Symbols

PICS

PicS·NASDAQ

--(--)

PICS fundamentals

PICS Q4 2025 Earnings

PicS (PICS) released its earnings on Mar 19, 2026: revenue was 557.31M (YoY --), beat estimates; EPS was 0.2187 (YoY --), missed estimates.

Revenue / YoY

557.31M

EPS / YoY

0.2187

Report date

Mar 19, 2026

PICS Earnings Call Summary for Q4,2025

Record Growth: Q4 2025 net revenues rose 69% YoY to BRL 3 billion, with adjusted net income up 136% to BRL 180 million.
Credit Expansion: Total credit portfolio hit BRL 24 billion (128% YoY), driven by 116% YoY growth in personal loans and 50% YoY in PicPay Card TPV.
Efficiency Leap: ROE jumped to 24.4%, efficiency ratio fell below 50%, and ARPAC rose 52% to BRL 71.
Strategic Wins: Launch of Epic for affluent clients, 9 million active insurance policies, and 80%+ private payroll loan origination via in-app channels.
Sustainability: 3.5%-3.7% cost of risk guidance for 2026, with 44% YoY deposit growth supporting credit expansion.

Earnings

EPS

Revenue

Revenue & Expenses

PICS has released its 2025 Q3 earnings report, with revenue of 81.40M, reflecting a YoY change of 18.15%, and net profit of 19.79M, showing a YoY change of -2.08%. The Sankey diagram below clearly presents PICS's revenue sources and cost distribution.

Key Indicators

PicS (PICS) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

PicS (PICS)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Breakdown

Balance Sheet

PicS (PICS)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

PicS (PICS)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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Breakdown