Earnings release
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BEMOBI Earnings Release 2Q26 Quarterly Results ■ CONTACT ri@bemobi.com.br ■ WEBSITE ri.bemobi.com.br AUGUST 12 , 2026 Conference call in Portuguese with simultaneous translation into English 10:00 a.m. Brasília • 9:00 a.m. New York Replay available on the IR website
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HIGHLIGHTS OF THE QUARTER ■ Net revenue grew 30% YoY to R$227 million, or 36% excluding the foreign exchange variation effect (FXN). Organically (excluding Paytime), net revenue grew 15% YoY (20% YoY FXN), completing ten consecutive quarters of year-over-year growth. ■ Payments and SaaS continue to drive growth, expanding 75% YoY (34% YoY organically) and 21% YoY, respectively. In line with our strategic direction, the Payments + SaaS combination reached nearly 70% of revenue (+11.2 p.p. YoY). ■ Adjusted EBITDA recorded growth of 33% YoY, to R$79 million, with a 0.8 p.p. margin expansion to 34.9%. Organically, Adjusted EBITDA grew 24% YoY, with a 2.7 p.p. margin expansion. ■ Adjusted EBITDA - Capex expanded 44% YoY to R$65 million (+33% YoY organically), with cash conversion of 81.5% (80.9%). ■ Adjusted net income grew 30% YoY to R$45 million , resulting from strong operating income growth and the payment of Interest on Equity (IoE) during the quarter, partially offset by the lower financial result due to a smaller net cash position. ■ New clients and sectors: Aegea (sanitation), Vitru and FMU (education), Qualicorp (healthcare); Apsa (condominiums). ■ Innovation and products : We highlight the combination of payment methods, including payment with Livelo loyalty points. ■ Payment of R$16 million in Interest on Equity (IoE), equivalent to R$0.19 per share . BMOB3 shares will trade ex-IoE on August 18, with payment occurring on August 28. Main Financial Indicators¹ (In R$ mm) 2Q26 2Q25 % var. 6M26 6M25 % var. Net Revenue¹ 227.3 175.1 29.8 % 449.3 342.1 31.3 % Adjusted Gross Profit¹ 154.8 128.1 20.9 % 306.3 249.2 22.9 % Gross Margin % 68.1 % 73.2 % -5.1 p.p. 68.2 % 72.8 % -4.7 p.p. Adjusted EBITDA.¹ 79.4 59.9 32.7 % 154.1 116.4 32.4 % EBITDA Margin % 34.9 % 34.2 % +0.8 p.p. 34.3 % 34.0 % +0.3 p.p. Adjusted Net Income¹ 45.2 34.7 30.1% 82.5 65.6 25.9 % Adjusted Net Margin % 19.9 % 19.8 % +0.1 p.p. 18.4 % 19.2 % -0.8 p.p. Adjusted EBITDA - Capex¹ 64.8 45.1 43.8 % 126.2 88.4 42.8 % Cash Conversion % 81.5 % 75.3 % +6.2 p.p. 81.9 % 75.9 % 7.0 p.p. (1) All comments in this document refer to harmonized financial information (due to the incorporation of M4U), except when otherwise stated. The reconciliation between the harmonized financial information and the financial information submitted to the CVM can be found in Annex IV of this document. 2Q26 Quarterly Results 1
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MESSAGE FROM MANAGEMENT From a company with payments to a payments company. The semantic shift is subtle, but anyone who has followed Bemobi over the five years since its IPO recognizes the profound transformation of its business. The result of successful strategic decisions, this evolution culminated in a model based on the combination of payments and SaaS, which sustains healthy and consistent growth and opens new expansion opportunities. It is this movement that serves as the backdrop for the launch of Bemobi´s new brand and for its positioning as a specialized company that turns payments into a competitive advantage for its clients. We do this through the combination of four pillars of capabilities and technology solutions: sector specialization, smart payments, complete journey, and an AI-native platform. 2Q26 was another quarter of consistent growth... Net revenue grew 30% YoY (+36% excluding the FX variation, or FXN), driven by strong organic growth (+15% YoY, the tenth consecutive quarter, or 20% YoY FXN) and by the integration of Paytime. TPV maintained its accelerated growth trajectory, expanding 54% YoY, with a highlight to the 36% YoY organic contribution and its continued sectoral diversification, reinforced this quarter by the addition of Hapvida. As a result, the Payments vertical grew 75% YoY (34% YoY organically), followed by SaaS (+21% YoY), bringing the combination of payments and SaaS to around 70% of net revenue. …with a significant improvement in profitability. On an organic basis, Adjusted EBITDA rose 24% YoY, a 2.7 p.p. margin expansion to 36.8%, as sustainable revenue growth dilutes the investments made by the company in the second quarter of 2025. Adjusted EBITDA less capex grew 44% YoY, or 33% YoY organically , a combination of the strong operating result and capex stability, a conversion of 82% of Adjusted EBITDA. Adjusted net income expanded 30% YoY, driven by operating income growth and a lower tax rate. The cash position totaled approximately R$328 million at the