- Revenue: R$3.61B, +11.1% YoY聽
- Net Income: R$665.6M, +18.1% YoY聽
- Adjusted EPS: R$2.26, +25.8% YoY聽
CEO Pedro Zinner: "Despite a challenging macroeconomic environment, we successfully navigated market complexities, maintaining strong growth and improving profitability."聽
馃尡Revenue & Growth聽
- Total TPV: R$143.9B, +16.1% YoY聽
- MSMB TPV: R$128.4B, +21.1% YoY聽
- Financial Services Revenue: R$3.19B, +11.2% YoY聽
- Software Revenue: R$416.6M, +14.7% YoY聽
馃挵Profits & Financials聽
- Gross Profit: R$1.70B, +12.9% YoY聽
- EBT: R$778.1M, +21.9% YoY聽
- Net Cash: R$4.70B, -6.9% YoY聽
- MSMB Take Rate: 2.20%, -7bps QoQ聽
馃搶Business Highlights聽
- MSMB Financial Services Take Rate improved to 2.55%, exceeding guidance聽
- Retail deposits surged to R$8.7B, +42% YoY聽
- Credit portfolio expanded nearly 4x to R$1.2B聽
- AI-powered customer service reduced call volumes by ~45%聽
- R$1.6B in share buybacks during 2024聽
馃敭Future Outlook聽
- Preparing for higher long-term interest rates in 2025聽
- Expanding banking and credit services to drive further monetization聽
- Retail deposit growth expected to outpace TPV growth聽
- Focus on AI adoption for operational efficiency and customer engagement