Bemobi (BMOB3) closed the second quarter of 2026 with growth across every front and a decisive strategic step: consolidating its new positioning as a payments company specialized in recurring services.
The company moved from being a company with payments in its portfolio to a payments company — one that turns the bill payment journey into a competitive advantage for its clients. In the quarter, net revenue reached R$ 227.3 million, up 30% year over year, or 36% on an FX-neutral basis (FXN), in the tenth consecutive quarter of growth.
From a company with payments to a payments company
Over the five years since its IPO, in February 2021, Bemobi has undergone a deep transformation. Today, around 70% of revenue comes from the combination of payments and SaaS — verticals that barely existed five years ago. It is this evolution that underpins the new positioning: a specialized company that turns payments into a competitive differentiator.
"This quarter's results reinforce the consistency of the transformation we have led since the IPO, in February 2021. Today, we make payments a competitive advantage for our clients, combining regulated payment rails, financial solutions, artificial intelligence, software, and sectoral specialization to expand conversion, collection, and operational efficiency. Organic growth, margin expansion, the arrival of relevant new partners, and entry into new markets demonstrate the solidity of our strategy and the wide runway for growth still ahead of us."
— Pedro Ripper, co-founder and CEO of Bemobi
Four differentiators that sustain growth
Bemobi's positioning rests on four differentiators:
Sector specialization: deep knowledge of recurring services industries, driving the digitalization of sectors such as telecom, electric utilities, education, and healthcare, as well as ecosystems and marketplaces.
Intelligent payments: orchestration and omnichannel checkout that accept every payment method and recurrence, simplifying billing for both those who charge and those who pay, and expanding conversion and collection.
Complete journey: far beyond integration, an optimized end-to-end experience — from the bill that arrives to the service unlocked, with capture, approval, retries, real-time settlement, and reconciliation integrated into the backoffice.
AI-native platform: artificial intelligence embedded in the platform and ready for the era of agents. Payments learn with every transaction, increasing prediction, conversion, and revenue recovery.
A new sector and new clients
In Q2 2026, Bemobi expanded its presence in the sectors where it already operated and entered a new one. In education, it won Vitru and FMU. In utilities, Aegea, one of the country's largest water and sanitation companies, came on board to reinforce Bemobi's specialization in the sector, which now brings together the two largest privately operated water companies in Brazil, alongside Sabesp. In healthcare, Qualicorp, one of the country's leading benefits administrators, consolidated the vertical. And with APSA, the company entered the condominium management sector, which moves more than R$ 190 billion a year. With these moves, Bemobi now serves 16 of the 20 largest privately held recurring services companies in Brazil.
More ways to pay a single bill
Product innovation defined the quarter. Bemobi launched payment method combination, which makes it possible to settle a single bill with two or more payment methods in one transaction — eliminating recurring failures caused by insufficient funds or spending limits and recovering charges that would previously have been lost. It is a capability that global gateways do not offer in Brazil, and it translates into more conversion and collection.
Along the same lines, the partnership with Livelo now allows loyalty points to be used as a payment method for recurring bills, natively within Smart Checkout, with no redirect — a new lever for conversion and retention for companies.
Q2 2026 financial highlights
Net revenue: R$ 227.3 million (+36% YoY, FXN basis)
Adjusted EBITDA: R$ 79.4 million (+33% YoY)
Adjusted EBITDA − Capex: R$ 64.8 million (+44% YoY)
Adjusted net income: R$ 45.2 million (+30% YoY)
Payments Highlights
Payments + SaaS: 70% of net revenue
Payments revenue: +75% YoY (49.3% of net revenue)
TPV: R$ 3.9 billion (+54% YoY)
Financial information refers to Q2 2026 and summarizes the earnings release filed with the CVM (Brazil's securities and exchange commission). Complete and official materials are available at ri.bemobi.com.br.
Turning payments into competitive advantage
More than one quarter's numbers, Q2 2026 confirms a thesis: the digitalization of payment journeys in recurring services is still only beginning.
"We continue to expand in order to serve a transformation that is still in its early stages: the complete digitalization of payment journeys in recurring sectors and ecosystems."
— Pedro Ripper, co-founder and CEO of Bemobi
Frequently asked questions
How much did Bemobi grow in Q2 2026? Net revenue grew 30% year over year, to R$ 227.3 million, or 36% on an FX-neutral basis (FXN).
What are Bemobi's four differentiators? Sector specialization, intelligent payments, complete journey, and AI-native platform.
Which clients did Bemobi win in Q2 2026? Vitru and FMU (higher education), Aegea (water and sanitation), and Qualicorp (healthcare), plus its entry into condominium management with APSA.
What is payment method combination? A feature that lets a single bill be paid with two or more payment methods in one transaction, reducing failures caused by insufficient funds or spending limits.
What is Bemobi's AI-native platform? A platform where artificial intelligence is part of the payment processing architecture; each transaction feeds the models, making the solution smarter and more efficient over time.
Financial information refers to Q2 2026 and summarizes the earnings release filed with the CVM (Brazil's securities and exchange commission). Complete and official materials are available at ri.bemobi.com.br. The CEO's statements were translated from the original Portuguese.
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