end of 2Q26, an amount that allows us to continue exploring complementary M&A opportunities and to ensure the distribution of 100% of 2026 net income. Accordingly, we announced today the distribution of R$16 million in interest on equity, in addition to the distribution made in May. Turning payments into competitive advantage. The focus on vertical payments and the differentiation of our value proposition have been the foundation for our entry into new sectors and the conquest of new clients. This quarter, we announced new clients that consolidate Bemobi's presence in three large addressable markets: Aegea (sanitation); Vitru and FMU (higher education); and Qualicorp (healthcare). In all of them, we previously had only one client each. Additionally, we announced our entry into the condominium sector with Apsa. We are very well positioned to explore opportunities across all the sectors where we have a presence. Among the quarter's innovation and product highlights is the launch of a solution that allows different payment methods to be combined to settle a single bill, including the use of points from the Livelo loyalty program. Bemobi is the first independent payments player to bring these capabilities together on a single bill-payment platform, expanding flexibility and convenience for consumers and strengthening the experience offered by partner companies. We thank our employees, clients, suppliers, and shareholders for joining us on this journey of digitalizing payments and serving the major recurring services industries. Pedro Ripper CEO of Bemobi Mobile Tech S.A. 2Q26 Quarterly Results 2
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STRATEGY UPDATE Five years of transformation since the IPO. Bemobi has been in constant transformation since its initial public offering (IPO), which took place in February 2021. Looking back from a distance, however, what emerges is a successful trajectory of value creation. From 2020 to 2025, revenue tripled, adjusted EBITDA increased 2.6 times, and adjusted net income expanded 4.3 times, resulting in compound growth rates above 20%. Additionally, R$467 million was returned to shareholders in the form of dividends or share buybacks, an amount equivalent to approximately 55% of the net proceeds raised. All of this was made possible by strategic choices that proved highly accurate. These choices gave rise to a payments company, which draws 70% of its revenue from the digital payments and Software as a Service (SaaS) verticals — practically non-existent 5 years ago — and serves 16 of the 20 largest recurring services companies in Brazil, across 5 different sectors. This path was built through a sequence of acquisitions, each one adding a new sector or new capability, always integrated into a single platform. M4U brought the payments engine, at telecom scale. Tiaxa, the Latin America operation. 7AZ, the internet service providers segment and the billing software. Agenda Edu, the education vertical, and with it a thesis that would repeat itself: enter via SaaS and sell payments. Wave, the customer experience layer. And Paytime, the gateway to B2B2B ecosystems. None of them became a separate business. In this way, the new brand architecture represents the consolidation of Bemobi as a payments company , positioned to capture the growth opportunity in sectors with recurring payments, grounded in its value proposition that turns payments into a competitive advantage for its clients. And this is achieved through four differentiators: 2Q26 Quarterly Results 3
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■ Sector specialization: we specialize in recurring services industries, driving the digitalization of sectors such as telecommunications, utilities, education, and healthcare, in addition to ecosystems and marketplaces. This sector focus allows us to deeply understand the particularities and challenges of each of these segments. ■ Smart payments : through orchestration, an omnichannel checkout that accepts all payment methods, the recurrence engine and the provider flexibility, we simplify payments both for those who bill and those who pay, increasing conversion and collection. ■ Complete journey : more than integration, we optimize the end-to-end experience (from the billing channel to internal systems). Our platform covers the entire journey from the bill that arrives to the service released, going through capture, approval, transaction retries, to post-payment with real-time settlement, reconciliation, and native integration with the backoffice (ERPs, CRMs, and billing systems). ■ Plataforma AI-native : artificial intelligence integrated into the platform, ready for the age of agents. Payments learn with every transaction, increasing prediction, conversion, and revenue recovery. BUSINESS UPDATE In 2Q26, Bemobi's Total Payment Volume (TPV) grew 54% YoY, reaching R$3.9 billion , resulting from (i) continued growth across all operating sectors, (ii) the maturation of recent initiatives in the utilities (electric power distribution and sanitation), education, and healthcare sectors — the latter reinforced by the addition of Hapvida — and (iii) the acquisition of Paytime (marketplace and ecosystems) The diversification of TPV is clear evidence of the soundness of our strategy and the value added by our solutions . The sequential decline in take rate, in turn, was due to Paytime's lower take rate and the addition of Hapvida, whose transaction mix was heavily concentrated in Pix. 2Q26 Quarterly Results 4
