Slides
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EARNINGS VIDEO CONFERENCE 3Q26 Dennis Herszkowicz - CEO Gilsomar Maia - CFO Sergio Serio - IR Head November/2026
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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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AHEAD OF THE CURVE Universo TOTVS and Investor Day reinforced TOTVS' pioneering role in anticipating trends and structuring enterprise Artificial Intelligence. ANTICIPA TING TRENDS 3 Two years ago, we outlined an AI vision, defining our role and the execution steps to bring it to life 3Q26 - INICIAL MESSAGE ❏ Master the application environment ❏ Expand Functional Expertise ❏ Orchestrate applications ❏ Develop agent-building capabilities ❏ Create the T aaS Model AI ADOPTION IN COMPANIES UPCOMING RELEASES IMPACTING RESUL TS The level of AI adoption in companies has grown at an accelerated pace, although it remains incipient L YNN New Interas IaaS T aaS Corporate Consumption Profile: ❖ ~50% is to Coding ❖ ~20% is to customer support ❖ Remainder is split between research and chatbots
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3Q26 - ANNUAL RECURRING REVENUE (ARR) AND NET REVENUE Delivering R$2 billion in 3Q26 and 31 consecutive quarters of Net Revenue double-digit expansion, TOTVS demonstrates the strength of its predictable and steadily advancing revenue engine ARR NET ADDITION (R$ million) 4 NET REVENUE (R$ million) Sequential acceleration +5 p.p y /y Of Cloud Revenue (3Q26 vs 2Q26) Cloud
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3Q26 - EBITDA AND NET INCOME Surpassing half a billion Reais in EBITDA with 17% growth, TOTVS reaches a historic profitability milestone ADJUSTED EBITDA (R$ million) 25.3% +80bps y/y -10bps q/q EBITDA Margin 5 Growth of 11% y /y EPS (L TM) R$237 million -8.8% y /y -1.4% q/q ADJUSTED NET INCOME R$305 million +16% y /y-3.5% q/q NOPLA T 1.6x vs 1.5x in 2Q26 (+ 7 . 1% q/q) Net Debt/EBITDA (L TM)
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3Q26 - TECHFIN T echfin Pix TPV reaching R$ 3 billion (+28% y /y) driven throughout the entire ecosystem built by T echfin REVENUE R$3.0 bn TPV - Pix +28% y/y + 7 .4% q/q65. 1 days Average term -3.0% y/y +5.2% q/q Credit Production (R$ bn) Revenue Net of Funding 2.9% 3.2p.p. Below the Brazilian average¹ . With a 35% q/q decline in receivables overdue up to 30 days, even amidst tighter credit conditions Delinquency>90 dias ¹Source: Brazilian Central Bank (www.bcb.gov.br/estatisticas/estatisticasmonetariascredito) > tabelas.xls > T abela 23 > MPMe 6 R$1.4 million vs. -R$5.0 million 2Q26 EBITDA -R$0. 1 million vs. -R$3.3 million 2Q26 Net Result
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LOW customer concentration DIVERSIFICA TION across sectors FOCUS on SMBs Pricing power 3Q26 - FINAL MESSAGE APPLICA TION T ASKSENVIRONMENT T aaS IaaS PaaS ERP Finance Conversational Marketing CRM HR Financial, T ax & Accounting HXM CORTE N Corten is a steel three times more resistant to corrosion than ordinary steel It represents precisely what TOTVS is made of 7 Planning & Budgeting Segment Core TOTVS is an all-weather company or should that be stock?
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Thanks Investor Relations totvs.com @totvs /totvs /totvs @totvs company/totvs +55 (11) 99585-7887 ir@totvs.com.br