Overview Dividends

(PAGS) PagSeguro Digital - Ratings and Ratios

Exchange: NYSE • Country: Brazil • Currency: USD • Type: Common Stock • ISIN: KYG687071012

Digital Payments Mobile Point Of Sale Ecommerce Financial Services

PAGS EPS (Earnings per Share)

EPS Growth (3Y CAGR): -55.54%
EPS Trend (3Y Correlation): -15.2%

PAGS Revenue

Revenue Growth (3Y CAGR): 7.69%
Revenue Trend (3Y Correlation): 74.7%

Description: PAGS PagSeguro Digital August 09, 2025

PagSeguro Digital Ltd (NYSE:PAGS) is a Brazilian company operating in the Data Processing & Outsourced Services sub-industry, providing payment processing and financial services. The companys market capitalization stands at approximately $2.44 billion USD.

Key performance indicators (KPIs) to monitor for PAGS include revenue growth, net income margin, and return on equity (RoE), which currently stands at 14.79%. The companys forward price-to-earnings (P/E) ratio is 5.88, suggesting potential for future earnings growth.

Economic drivers influencing PAGS performance include the growth of digital payments in Brazil, the adoption of fintech solutions, and the overall economic conditions in the region. The companys ability to expand its customer base, increase transaction volumes, and diversify its revenue streams will be crucial in driving future growth.

To evaluate PAGS stock performance, its essential to analyze its price action in relation to its moving averages. The stocks current price is near its 20-day simple moving average (SMA20), indicating potential support. Additionally, the average true range (ATR) suggests a relatively stable volatility profile.

Investors should also consider the companys competitive position within the Brazilian fintech landscape, its ability to innovate and adapt to changing market conditions, and its capacity to manage risks associated with regulatory changes and economic fluctuations.

PAGS Stock Overview

Market Cap in USD	2,796m
Sub-Industry	Data Processing & Outsourced Services
IPO / Inception	2018-01-24

PAGS Stock Ratings

Growth Rating	-1.16%
Fundamental	60.1%
Dividend Rating	2.48%
Return 12m vs S&P 500	-1.67%
Analyst Rating	3.88 of 5

PAGS Dividends

Dividend Yield 12m	4.08%
Yield on Cost 5y	0.90%
Annual Growth 5y	-5.01%
Payout Consistency	100.0%
Payout Ratio	5.1%

PAGS Growth Ratios

Growth Correlation 3m	45.1%
Growth Correlation 12m	79.9%
Growth Correlation 5y	-78.4%
CAGR 5y	-9.39%
CAGR/Max DD 3y (Calmar Ratio)	-0.16
CAGR/Mean DD 3y (Pain Ratio)	-0.30
Sharpe Ratio 12m	-0.61
Alpha	-8.45
Beta	1.571
Volatility	44.81%
Current Volume	2414.3k
Average Volume 20d	4005.9k
Stop Loss	8.9 (-4.4%)
Signal	0.12

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (2.19b TTM) > 0 and > 6% of Revenue (6% = 1.16b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 2.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 95.80% (prev 114.5%; Δ -18.74pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.03 (>3.0%) and CFO 2.16b <= Net Income 2.19b (YES >=105%, WARN >=100%)

Net Debt (39.50b) to EBITDA (8.31b) ratio: 4.76 <= 3.0 (WARN <= 3.5)

Current Ratio 1.42 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (300.7m) change vs 12m ago -6.54% (target <= -2.0% for YES)

Gross Margin 49.19% (prev 47.93%; Δ 1.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 28.05% (prev 25.36%; Δ 2.69pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.59 (EBITDA TTM 8.31b / Interest Expense TTM 4.13b) >= 6 (WARN >= 3)

Altman Z'' 3.12

(A) 0.26 = (Total Current Assets 62.21b - Total Current Liabilities 43.72b) / Total Assets 71.19b

(B) 0.15 = Retained Earnings (Balance) 10.64b / Total Assets 71.19b

(D) 0.27 = Book Value of Equity 15.30b / Total Liabilities 56.61b

Total Rating: 3.12 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.08

1. Piotroski 3.50pt = -1.50

2. FCF Yield 0.91% = 0.46

3. FCF Margin 2.55% = 0.64

4. Debt/Equity 2.79 = -0.45

5. Debt/Ebitda 4.76 = -2.50

6. ROIC - WACC (= 5.87)% = 7.34

7. RoE 14.95% = 1.25

8. Rev. Trend 74.74% = 5.61

9. EPS Trend -15.25% = -0.76

What is the price of PAGS shares?