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In 2Q26, we expanded our presence in the segments where we already operate and entered a new segment. We consolidated our position in the education sector with Vitru and FMU , major Brazilian education groups. Aegea , one of the largest sanitation companies in the country, also joins to consolidate our specialization in sanitation (utilities). We also expanded our presence in the healthcare sector with Qualicorp , one of Brazil's leading health benefits administrators. In addition, we entered the condominium sector with the addition of Apsa to our client portfolio. 2Q26 Quarterly Results 5
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PRODUCT UPDATE 01. Combination of payment methods: one bill, multiple ways to pay This quarter, Bemobi launched the combination of payment methods, a feature that allows a single bill to be paid using two or more payment methods in a single transaction. The feature eliminates recurring billing failures caused by payment method limitations (such as insufficient balance or spending limits), situations in which the charge would traditionally fail completely. As a result, it has a direct impact on conversion and collection by recovering attempts that would previously have been lost. This is a capability that global gateways do not offer in Brazil: the breadth of payment methods combined with the ability to unite them in a single transaction , a relevant competitive differentiator for the essential recurring services sectors. 02. Livelo: loyalty points as a way to pay the bill In partnership with Livelo, Bemobi began allowing the use of Livelo loyalty program points as a payment method for essential recurring bills. The feature is native to Smart Checkout, with no redirection or separate screen: points appear as just another payment method within the same journey. For companies, it represents a new lever for conversion and retention, made available to their client base through the same existing integration. 2Q26 Quarterly Results 6
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OPERATING INDICATORS The company operates under a B2B2C model, offering solutions to our partners who, in turn, provide these services to their customers. Therefore, the operating indicators presented in this section represent usage/consumption metrics of our solutions made available through our partners. Total Payment Volume (TPV) Financial volume, including digital top-up and digital payments ■ Growth of 54% YoY to R$3.9 billion. Organic growth was 36% YoY. ■ The main drivers of organic growth, on an annual comparison, were: ○ (i) acceleration among recent clients, particularly in the education segment and Sabesp, and the start of Hapvida; and ○ (ii) continued increase in penetration among longer-standing partners. As a result, Bemobi's TPV continues to diversify, with more recent segments (utilities, education, and healthcare) gaining representativeness. Microfinance Transactions Number of microfinance transactions, including airtime/voice/data advances and Credit Score ■ The decline in transaction volume was impacted by the discontinuation of a microcredit transactions client (balance advances and top-up), more than offsetting the continued growth of Credit Score transactions (Mexico and Colombia). ■ Excluding the effect of the FX variation, this vertical's revenue was stable on an annual comparison (+1% YoY), with the decline in transaction volume offset by the higher average ticket driven by the growth in Credit Score transactions. Subscriber Base Average user-paid active app subscription base ■ Stable subscription volume, with consistent user base growth in international operations (driven by countries such as Nigeria, Egypt, Ukraine, and Pakistan), partially offsetting a softer performance with operators in Brazil and some LatAm countries. 2Q26 Quarterly Results 7
