Capital DistributionExcess capital of R$2-3bn will be returned to shareholders through cash dividends and share buybacks, yielding a 17% return.
Credit GrowthThe loan book is expected to grow sixfold by expanding the working capital product to SMBs and launching new consumer products like private payroll loans and Pix financing.
Earnings GrowthManagement expects to deliver gross profit CAGR of at least 10% and EPS CAGR of at least 16%, which is in line with past growth rates, indicating strong future performance.