PagSeguro Digital Ltd. Class A Common Shares (PAGS) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good evening, my name is Sofia and I will be your conference operator today. Welcome to PagSeguro Digital earnings call for the fourth quarter of 2025. The slide presentation for today's webcast is available on PagSeguro Digital's investor relations website at investors.pagbank.com. Please refer to the forward-looking statements and reconciliation disclosure in this presentation and in the company's earnings release appendix. All participants will be in listen-only mode. To ask a live question after the presentation, please use the raise hand button to join the queue. Once you are announced, a request to activate your microphone will appear on your screen. Today's conference is being recorded and will be available on the company's IR website after the event is concluded. Now, I will turn the call over to Daniel Spencer-Pioner, Head of IR. Good evening, everyone, and welcome to PACBank's earnings conference call for the fourth quarter of 2025. I'm Daniel Spencer-Pioner, PACBank's Head of Investor Relations, and I want to thank you for taking the time to join our webcast. I'm here with Ricardo Dutra, our principal executive officer, Carlos Mawat, our CEO, and Gustavo Sequin, our CFO. After the presentation, we'll have a live Q&A session. Please note that during Q&A, we'll take only one question per analyst to ensure the best use of our time. Now, I'd like to hand it over to Dutra. Please, Dutra. Hello everyone, and thank you for joining our full year and fourth quarter 2025 earnings call. In Q4, we continue to expand our credit and banking businesses, along with the reacceleration of acquiring volumes. As a result, we are pleased to report a robust performance, demonstrating our resilience sustained by disciplined execution and value creation, focused on our long-term ...