PICS · PicS N.V.

PicS N.V. filed Amendment No. 1 to its Form 6-K solely to correct the presentation of overdue consumer loan amounts in Note 8.2.2 of the unaudited interim financial statements. The original filing presented the overdue portfolio by maturity date; the amendment reclassifies it by delinquency range. No financial statement totals or other disclosures are affected.

The filing also contains the company's full unaudited consolidated financial statements for the three months ended March 31, 2026. Revenue from transaction activities and other services grew 37.7% to R$552.7 million, while financial income surged 78% to R$2.96 billion, driven by a larger consumer loan portfolio and higher interest rates. Total revenue and financial income reached R$3.51 billion, up 70% year-over-year. Profit before income taxes tripled to R$221.7 million, and net profit attributable to shareholders rose to R$151.4 million from R$75.0 million. Basic EPS was R$1.24 compared to R$375 in the prior-year period (the prior-year figure reflects a different share count pre-IPO).

Consumer loans, net of allowance, grew to R$24.1 billion from R$20.9 billion at year-end 2025. The credit loss allowance increased to R$3.89 billion, reflecting portfolio growth and higher expected losses. The company completed its IPO on NASDAQ in January 2026, raising R$2.04 billion, which strengthened equity to R$6.08 billion. Regulatory capital ratios improved significantly: Common Equity Tier I ratio reached 14.73% (from 9.25%) and total capital ratio rose to 16.90% (from 11.74%).