PagBank Reports BRL 571 Million Profit as Net Revenue and Loans Climb in Q3 2025
Solid Growth in Net Revenue and Loans Despite Economic Headwinds
In the third quarter of 2025, PagBank (NYSE: PAGS) demonstrated strong financial resilience, reporting a recurrent profit of BRL 571 million. Despite navigating a challenging economic backdrop with high interest rates, the digital bank recorded a 14.4% year-over-year jump in net revenue to BRL 3.4 billion. Even more striking, the bank's loan portfolio soared 29.9% from the prior year to BRL 4.2 billion, underlining PagBank's focus on supporting business growth and broadening access to credit for small and medium-sized enterprises (SMEs).
Key Metrics Highlight Robust Momentum and Capital Strength
PagBank’s growth wasn't limited to its lending operations. Deposits climbed to BRL 39.4 billion, marking a 15.3% increase year-over-year and a 6.1% gain quarter-over-quarter. This momentum was supported by a strengthened distribution of CDBs (Bank Deposit Certificates) and recognition from leading international credit rating agencies. With a user base now at 33.7 million (up 1.6 million in the quarter), PagBank’s platform is extending its reach even further across Brazil’s digital finance landscape.
| Metric | Q3 2025 Value | Year-over-Year Change | Quarter-over-Quarter Change |
|---|---|---|---|
| Recurrent Profit | BRL 571 million | - | - |
| Net Revenue | BRL 3.4 billion | +14.4% | - |
| Deposits | BRL 39.4 billion | +15.3% | +6.1% |
| Loan Portfolio | BRL 4.2 billion | +29.9% | +7.2% |
| SME Working Capital Loans | - | +116% | - |
| Active Clients | 33.7 million | - | +1.6 million |
Operational Efficiency and Dividend Commitment Stand Out
Operational efficiency was a standout, as PagBank further optimized its capital structure and emphasized higher-margin products. Over the last twelve months, the bank returned over BRL 2 billion to shareholders through dividends and share repurchases—highlighting both robust profitability and shareholder-friendly capital management.
Leadership Transition Signals Continued Strategic Focus
Looking ahead, PagBank announced changes in its senior leadership. From January 2026, COO Carlos Mauad will assume the CEO position, while Gustavo Sechin will step in as CFO. Outgoing executives Alexandre Magnani and Artur Schunk will move to the Board of Directors, supporting the transition. These changes are intended to drive the bank's next phase of growth and reflect the maturity of its business model.
Takeaway: Resilient Performance Positions PagBank for the Future
Despite macroeconomic uncertainty and elevated interest rates, PagBank’s strong third-quarter results reflect the company's ability to grow its customer base, enhance operational performance, and generate returns for shareholders. Its focus on digital innovation, expanding loan services—especially to SMEs—and smooth executive succession underscore a commitment to sustainable, scalable financial solutions. Investors and observers may want to watch how PagBank leverages its capital base and technology platform for further expansion in Brazil’s evolving financial landscape.
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