As of November 06, 2025, the stock is trading at USD 9.31 with a total of 2,414,265 shares traded.
Over the past week, the price has changed by -3.82%, over one month by +1.20%, over three months by +17.74% and over the past year by +17.94%.

Is PagSeguro Digital a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, PagSeguro Digital is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.08 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PAGS is around 9.43 USD . This means that PAGS is currently overvalued and has a potential downside of 1.29%.

Is PAGS a buy, sell or hold?

PagSeguro Digital has received a consensus analysts rating of 3.88. Therefore, it is recommended to buy PAGS.

Strong Buy: 7
Buy: 3
Hold: 6
Sell: 0
Strong Sell: 1

What are the forecasts/targets for the PAGS price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	11.4	22.1%
Analysts Target Price	11.4	22.1%
ValueRay Target Price	10.2	9.1%

PAGS Fundamental Data Overview October 27, 2025

Market Cap BRL = 14.98b (2.80b USD * 5.3572 USD.BRL)
P/E Trailing = 7.313
P/E Forward = 6.1728
P/S = 0.1448
P/B = 1.0205
Beta = 1.571
Revenue TTM = 19.31b BRL
EBIT TTM = 6.59b BRL
EBITDA TTM = 8.31b BRL
Long Term Debt = 8.96b BRL (from longTermDebt, last quarter)
Short Term Debt = 31.66b BRL (from shortTermDebt, last quarter)
Debt = 40.62b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 39.50b BRL (from netDebt column, last quarter)
Enterprise Value = 54.03b BRL (14.98b + Debt 40.62b - CCE 1.58b)
Interest Coverage Ratio = 1.59 (Ebit TTM 6.59b / Interest Expense TTM 4.13b)
FCF Yield = 0.91% (FCF TTM 492.4m / Enterprise Value 54.03b)
FCF Margin = 2.55% (FCF TTM 492.4m / Revenue TTM 19.31b)
Net Margin = 11.35% (Net Income TTM 2.19b / Revenue TTM 19.31b)
Gross Margin = 49.19% ((Revenue TTM 19.31b - Cost of Revenue TTM 9.81b) / Revenue TTM)
Gross Margin QoQ = 50.71% (prev 49.90%)
Tobins Q-Ratio = 0.76 (Enterprise Value 54.03b / Total Assets 71.19b)
Interest Expense / Debt = 2.52% (Interest Expense 1.03b / Debt 40.62b)
Taxrate = 12.90% (79.5m / 616.2m)
NOPAT = 5.74b (EBIT 6.59b * (1 - 12.90%))
Current Ratio = 1.42 (Total Current Assets 62.21b / Total Current Liabilities 43.72b)
Debt / Equity = 2.79 (Debt 40.62b / totalStockholderEquity, last quarter 14.58b)
Debt / EBITDA = 4.76 (Net Debt 39.50b / EBITDA 8.31b)
Debt / FCF = 80.21 (Net Debt 39.50b / FCF TTM 492.4m)
Total Stockholder Equity = 14.66b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.08% (Net Income 2.19b / Total Assets 71.19b)
RoE = 14.95% (Net Income TTM 2.19b / Total Stockholder Equity 14.66b)
RoCE = 27.88% (EBIT 6.59b / Capital Employed (Equity 14.66b + L.T.Debt 8.96b))
RoIC = 10.66% (NOPAT 5.74b / Invested Capital 53.83b)
WACC = 4.79% (E(14.98b)/V(55.60b) * Re(11.80%) + D(40.62b)/V(55.60b) * Rd(2.52%) * (1-Tc(0.13)))
Discount Rate = 11.80% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.92%
[DCF Debug] Terminal Value 55.61% ; FCFE base≈492.4m ; Y1≈323.3m ; Y5≈147.8m
Fair Price DCF = 10.39 (DCF Value 1.78b / Shares Outstanding 171.4m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -15.25 | EPS CAGR: -55.54% | SUE: -4.0 | # QB: 0
Revenue Correlation: 74.74 | Revenue CAGR: 7.69% | SUE: -0.12 | # QB: 0

Additional Sources for PAGS Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle