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