Bemobi Mobile Tech (BMOB3) investor relations material

Executive summary

• Achieved robust revenue growth of 22% year-over-year in Q3 2025, led by Payments (+40% YoY) and SaaS (+16% YoY), with all business lines posting double-digit growth and expansion into new geographies and client segments, including launches in England and Spain.

• Added major new clients such as Hapvida (healthcare) and Vero (ISP), expanding into health insurance and other verticals.

• Launched innovative products like Smart Checkout and Pix Orchestrator, reinforcing leadership in payment solutions.

• Continued digitalization of payments for major clients in telecommunications, utilities, education, and insurance.

• Expanded client base to 1,612 active clients, including 162 enterprise clients, and entered new international markets.

Financial highlights

• Net revenue reached R$187.5 million in 3Q25, up 22% YoY, with Payments and SaaS as main drivers; nine-month revenue totaled R$529.6 million, up 20% YoY.

• Payments TPV grew 38% YoY to R$2.9 billion, with take rate on digital payments at 2.5%.

• Adjusted EBITDA reached R$63 million, up 24% YoY, with margin expanding to 33.4%.

• Adjusted net income ex-Swap rose 57% YoY to R$41.3 million, with net margin ex-Swap at 22%.

• Operating cash flow grew 28% YoY to R$47.5 million, with a cash conversion ratio of 75.7% and cash balance of R$475 million after working capital and dividend payments.

Outlook and guidance

• Confident in maintaining strong growth in Payments and SaaS, with these segments expected to drive 80-90% of future expansion.

• Minimum net income guidance for FY2025 set at R$100 million, supporting robust dividend policy and potential acceleration of distributions.

• Anticipate positive impact from new contracts, such as Hapvida, by the end of H1 2026, and rollout of Smart Checkout for all payment clients by Q2 2026.