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FINANCIAL INDICATORS Adjusted Net Revenue Adjusted net revenue expanded 30% YoY, to R$227.3 million, or 36% excluding the FX variation effect (FXN). Organic growth (excluding Paytime, consolidated since 1Q26) was 15%, to R$200.8 million, or 20% excluding the FX variation effect. From a vertical perspective, revenue performed as follows: 01. Digital payments grew 75% YoY maintaining the strong organic growth pace of previous quarters (+34% YoY, in line with the TPV growth discussed in the previous section), combined with the addition of Paytime (100% allocated to the payments vertical). 02. SaaS recorded growth of 21% YoY , resulting from the increase in active licenses among our K-12 education and ISP clients, as well as revenue from the setup of the customer service technology platform associated with the Wave Tech and Grace IA solutions. 03. Other businesses recorded a decline of 5% YoY, but an expansion of 4% YoY on an FXN basis , with +5% YoY in subscriptions and +1% YoY in microfinance. As a result, from the perspective of our solutions portfolio, Digital payments revenue increased by 12.7 p.p., to 49.3% of revenue. In line with our strategy presented at the last Bemobi Day, the combination of payments and SaaS reached 69.5% and should continue to expand relative to the others. As these revenues are still highly concentrated in the local market, revenue in Brazil increased by 13.8 p.p. to 72.3%. 2Q26 Quarterly Results 8
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Adjusted Cost of Services The adjusted cost of services rendered line in our business is composed of: i. Investments in marketing to promote and advertise our solutions through leading partners in the digital media and app world; ii. Licensing fees owed to app and game developers under a revenue-share model; iii. Costs related to the processing and collection of the digital payments solution, including, but not limited to, MDR paid to the acquirer, Pix processing, among others; in addition to (iv) other sales-related costs. In 2Q26, the cost of services rendered was R$72.5 million, an increase of 54% compared to 2Q25, mainly due to higher costs resulting from the strong expansion of payments revenue and the consolidation of Paytime. On an organic basis, this line advanced 21% YoY. Adjusted Gross Profit As a result, adjusted gross profit reached R$154.8 million in the quarter, an increase of 21% compared to 2Q25. Excluding Paytime, adjusted gross profit expanded 12% YoY, to R$142 million. The margin decline reflects Paytime's lower profitability. Adjusted Operating Expenses Adjusted operating expenses totaled R$75.4 million in 2Q26, an increase of 10% compared to 2Q25, basically resulting from the same effects that impacted previous quarters (although with a smaller year-over-year variation), in addition to the consolidation of Paytime. On an organic basis, the increase was only 3% year over year, resulting from the dilution of the investments made in the second half of 2025 related to the strengthening of the workforce (mainly associated with the payments and SaaS solutions), combined with the control of technology expenses and the relative stability in the composition of the allowance for doubtful accounts. 2Q26 Quarterly Results 9
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Adjusted EBITDA Adjusted EBITDA totaled R$79.4 million this quarter, an expansion of 33% compared to 2Q25. Organic growth was 24% YoY, recording a 2.7 p.p. margin expansion. The Adjusted EBITDA margin continues on its trajectory of positive operating leverage, a trend we expect to continue in the coming quarters (not necessarily in a linear fashion over time), while Paytime's profitability should also increase as a result of the operation's scale gains. Adjusted EBITDA in this quarter excluded R$7.2 million in share-based compensation expenses (ILP), compared to R$6.3 million in 2Q25. The increase in this line relates to a more balanced distribution of this expense across the quarters of 2026. Financial Result The financial result in 2Q26 was negative R$2.3 million, compared to R$16 million in 2Q25, a reduction of R$18.3 million. This variation is mainly explained by: ■ -R$11.9 million in the swap effect: in 2Q26 we reported a negative financial result from the swap of R$5.2 million (stemming from the 12% depreciation of BMOB3 shares during the period), compared to a positive R$6.7 million in 2Q25. The share repurchase occurred in May reduced materially the exposure to this swap operation, leading to a much lower volatility in this line in the upcoming quarters. ■ -R$4.0 million in financial income: income from financial investments totaled R$8.6 million this quarter, compared to R$12.7 million in 2Q25, due to a smaller cash position, explained by the payment of dividends and the payment of the first installment of the Paytime acquisition. ■ -R$1.6 million in interest, due to the update on payables (reflecting the increase in this line due to the Paytime acquisition) and the debt contracted with BNDES. ■ +R$1.0 million in FX variation: in 2Q26 we recorded an FX variation expense (on assets held abroad) of R$2.0 million, compared to an expense of R$3.0 million in the same quarter of the prior year. 2Q26 Quarterly Results 10
