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Sep 30, 2025
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Pagseguro Q3 2025 Earnings Report
PagSeguro reported strong profitability in Q3 2025 with increased EPS and net income.
Key Takeaways
PagSeguro delivered a solid quarter, increasing its EPS and net income while generating strong operating cash flow. Total revenue rose modestly and operating performance remained robust despite a slight decrease in transaction-related revenue.
Net income rose to R$554,486,000 in Q3 2025.
EPS increased to R$1.8998 with diluted EPS at R$1.8802.
Operating cash flow reached R$5,634,678,000.
Cash and cash equivalents increased to R$1,427,303,000 by quarter end.
Revenue by Geographic Location
Forward Guidance
No formal guidance issued, but current performance trends show strong operational efficiency and margin stability.
Positive Outlook
- Strong operating cash flow supports liquidity position.
- Higher EPS and net income indicate improved profitability.
- Financial income grew significantly year-over-year.
- Reduced cost of services improves gross margins.
- International expansion continues, though with lower contribution.
Challenges Ahead
- Transaction activity revenue declined year-over-year.
- Selling and administrative expenses remain high relative to peers.
- Net international revenue dropped versus Q3 2024.
- Derivatives and hedging costs impacted financial costs.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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