(PAGS) PagSeguro Digital - Overview

Sector: Technology | Industry: Software - Infrastructure | Exchange: NYSE (USA) | Market Cap: 2.890m USD | Total Return: 39.8% in 12m

Digital Banking, Payment Solutions, Cards, Credit Products, Insurance
Total Rating 54
Safety 86
Buy Signal -0.56
Software - Infrastructure
Industry Rotation: -27.5
Market Cap: 2.89B
Avg Turnover: 30.7M USD
ATR: 4.64%
Peers RS (IBD): 81.3
Risk 5d forecast
Volatility45.5%
Rel. Tail Risk-5.41%
Reward TTM
Sharpe Ratio0.76
Alpha2.82
Character TTM
Beta1.194
Beta Downside0.704
Drawdowns 3y
Max DD57.60%
CAGR/Max DD0.12
EPS (Earnings per Share) EPS (Earnings per Share) of PAGS over the last years for every Quarter: "2021-03": 0.99, "2021-06": 1.04, "2021-09": 1.26, "2021-12": 1.28, "2022-03": 1.12, "2022-06": 1.2, "2022-09": 1.25, "2022-12": 1.24, "2023-03": 1.19, "2023-06": 1.28, "2023-09": 1.36, "2023-12": 1.63, "2024-03": 1.63, "2024-06": 0.2998, "2024-09": 1.78, "2024-12": 2.01, "2025-03": 1.72, "2025-06": 1.88, "2025-09": 1.94, "2025-12": 2.33, "2026-03": 0,
EPS CAGR: -44.39%
EPS Trend: 3.2%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of PAGS over the last years for every Quarter: 2021-03: 2041.953, 2021-06: 2334.738, 2021-09: 2729.904, 2021-12: 2059.5, 2022-03: 3385.378, 2022-06: 3865.788, 2022-09: 3989.301, 2022-12: 2304.057, 2023-03: 3685.218, 2023-06: 3760.983, 2023-09: 3960.561, 2023-12: 4274, 2024-03: 4201.346, 2024-06: 4425.05, 2024-09: 4704.654, 2024-12: 5002.662, 2025-03: 4711.216, 2025-06: 4890.926, 2025-09: 4915.847, 2025-12: 5304.72528, 2026-03: null,
Rev. CAGR: 12.72%
Rev. Trend: 75.9%
Last SUE: -0.22
Qual. Beats: 0

Warnings

Choppy

Tailwinds

No distinct edge detected

Description: PAGS PagSeguro Digital

PagSeguro Digital Ltd. (PAGS) offers financial and payment solutions in Brazil and globally. Its target market includes consumers, individual entrepreneurs, micro-merchants, and small to medium-sized businesses. The company operates in the financial technology sector, which has seen significant growth in emerging markets due to increasing digital adoption.

PAGSs services encompass digital banking (deposits, transfers, bill payments), various card types (debit, credit, prepaid), and credit products (payroll loans, working capital). Diversification into credit products is common for fintechs seeking to expand revenue streams beyond transaction fees.

The company also provides insurance services (e.g., account, health, life insurance) and investment services (advisory, brokerage, fund management). Additionally, PAGS operates Shopping PagBank, an e-commerce marketplace, and offers software solutions like PagVendas for POS management and PlugPag for wireless POS connectivity. The integration of software solutions enhances merchant loyalty and operational efficiency.

For a deeper dive into PAGSs financial performance and market position, ValueRay offers comprehensive analysis.