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Adjusted Net Income Adjusted net income in 2Q26 totaled R$45.2 million, an increase of 30% compared to 2Q25, mainly resulting from the 42% increase in adjusted operating income and the lower income tax and social contribution rate (due to the payment of IoE in the quarter), partially offset by net financial expense and the growth in the results of companies in which Bemobi does not yet hold 100% of the shares (generating an increase in the result attributed to non-controlling interests). The adjusted net margin remained stable. For better comparability, Adjusted net income excludes (when applicable): (i) share-based compensation expenses (ILP) and M&A expenses; (ii) the amortization of intangible assets arising from acquisitions; and (iii) the mark-to-market effect of the swap, all net of income tax effects. The full reconciliation between net income and adjusted net income can be found in Annex V. Net income totaled R$33.2 million and remained stable on an annual comparison, impacted by the negative variation in the mark-to-market of the swap and by lower financial income, as discussed in the previous section, which offset the growth in operating income and the tax savings. Capex Capex (investments in tangible and intangible assets, excluding the right-of-use line for third-party properties) continues to be composed mainly of investments in intangible assets, as we reinforce our investments in research and development (R&D) to maintain a greater competitive differential. 2Q26 Quarterly Results 11
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Additionally, the level of fixed asset capitalization is low, as a significant portion of our structure is supported by lease or service contracts. This quarter, investments totaled R$14.7 million, with a variation close to zero on an annual comparison. Adjusted EBITDA - Capex This quarter, the Adjusted EBITDA less Capex indicator (a proxy for operating cash generation) recorded R$64.8 million, a growth of 44% compared to the same quarter last year, reflecting the solid operating performance (Adjusted EBITDA +33% YoY), combined with capex stability (-1% YoY). As a result, the cash conversion ratio this quarter reached 81.5%, an increase of 6.3 p.p. compared to 2Q25. Excluding Paytime's contribution, operating cash generation totaled R$59.8 million, a growth of 33% on an annual comparison, a cash conversion of 80.9% (+5.6 p.p.). Cash Flow (R$ MM) 2Q26 Quarterly Results 12
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In 2Q26, cash flow from operations was positive R$44 million , driven by the solid Adjusted EBITDA less Capex, which offset the working capital consumption in the payments operation and the payment of taxes. The use of the company's own resources in the payments operation is a decision to invest in a product with strong growth potential that generates a return on invested capital (ROIC) above average. This quarter, Bemobi repurchased R$44 million in shares of its own issuance, in addition to the payment of R$16 million in IoE, a total of R$60 million in shareholder returns . As a result, the ending cash position totaled R$328 million, versus R$349 million at the end of March. 2Q26 Quarterly Results 13
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RELATIONSHIP WITH AUDITORS Pursuant to CVM Resolution No. 162/22, we inform that the Company consulted the independent auditors Ernst & Young Auditores Independentes S/S Ltda. to ensure compliance with the rules issued by the Authority, as well as the law governing the accounting profession, established by Decree-Law 9,295/46 and subsequent amendments. Compliance with the regulations for the exercise of the professional activity issued by the Federal Accounting Council (CFC) and the technical guidance issued by the Brazilian Institute of Independent Auditors (IBRACON) was also observed. The Company adopted the fundamental principle of preserving auditor independence, ensuring no influence in auditing their own services, nor having participated in any management function of the Company. Ernst & Young Auditores Independentes S/S Ltda. was engaged to perform audit services for the current fiscal year and review of the quarterly information for the same fiscal year. 2Q26 Quarterly Results 14
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ANNEX I — INCOME STATEMENT — ACCOUNTING VIEW (More information on the Harmonized and Adjusted Income Statement in Annex IV) 2Q26 Quarterly Results 15
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ANNEX II — BALANCE SHEET 2Q26 Quarterly Results 16
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ANNEX III — CASH FLOW STATEMENT 2Q26 Quarterly Results 17
