StoneCo Ltd. (STNE) Q2 2026 Earnings Call

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WEBVTT 00:00:00.820 -- 00:00:05.041 Good evening, everyone. Thank you for standing by. 00:00:05.041 -- 00:00:10.223 Welcome to StoneCo's second quarter 2026 earnings 00:00:10.223 -- 00:00:16.245 conference call. By now, everyone should have access to our earnings release. 00:00:16.245 -- 00:00:21.107 The company also posted the presentation to go along with this call. 00:00:21.107 -- 00:00:25.468 All material can be found online at investors.stone.co. 00:00:26.855 -- 00:00:31.857 Before we begin the call, I advise you to review the disclaimer included 00:00:31.857 -- 00:00:37.020 in the press release and presentation, which outlines important information 00:00:37.020 -- 00:00:43.483 about forward-looking statements and non-IFRS financial measures. 00:00:43.483 -- 00:00:47.304 In addition, many of the risks 00:00:49.185 -- 00:00:54.200 regarding the business Artists' Securities and Exchange Commission, which is also 00:00:54.200 -- 00:00:57.802 available at www.fcc.gov. 00:01:16.636 -- 00:01:18.636 Thank 00:01:22.678 -- 00:01:25.279 you operator 00:01:28.220 -- 00:01:29.801 and good evening everyone. 00:01:29.801 -- 00:01:32.922 Let me start with some perspective on the quarter. 00:01:32.922 -- 00:01:38.204 This was a quarter of steady progress on the priorities we laid out earlier in the year. 00:01:38.204 -- 00:01:43.226 Reaccelerating TPP growth through better retention, deepening our banking and 00:01:43.226 -- 00:01:48.298 credit franchises, and keeping a disciplined approach to costs. 00:01:48.298 -- 00:01:53.542 PPV growth accelerated to 4%, an early signal that the retention 00:01:53.542 -- 00:01:58.306 initiatives we launched this year are beginning to work, though there is still a lot 00:01:58.306 -- 00:02:04.110 of work to be done. Banking and credit kept a...