PicS N.V. (PICS) Q2 2026 Earnings Call

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WEBVTT 00:00:01.620 -- 00:00:06.984 Good evening everyone and welcome to PPPay's second quarter 2026 earnings conference 00:00:06.984 -- 00:00:12.669 call. Joining the call today are Eduardo Chedid, Chief Executive Officer, 00:00:12.669 -- 00:00:17.793 Andre Cazotto, Chief Financial and Investor Relations Officer, and Danilo Cafaro, 00:00:17.793 -- 00:00:22.857 Vice President of Consumer Banking. Please note that this presentation may 00:00:22.857 -- 00:00:27.460 contain forward-looking statements and non-GAAP financial measures. 00:00:27.460 -- 00:00:32.094 Please refer to the disclaimer on the screen and to the earnings materials available 00:00:32.094 -- 00:00:38.276 on the Investor Relations section of PicPay's website for additional information. 00:00:38.276 -- 00:00:43.358 This call is being recorded and a replay will be available on the company's website shortly 00:00:43.358 -- 00:00:46.240 after the conclusion of the call. 00:00:46.240 -- 00:00:51.502 At this time, I would like to turn the call over to Eduardo Chedid, Chief Executive Officer 00:00:51.502 -- 00:00:53.295 of PicPay. 00:00:53.295 -- 00:00:55.776 Thank you, operator, and welcome everyone. 00:00:55.776 -- 00:01:00.658 This is our third earnings call as a public company, and I'm proud to share another quarter 00:01:00.658 -- 00:01:05.719 of strong execution across our platform. Before we get into the results, I want to 00:01:05.719 -- 00:01:10.820 say a few words about our CFO transition. As we announced in early August, Andre 00:01:10.820 -- 00:01:15.442 Cazotto has succeeded Rodrigo Couto as our Chief Financial Officer. 00:01:15.442 -- 00:01:20.583 This transition is the result of a planned succession process, and I'm confident in the 00:01:20.583 -- 00:01:24.244 strength and continuity of our le...