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Bemobi Mobile Tech (BMOB3) investor relations material
Bemobi Mobile Tech Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
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.
EBITDA margin outlook given investment strategy
PIX orchestrator TPV reporting and take rate impact
Subscription business role and M&A for new markets
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Next Bemobi Mobile Tech earnings date
Q4 202520 Mar, 2026
Next Bemobi Mobile Tech earnings date
Q4 202520 Mar, 2026
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