Bemobi Mobile Tech (BMOB3) investor relations material

Executive summary

• Achieved record results in Q4 2025, with net revenue up 23% YoY to R$199 million, Payments up 50% YoY, and SaaS up 23% YoY, together comprising nearly 65% of quarterly revenue.

• Payments TPV rose 36% YoY to R$3.1 billion, driven by new client ramp-ups in key sectors.

• Adjusted EBITDA grew 20% YoY to R$66 million, with margin maintained despite increased investment in workforce and technology.

• Adjusted net income ex-Swap increased 31% YoY to R$61 million, supported by operating gains and lower tax rates.

• Strategic acquisition of Paytime and launch of innovative payment solutions (NuPay, Biometric Pix) expanded B2B2B reach and enhanced the payments platform.

Financial highlights

• Net revenue reached R$199.2 million in 4Q25, up 20.5% YoY, with Payments and SaaS as main growth drivers.

• Adjusted gross profit for 4Q25 was R$143.2 million (+21% YoY), with gross margin at 71.9%.

• Adjusted EBITDA for 4Q25 was R$65.9 million (+20% YoY), with a margin of 33.1%.

• Adjusted net income ex-Swap for 4Q25 was R$60.8 million (+31% YoY), with a net margin ex-Swap of 30.5%.

• Operating cash flow rose 27% YoY to R$53 million, with cash conversion near 80%.

Outlook and guidance

• Growth expected to remain balanced between new and existing customers, with Payments and SaaS expected to further increase their share of revenue.

• Anticipates sustained accelerated growth, especially if new verticals and Paytime scale up.

• Integration of Paytime expected to gradually unlock new addressable markets through 2026 and 2027.

• 2026 dividend policy to distribute 100% of net income, subject to cash requirements and sustainability.

• Minimum net income guidance for 2025 was R$100 million; actual net income reached R$156.7 million, exceeding guidance by 56.7%.