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PR Newswire·

PagBank reaches 34 million customers and reports recurring profit of R$ 678 million, with an ROAE of 18.4% in 4Q25

PAGS
  • PagBank reported fourth-quarter 2025 results with R$ 40.7 billion in deposits & R$ 49.7 billion in an expanded loan portfolio.
  • Recurring net income reached R$ 678 million while net revenue grew 12.4% year-over-year to R$ 3.5 billion.
  • The client base currently stands at 34 million, & the bank holds an AAA rating from three leading global risk agencies.
  • The credit portfolio expanded 32.8% year-over-year, driven by a 170.1% increase in working capital loans.
  • Working capital concessions for entrepreneurs totaled approximately R$ 190 million in the quarter.
  • Payment transaction volume (TPV) showed sequential acceleration of nearly 10%, exceeding historical seasonality.
  • Adjusted recurring return on equity (ROAE) advanced to 18.4%, reflecting improved profitability & cost discipline.
  • PagBank aims to reach a credit portfolio of R$ 25 billion by the end of 2029.
  • CEO Carlos Mauad & CFO Gustavo Sechin emphasized strategic execution, credit quality, & financial discipline amidst a challenging macro environment.