Slides
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EARNINGS VIDEO CONFERENCE 3Q25 Dennis Herszkowicz - CEO Gilsomar Maia - CFO Sergio Serio - IR HEAD November/2025
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2 All information contained in this presentation and any statements that may be made during this video conference connected to TOTVS' business prospects, projections, and operating and financial goals are based on beliefs and assumptions of the Company's Management, as well as information currently available. Forward-looking statements are not any guarantee of performance. They involve risks, uncertainties and assumptions as they refer to future events and, hence, depend on circumstances that may or may not occur. Investors should understand that general economic conditions, industry conditions, and other operating factors may also affect the future results of TOTVS and may lead those results to differ materially from those mentioned in such forward-looking statements. LEGAL NOTICE
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3.3x increase in applied Limits. ~3x increase in the PIX¹ average ticket Delinquency ~67% below the market average. 3 The thesis and pillars of Techfin’s ERP Banking are now proven 3Q25 - CEO MESSAGE ¹PIX: The Brazilian instant payment system
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3Q25 - CONSOLIDATED 4 R$249 million +10% y/y +14% q/q Adjusted Net Income R$405 million +23% y/y +12% q/q Adjusted EBITDA 1.58 +35% y/y +2.5% q/q EPS LTM 26.0% +100 bp y/y +150 bp q/q EBITDA Margin ARR Net Addition R$220 million +27% y/y -23% q/q Net Revenue (R$ million) SaaS Management RD Station Other Management +23% y/y increase in Adjusted EBITDA with +20% y/y growth in Recurring Revenue
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3Q25 - MANAGEMENT 5 Net ARR Addition ADJUSTED EBITDA (R$ million) 27.6% EBITDA margin +110bp y/y +160bp q/q 21% y/y growth in Recurring Revenue and 23% y/y in Adjusted EBITDA, resulting in a +110bp y/y Margin expansion +91% Recurring Revenue +28% y/y SaaS ManagementR$5.7 bn +19% y/y +4.9% q/q % Volume excl. Corporate Model LTM Inorganic Addition SaaS Management Other Management ARR (R$ million) Net Revenue (R$ million) REVENUE
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3Q25 - RD STATION 6 ARR - Baseline 12.6% EBITDA Margin +20bp y/y +90bp q/q REVENUE +16% y/y +4% q/q R$610 million Retention Rate ARR (R$ million) Net Revenue (R$ million) 15% y/y growth in Recurring Revenue, with a strong recovery in Net ARR Addition, up 47% y/y. ADJUSTED EBITDA (R$ million)
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3Q25 - TECHFIN 7 15.8% Net Margin +390bp y/y +1370bp q/qR$2.3 bn TPV - Pix +32% y/y +10% q/q67.1 days Average term +4.7% y/y +11.3% q/q Credit Production (R$ billion) Revenue Net of Funding REVENUE NET INCOME (R$ million) 30% y/y growth in Revenue Net of Funding and 72% y/y in Adjusted Net Income
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Thanks Investors Relations totvs.com @totvs /totvs /totvs @totvs company/totvs +55 (11) 99585-7887 ir@totvs.com.br