Daniel Spencer-Pioner
Head of Investor Relations
Replay available
PagSeguro Digital Ltd. Class A Common Shares (NYSE: PAGS) Q4 2025 earnings conference call, held 2026-03-04. Replay captured from the company's public earnings webcast.

Head of Investor Relations
Principal Executive Officer
Chief Executive Officer
Chief Financial Officer
Analyst, Bank of America
Analyst, JP Morgan
Analyst, Citi
Analyst, UBS
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WEBVTT 00:00:00.031 -- 00:00:04.378 Good evening, my name is Sofia and I will be your conference operator today. 00:00:04.378 -- 00:00:11.146 Welcome to PagSeguro Digital earnings call for the fourth quarter of 2025. 00:00:11.210 -- 00:00:16.278 The slide presentation for today's webcast is available on PagSeguro Digital's investor 00:00:16.278 -- 00:00:20.181 relations website at investors.pagbank.com. 00:00:21.918 -- 00:00:26.183 Please refer to the forward-looking statements and reconciliation disclosure in this 00:00:26.183 -- 00:00:31.146 presentation and in the company's earnings release appendix. 00:00:31.368 -- 00:00:34.572 All participants will be in listen-only mode. 00:00:34.572 -- 00:00:39.497 To ask a live question after the presentation, please use the raise hand button to join 00:00:39.497 -- 00:00:41.359 the queue. 00:00:41.359 -- 00:00:47.011 Once you are announced, a request to activate your microphone will appear on your screen. 00:00:47.011 -- 00:00:51.979 Today's conference is being recorded and will be available on the company's IR website 00:00:51.979 -- 00:00:54.503 after the event is concluded. 00:00:54.503 -- 00:01:00.253 Now, I will turn the call over to Daniel Spencer-Pioner, Head of IR. 00:01:00.253 -- 00:01:04.960 Good evening, everyone, and welcome to PACBank's earnings conference call for the fourth 00:01:04.960 -- 00:01:10.890 quarter of 2025. I'm Daniel Spencer-Pioner, PACBank's Head of Investor Relations, 00:01:10.890 -- 00:01:14.635 and I want to thank you for taking the time to join our webcast. 00:01:14.635 -- 00:01:20.442 I'm here with Ricardo Dutra, our principal executive officer, Carlos Mawat, our CEO, 00:01:20.442 -- 00:01:23.445 and Gustavo Sequin, our CFO. 00:01:23.445 -- 00:01:27.169 After the presentation, we'll have a l...