share-based long-term Pe 7 rae 7 incentive plan® Expenses related to provision for 7 . contingencies® 643 ~ 643 Recognition of deferred
Slide 34: PicPay
PicPay >) = 5 id) ” © .@)
Slide 35: Glossary
Glossary * Adjusted Efficiency Ratio: Efficiency Ratio considers the sum of transactional expenses, technology expenses, marketing expenses, personnel expenses, administrative expenses, ond other expenses divided by to:al revenue and financial income minus interest and other financial expenses, and
Slide 36: Glossary
Glossary * Margin from credit products after losses: We calculate margin from credit products after losses as margin from credit products minus credit loss allowance expenses. * Monthly Spread: Interest rate net of funding cost. + Net Interest Income (NII): We calculate Net Interest Income (NII) as
Slide 37: Glossary
Glossary * Total Accounts: We define total accounts as the number of PicPay accounts opened by individuals, excluding accounts that have been charged-off, blocked or voluntarily closed by our consumers. Our management uses total accounts data to measure the growth of our brand and to evaluate our ma
Slide 38: Thank you
PicPay Thank you a