Bemobi Mobile Tech (BMOB3) investor relations material

Executive summary

• Celebrated five years since IPO, with a strategic shift to vertical payments focused on recurring essential services and industry specialization, especially in telecom, utilities, education, and healthcare.

• Net revenue grew 20% YoY organically (22% FXN), and 35% YoY including Paytime, with Payments and SaaS now comprising nearly 70% of revenue.

• Adjusted EBITDA expanded 24% YoY organically (32% with Paytime), with margin expansion and adjusted net income up 21% YoY to R$37 million.

• Product innovation included integration of Apple Pay, Google Pay, and launch of Pix Orchestrator, now with 16 live clients and five major banks.

• Accelerated investment in AI-native payments infrastructure to lead recurring agentic payments in LATAM.

Financial highlights

• Consolidated revenue grew 35% YoY including Paytime; organic revenue up 22% neutralizing FX effects.

• Adjusted EBITDA reached R$74.7 million (32% YoY growth), with margin at 33.6%; adjusted net income was R$37.3 million (21% YoY growth), with net margin at 16.8%.

• Paytime contributed BRL 14.3 million in the quarter, about 10% of revenue and 7% of EBITDA.

• Operating cash flow conversion improved to 82%, with cash flow up 31% organically and 42% including Paytime.

• Cash position at quarter-end was R$349 million, supported by BNDES funding.

Outlook and guidance

• Expectation to apply Bemobi's playbook to Paytime, aiming for margin convergence over time.

• Continued investment in AI and payment innovation, with anticipated revenue impact from new products in 2026-2027.

• Commitment to distribute 100% of net income for fiscal year 2026.

• Confident in maintaining operating leverage and expanding in underpenetrated client segments.