Headlines to Watch Out For
  • Brazilian economic stability impacts consumer spending and small business growth
  • Competition from established banks and fintechs compresses margins
  • Regulatory changes in Brazilian financial sector create compliance costs
  • Credit portfolio performance directly affects profitability
  • Digital banking adoption rate drives new customer acquisition
Piotroski VR‑10 (Strict) 4.5
Net Income: 2.13b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 8.38 > 1.0
NWC/Revenue: 86.47% < 20% (prev 119.3%; Δ -32.85% < -1%)
CFO/TA 0.04 > 3% & CFO 2.64b > Net Income 2.13b
Net Debt (42.48b) to EBITDA (9.32b): 4.56 < 3
Current Ratio: 1.36 > 1.5 & < 3
Outstanding Shares: last quarter (290.2m) vs 12m ago -7.54% < -2%
Gross Margin: 50.82% > 18% (prev 0.48%; Δ 5.03k% > 0.5%)
Asset Turnover: 26.92% > 50% (prev 25.15%; Δ 1.77% > 0%)
Interest Coverage Ratio: 1.50 > 6 (EBITDA TTM 9.32b / Interest Expense TTM 5.00b)
Altman Z'' 2.97
A: 0.23 (Total Current Assets 64.90b - Total Current Liabilities 47.76b) / Total Assets 74.37b
B: 0.15 (Retained Earnings 11.32b / Total Assets 74.37b)
C: 0.10 (EBIT TTM 7.50b / Avg Total Assets 73.64b)
D: 0.27 (Book Value of Equity 15.96b / Total Liabilities 59.74b)
Altman-Z'' Score: 2.97 = A
Beneish M -2.97
DSRI: 0.93 (Receivables 58.18b/57.64b, Revenue 19.82b/18.33b)
GMI: 0.94 (GM 50.82% / 47.95%)
AQI: 1.19 (AQ_t 0.09 / AQ_t-1 0.08)
SGI: 1.08 (Revenue 19.82b / 18.33b)
TATA: -0.01 (NI 2.13b - CFO 2.64b) / TA 74.37b)
Beneish M-Score: -2.97 (Cap -4..+1) = A
What is the price of PAGS shares? As of April 12, 2026, the stock is trading at USD 10.67 with a total of 4,442,266 shares traded.
Over the past week, the price has changed by +0.38%, over one month by +5.43%, over three months by +3.35% and over the past year by +39.78%.
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.
  • StrongBuy: 7
  • Buy: 3
  • Hold: 6
  • Sell: 0
  • StrongSell: 1
What are the forecasts/targets for the PAGS price?
Analysts Target Price 12.6 18.3%
PagSeguro Digital (PAGS) - Fundamental Data Overview as of 07 April 2026
P/E Trailing = 7.5474
P/E Forward = 6.1958
P/S = 0.1464
P/B = 1.0258
Revenue TTM = 19.82b USD
EBIT TTM = 7.50b USD
EBITDA TTM = 9.32b USD
Long Term Debt = 9.20b USD (from longTermDebt, two quarters ago)
Short Term Debt = 34.80b USD (from shortTermDebt, last quarter)
Debt = 44.34b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 42.48b USD (from netDebt column, last quarter)
Enterprise Value = 40.51b USD (2.89b + Debt 44.34b - CCE 6.72b)
Interest Coverage Ratio = 1.50 (Ebit TTM 7.50b / Interest Expense TTM 5.00b)
EV/FCF = 57.25x (Enterprise Value 40.51b / FCF TTM 707.6m)
FCF Yield = 1.75% (FCF TTM 707.6m / Enterprise Value 40.51b)
FCF Margin = 3.57% (FCF TTM 707.6m / Revenue TTM 19.82b)
Net Margin = 10.73% (Net Income TTM 2.13b / Revenue TTM 19.82b)
Gross Margin = 50.82% ((Revenue TTM 19.82b - Cost of Revenue TTM 9.75b) / Revenue TTM)
Gross Margin QoQ = 51.33% (prev 51.27%)
Tobins Q-Ratio = 0.54 (Enterprise Value 40.51b / Total Assets 74.37b)
Interest Expense / Debt = 3.15% (Interest Expense 1.40b / Debt 44.34b)
Taxrate = 29.97% (218.1m / 727.7m)
NOPAT = 5.25b (EBIT 7.50b * (1 - 29.97%))
Current Ratio = 1.36 (Total Current Assets 64.90b / Total Current Liabilities 47.76b)
Debt / Equity = 3.03 (Debt 44.34b / totalStockholderEquity, last quarter 14.63b)
Debt / EBITDA = 4.56 (Net Debt 42.48b / EBITDA 9.32b)
Debt / FCF = 60.03 (Net Debt 42.48b / FCF TTM 707.6m)
Total Stockholder Equity = 14.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.89% (Net Income 2.13b / Total Assets 74.37b)
RoE = 14.40% (Net Income TTM 2.13b / Total Stockholder Equity 14.76b)
RoCE = 31.30% (EBIT 7.50b / Capital Employed (Equity 14.76b + L.T.Debt 9.20b))
RoIC = 9.54% (NOPAT 5.25b / Invested Capital 55.05b)
WACC = 2.70% (E(2.89b)/V(47.23b) * Re(10.18%) + D(44.34b)/V(47.23b) * Rd(3.15%) * (1-Tc(0.30)))
Discount Rate = 10.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.63%
[DCF] Terminal Value 80.82% ; FCFF base≈707.6m ; Y1≈464.6m ; Y5≈212.5m
 [DCF] Fair Price = N/A (negative equity: EV 6.74b - Net Debt 42.48b = -35.74b; debt exceeds intrinsic value)
 EPS Correlation: 3.19 | EPS CAGR: -44.39% | SUE: -4.0 | # QB: 0
Revenue Correlation: 75.91 | Revenue CAGR: 12.72% | SUE: -0.22 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.08 | Chg7d=-0.012 | Chg30d=-0.152 | Revisions Net=+0 | Analysts=6
EPS current Year (2026-12-31): EPS=8.74 | Chg7d=-0.003 | Chg30d=+0.147 | Revisions Net=+0 | Growth EPS=+9.9% | Growth Revenue=+5.3%
EPS next Year (2027-12-31): EPS=9.73 | Chg7d=+0.005 | Chg30d=+0.108 | Revisions Net=-2 | Growth EPS=+11.4% | Growth Revenue=+4.5%
[Analyst] Revisions Ratio: +0.00 (2 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -3.1% (Discount Rate 10.2% - Earnings Yield 13.2%)
[Growth] Growth Spread = +7.2% (Analyst 4.2% - Implied -3.1%)
External Resources
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