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Credit services · Financial Services · Fiscal year ends Dec 31 · Reports in BRL
Net income was BRL 2.3B. Operating cash flow of BRL 677M less capital expenditure of BRL 706M left free cash flow of −BRL 29M. Net debt was BRL 5.5B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cost of revenue | 1,714 | 2,670 | 2,370 | 2,833 | 3,365 |
| Interest expense | 1,269 | 3,515 | 3,956 | 3,660 | 4,479 |
| Pre-tax income | −1,446 | −387 | 1,910 | 2,486 | 2,790 |
| Income tax | −68.2 | 139 | −355 | −465 | −413 |
| Net income | −1,377 | −526 | 1,600 | −1,507 | 2,339 |
| Diluted EPS | −4.40 | −1.67 | 4.74 | −5.02 | – |
| Diluted shares | 309 | 312 | 313 | 302 | 267 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 4,496 | 1,513 | 2,176 | 5,228 | 4,822 |
| Receivables | 886 | 485 | 460 | 391 | 223 |
| Current assets | 29,944 | 30,659 | 37,153 | 45,965 | 56,447 |
| Net PP&E | 1,570 | 1,641 | 1,662 | 1,834 | 1,726 |
| Total assets | 42,097 | 42,245 | 48,694 | 54,813 | 62,297 |
| Payables | 373 | 596 | 514 | 672 | 848 |
| Current liabilities | 22,790 | 25,174 | 28,831 | 33,534 | 41,204 |
| Short-term debt | 2,579 | 1,847 | 475 | 3,066 | 5,777 |
| Long-term debt | 3,556 | 2,728 | 3,496 | 5,430 | 4,578 |
| Total liabilities | 28,470 | 29,295 | 34,018 | 42,986 | 51,262 |
| Shareholders' equity | 13,536 | 12,894 | 14,622 | 11,776 | 10,995 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 3,607 | 1,684 | 1,648 | −3,621 | 677 |
| Capital expenditure | 1,083 | 418 | 736 | 764 | 706 |
| Free cash flow | 2,524 | 1,266 | 911 | −4,386 | −29.0 |
| Depreciation & amortisation | 507 | 800 | 878 | 949 | 1,003 |
| Stock-based compensation | 113 | 213 | 236 | 213 | 274 |
| Acquisitions | 4,737 | 69.8 | 0.0 | 9.1 | 2.0 |
| Share buybacks | 989 | 0.0 | 293 | 1,587 | 2,987 |
| Dividends paid | 3.0 | 3.6 | 6.0 | 10.5 | 17.7 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | – | – | −205.9% | – |
| Return on equityBlank when equity is negative | −10.2% | −4.1% | 10.9% | −12.8% | 21.3% |
| Cash conversion (CFO ÷ net income) | −2.62x | −3.20x | 1.03x | 2.40x | 0.29x |
| Payable days | 79 | 81 | 79 | 87 | 92 |
| Debt ÷ equity | 0.45x | 0.35x | 0.27x | 0.72x | 0.94x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 1,640 | 3,063 | 1,795 | 3,268 | 5,534 |
| Current ratio | 1.31x | 1.22x | 1.29x | 1.37x | 1.37x |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.