v3.26.1
Segment information (Tables)
 12 Months Ended
Dec. 31, 2025
Disclosure of operating segments [abstract]  
Schedule of Segment Information
   Consumer
Banking		   Small and
Medium-Sized
Businesses		   Audiences
and
Ecosystem
Integration		   Institutional   Total
reportable
segments		 
Net revenue from transaction activities and other services   1,439,582    338,232    113,390    
   -
    1,891,204 
Financial income   8,913,787    77,617    4,846    1,172,749    10,168,999 
Total revenue and financial income   10,353,369    415,849    118,236    1,172,749    12,060,203 
                          
Transaction expenses   (605,530)   (82,967)   (1,536)   (1,194)   (691,227)
Interest and Other financial expenses   (3,947,955)   (173,642)   (111)   (1,160,067)   (5,281,775)
Credit loss allowance expenses   (2,528,281)   (262)   
-
    
-
    (2,528,543)
Adjusted gross profit   3,271,603    158,978    116,589    11,488    3,558,658 
   Consumer
Banking		   Small and
Medium-Sized
Businesses		   Audiences and
Ecosystem
Integration		   Institutional   Total
reportable
segments		 
Net revenue from transaction activities and other services   1,275,845    164,433    83,770    
-
    1,524,048 
Financial income   4,386,071    26,061    1,742    114,902    4,528,776 
Total revenue and financial income   5,661,916    190,494    85,512    114,902    6,052,824 
                          
Transaction expenses   (404,594)   (87,487)   (1,595)   
-
    (493,676)
Interest and Other financial expenses   (1,810,052)   (7,200)   
-
    (104,092)   (1,921,344)
Credit loss allowance expenses   (887,022)   (3)   
-
    
-
    (887,025)
Adjusted gross profit   2,560,248    95,804    83,917    10,810    2,750,779 
   Consumer
Banking		   Small and
Medium-Sized
Businesses		   Audiences and
Ecosystem
Integration		   Institutional   Total
reportable
segments		 
                     
Net revenue from transaction activities and other services   815,961    92,023    76,759    
-
    984,743 
Financial income   2,198,022    41,475    10,542    156,738    2,406,777 
Total revenue and financial income   3,013,983    133,498    87,301    156,738    3,391,520 
                          
Transaction expenses   (277,464)   (69,651)   (25,789)   
-
    (372,904)
Interest and Other financial expenses   (1,141,934)   
-
    
-
    (69,053)   (1,210,987)
Credit loss allowance expenses   (14,290)   
-
    
-
    
-
    (14,290)
Adjusted gross profit   1,580,295    63,847    61,512    87,685    1,793,339 
Schedule of Revenue and Financial Income Reconciliation
   December 31,
2025		 
Net revenue from transaction activities and other services   1,891,204 
Financial income   10,168,999 
Total reportable segments   12,060,203 
Inter-segment revenues, adjustments or reclassifications (1)   (1,782,379)
Total revenue and financial income   10,277,824 

 

(1)Represents eliminations of inter-segment revenue from funding transactions between the Consumer banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration and Institutional segments for R$ (1,782,379).
   December 31,
2024		 
Net revenue from transaction activities and other services   1,524,048 
Financial income   4,528,776 
Total reportable segments   6,052,824 
Inter-segment revenues, adjustments or reclassifications (1)   (482,680)
Total revenue and financial income   5,570,144 

 

(1)Represents eliminations of inter-segment revenue from transactions between the Consumer Banking and Institutional segments for R$ (482,680).
   December 31,
2023		 
     
Net revenue from transaction activities and other services   984,743 
Financial income   2,406,777 
Total reportable segments   3,391,520 
Inter-segment revenues, adjustments or reclassifications (1)   67,126 
Total revenue and financial income   3,458,646 

 

(1)Includes eliminations of inter-segment revenue from transactions between the Consumer Banking and Institutional segments of R$ (8,068) and unallocated revenue of R$ 75,194.
Schedule of Reconciliation from Segment Adjusted Gross profit to Profit Before Income Taxes
   December 31,
2025		 
Adjusted gross profit - Total reportable segments   3,558,658 
Expenses and income that are not part of adjusted gross profit:     
Technology expenses   (502,690)
Marketing expenses   (494,885)
Personnel expenses   (1,422,727)
Administrative expenses   (444,686)
Depreciation and amortization   (442,761)
Other expenses   (58,946)
Other income   125,376 
Profit before income taxes   317,339 
   December 31,
2024		 
Adjusted gross profit - Total reportable segments   2,750,779 
Expenses and income that are not part of adjusted gross profit:     
Technology expenses   (508,600)
Marketing expenses   (333,180)
Personnel expenses   (1,090,833)
Administrative expenses   (234,423)
Depreciation and amortization   (292,911)
Other expenses   (33,013)
Other income   88,153 
Profit before income taxes   345,972 
   December 31,
2023		 
     
Adjusted gross profit - Total reportable segments   1,793,339 
Expenses and income that are not part of adjusted gross profit:     
Technology expenses   (312,098)
Marketing expenses   (312,560)
Personnel expenses   (879,362)
Administrative expenses   (136,659)
Depreciation and amortization   (169,823)
Other expenses   (4,638)
Other income   23,468 
Profit before income taxes   1,667