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Costs and Operating Expenses (Tables)
12 Months Ended
Dec. 31, 2024
Expenses by nature [abstract]  
Summary of Cost and Operating Expenses

 

2022

 

 

2023

 

 

2024

 

 

 

 

 

 

 

 

 

 

 

COSTS AND OPERATING EXPENSES

 

 

(550,018

)

 

 

(891,486

)

 

 

(1,249,867

)

Interest expenses

 

 

(278,676

)

 

 

(478,010

)

 

 

(616,116

)

Transaction expenses

 

 

(22,188

)

 

 

(27,470

)

 

 

(29,494

)

Cost of goods and services

 

 

(82,747

)

 

 

(166,356

)

 

 

(303,858

)

Technology & product development

 

 

(60,807

)

 

 

(88,657

)

 

 

(109,553

)

Sales & marketing

 

 

(25,618

)

 

 

(21,891

)

 

 

(43,990

)

General & administrative expenses

 

 

(24,772

)

 

 

(29,468

)

 

 

(32,899

)

Provision expenses (see Note 1,7)

 

 

(55,210

)

 

 

(79,634

)

 

 

(113,957

)

Summary of Employee Benefits, Depreciation and Amortization Expenses and Operating Lease Expenses

Employee benefits, depreciation and amortization expenses and operating lease expenses are presented as follows:

 

2022

 

2023

 

2024

 

Employee benefits

 

Depreciation & amortization

 

Operating
lease

 

Employee benefits

 

Depreciation & amortization

 

Operating lease

 

Employee benefits

 

Depreciation & amortization

 

Operating lease

 

Cost of goods
   and services

 

(20,408

)

 

(1,085

)

 

(1,040

)

 

(23,522

)

 

(237

)

 

(1,268

)

 

(29,114

)

-

 

 

(1,319

)

Technology &
   product
   development

 

(31,585

)

 

(12,860

)

 

(2,558

)

 

(43,344

)

 

(21,727

)

 

(3,899

)

 

(54,887

)

 

(24,769

)

 

(5,714

)

Sales &
   marketing

 

(1,176

)

 

-

 

 

(51

)

 

(2,024

)

 

-

 

 

(144

)

 

(2,947

)

-

 

 

(163

)

General &
   administrative
   expenses

 

(15,340

)

 

(2,849

)

 

(2,112

)

 

(17,436

)

 

(3,590

)

 

(471

)

 

(17,574

)

 

(4,065

)

 

(975

)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

(68,509

)

 

(16,794

)

 

(5,761

)

 

(86,326

)

 

(25,554

)

 

(5,782

)

 

(104,522

)

 

(28,834

)

 

(8,171

)

Summary of Share-Based Compensation Expense

The following table sets forth an analysis of share-based compensation expense by function for the periods indicated:

 

 

2022

 

 

2023

 

 

2024

 

 

 

 

 

 

 

 

 

 

 

SHARE-BASED COMPENSATION

 

 

(19,984

)

 

 

(20,859

)

 

 

(16,963

)

Cost of goods and services

 

 

(1,673

)

 

 

(1,747

)

 

 

(1,342

)

Technology & product development

 

 

(9,137

)

 

 

(10,410

)

 

 

(10,070

)

Sales & marketing

 

 

(653

)

 

 

(686

)

 

 

(542

)

General & administrative expenses

 

 

(8,521

)

 

 

(8,016

)

 

 

(5,009

)