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ANNEX IV — HARMONIZED INCOME STATEMENT In 2021, the Company acquired M4U, whose corporate purpose is the provision of data transmission services for mobile phone credits and the trading of mobile device top-ups, especially for products and plans in prepaid or control modalities, among others. Specifically in the transmission service modality, it makes the funds captured on its digital platform available directly to the carriers, already net of the amount owed for its service provision. In the trading modality, in turn, M4U acquires credits directly from the carriers for subsequent sale to the end consumer. As a result of compliance with the standards set forth in CPC 47 (Revenue from Contracts with Customers), specifically regarding the trading modality, Bemobi's management understands that recording the revenue and costs related to operations of this nature can create significant distortions in the way the Group's results are interpreted. In this regard, in order to make the results achieved among the various companies that currently make up the Bemobi Group comparable to each other, it became necessary to harmonize the financial statements, with the form used by Bemobi in its latest earnings releases prevailing here. Thus, the information on Net Revenue, Cost of Services Rendered, Adjusted Gross Profit, Adjusted EBITDA, and Adjusted Net Income used and presented exclusively in this Earnings Release has been adjusted and shown in the M4U Harmonization group, helping investors to better understand the results obtained, thereby giving them better conditions to prepare their assumptions and projections of the Company's performance. 2Q26 Quarterly Results 18
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ANNEX V — RECONCILIATION OF ADJUSTED NET INCOME ANNEX VI — PAYTIME OPERATING RESULTS 2Q26 Quarterly Results 20
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DISCLAIMER The information contained and analyzed in this document is derived from our consolidated financial statements for the periods ended June 30, 2025 and 2026, prepared in accordance with accounting practices adopted in Brazil — including the Pronouncements, Interpretations, and Guidelines of the CPC — and with the international IFRS standards (IFRS Accounting Standards) issued by the IASB, including the IFRIC and SIC interpretations, approved by the CVM and the CFC, with mandatory application for the periods presented. It's worth noting that in 2021 the Company acquired M4U and, as a result of complying with the provisions of CPC 47/IFRS15 (Revenue from Contracts with Customers), specifically regarding the modality of resale of goods and provision of services (trading activity), Bemobi's management understands that it acts as the principal. Therefore, for accounting purposes, the revenue and costs of this operation are recorded at their total values. Knowing that it is of interest to analysts and investors to analyze this operation by its net contribution to the Company's margins, as well as to make the results achieved by the various companies that make up the Bemobi Group comparable, management carried out the harmonization of financial statements and account balances for disclosure purposes in this document. Consequently, the net effects of revenue and costs from M4U's trading activity are reported, showing in the result only the margin effect that is rightfully the entity's for providing this service. More details on the reconciliation of revenue and costs can be found in Annex IV of this document. Finally, restructuring and acquisition-related expenses, as well as provisions linked to the ILP program, were classified as share-based compensation and M&A expenses in this report, as they are not considered by management to reflect the Company's usual operating activities. Thus, to assist investors in preparing their assumptions and projections about Bemobi's performance and to maintain the comparability of results, the information on Net Revenue, Cost of Services Rendered, Adjusted Gross Profit, Administrative Expenses, EBITDA, Net Income, and Operating Cash Conversion presented exclusively in this Earnings Release has been adjusted. More details can be found in Annex IV of this document. Finally, it is important to note that any comments in this document regarding Bemobi's business outlook represent the beliefs and assumptions of the Company's Management, as well as information currently available. They involve risks and uncertainties, as they relate to future events and depend on circumstances that may or may not occur. Investors should understand that general economic, industry, and other operating factors may affect Bemobi's future performance. 2Q26 Quarterly Results 21
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