Bemobi (BMOB3) Posts Adjusted Net Income of R$ 51 Million in 3Q26

Net revenue totals R$ 245.3 million, up 31%; interest on equity (JCP) of R$ 0.19 per share to be paid on Nov. 30

Editorial Team Visno InvestPublished 11/12/2026 19:17Updated 11/12/2026 19:23

BMOB3BemobiR$ 25.87as of 11/11/2026Price, ratios and dividends

Bemobi (BMOB3) posted adjusted net income of R$ 51.0 million in 3Q26, up 20% from 3Q25, when it totaled R$ 42.5 million. The result stems from a 50% increase in adjusted operating income, partially offset by a lower financial result due to a smaller net cash position. The adjusted net margin declined 1.9 p.p., to 20.8%.

Adjusted net revenue was R$ 245.3 million, an increase of 31% compared with R$ 187.5 million in 3Q25, or 32% excluding the effect of foreign exchange variation. Excluding Paytime, consolidated since 1Q26, revenue grew 15%, to R$ 216.5 million. The company completed ten consecutive quarters of double-digit annual growth.

Adjusted EBITDA (earnings before interest, taxes, depreciation and amortization) totaled R$ 86.8 million, up 38%, with a margin of 35.4%, an expansion of 2.0 p.p. Excluding Paytime, EBITDA grew 27%, with a margin of 36.7%. Adjusted EBITDA less Capex (investments) reached R$ 69.9 million, up 47%, with a cash conversion of 80.6%. Adjusted gross profit was R$ 167.1 million, up 21%, with a margin of 68.1% versus 73.8% a year earlier. Reported net income was R$ 42.8 million, up 4%.

Payments and SaaS led the growth: payments revenue rose 73% (34% organically) and SaaS revenue rose 14%. Together, the two verticals accounted for 70.4% of revenue. Total payment volume (TPV) grew 58%, to R$ 4.6 billion, with organic growth of 41%. Cash at the end of the quarter was R$ 319 million.

The company announced JCP (Interest on Equity) of R$ 16 million gross (R$ 13.2 million net), or R$ 0.19 per share (R$ 0.15822091 net). Shareholders of record at the close of November 17 are entitled to the payout. BMOB3 shares will trade ex-JCP on November 18, and payment will occur on November 30, with 17.5% income tax withheld at source, except for exempt or immune shareholders. The amount will be credited toward the 2026 mandatory dividend. As a result, shareholder remuneration in 2026 totals R$ 76 million, including R$ 44 million in share buybacks.