(PAGS) PagSeguro Digital - NYSE
Sector: Technology | Industry: Software - Infrastructure | Exchange: NYSE (USA) | Market Cap: 2.504m USD | Total Return: 2.3% in 12m
Avg Turnover: 26.4M
EPS Trend: 85.9%
Qual. Beats: -1
Rev. Trend: 95.6%
Qual. Beats: 0
Warnings
Fakeout Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
PagSeguro Digital Ltd. is a Brazilian financial technology firm providing end-to-end digital banking and payment processing solutions. The company serves a diverse client base ranging from individual entrepreneurs and micro-merchants to small and medium-sized enterprises. Its ecosystem integrates point-of-sale (POS) hardware, software-as-a-service (SaaS) tools for inventory management, and a full-service digital bank offering credit, insurance, and investment products.
Operating in the competitive Brazilian fintech sector, PagSeguro utilizes an acquire-and-retain business model where payment processing serves as the entry point to cross-sell higher-margin banking and credit services. The company benefits from the rapid adoption of Pix, Brazil’s instant payment system, which has significantly accelerated the shift away from cash transactions in the region.
Investors looking for deeper insights into these financial metrics should consult ValueRay for further analysis. Founded in 2006 and headquartered in São Paulo, PagSeguro remains a key player in the modernization of Latin American financial infrastructure.
- Brazilian central bank interest rate cuts lower funding costs and boost margins
- Total Payment Volume growth accelerates through micro-merchant and SME market penetration
- Expansion of digital banking and credit products diversifies revenue beyond transaction fees
- Regulatory changes to the Pix payment system impact merchant acquiring fee structures
- Brazilian consumer credit quality and delinquency rates dictate loan loss provision requirements
| Net Income: 2.14b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 10.20 > 1.0 |
| NWC/Revenue: 97.46% < 20% (prev 110.3%; Δ -12.82% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.88b > Net Income 2.14b |
| Net Debt (39.0b) to EBITDA (9.55b): 4.09 < 3 |
| Current Ratio: 1.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (282.9m) vs 12m ago -7.43% < -2% |
| Gross Margin: 51.14% > 18% (prev 48.35%; Δ 2.79% > 0.5%) |
| Asset Turnover: 27.62% > 50% (prev 27.26%; Δ 0.37% > 0%) |
| Interest Coverage Ratio: 1.50 > 6 (EBIT TTM 7.72b / Interest Expense TTM 5.13b) |
| A: 0.26 (Total Current Assets 64.7b - Total Current Liabilities 45.4b) / Total Assets 74.3b |
| B: 0.15 (Retained Earnings 11.3b / Total Assets 74.3b) |
| C: 0.11 (EBIT TTM 7.72b / Avg Total Assets 71.7b) |
| D: 0.24 (Book Value of Equity 14.3b / Total Liabilities 59.9b) |
| Altman-Z'' = 3.18 = A |
| DSRI: 1.01 (Receivables 58.0b/54.8b, Revenue 19.8b/18.8b) |
| GMI: 0.95 (GM 48.35% / 51.14%) |
| AQI: 1.09 (AQ_t 0.10 / AQ_t-1 0.09) |
| SGI: 1.05 (Revenue 19.8b / 18.8b) |
| TATA: 0.00 (NI 2.14b - CFO 1.88b) / TA 74.3b) |
| Beneish M = -2.98 (Cap -4..+1) = A |
As of June 19, 2026, the stock is trading at USD 8.91 with a total of 3,508,614 shares traded.
Over the past week, the price has changed by +4.21%,
over one month by -2.94%,
over three months by -6.23% and
over the past year by +2.26%.
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
| Analysts Target Price | 12.2 | 36.6% |
Market Cap BRL = 12.7b (2.50b USD * 5.0614 USD.BRL)
P/E Trailing = 6.3546
P/E Forward = 6.1958
P/S = 0.1264
P/B = 0.896
Revenue TTM = 19.8b BRL
EBIT TTM = 7.72b BRL
EBITDA TTM = 9.55b BRL
Long Term Debt = 11.2b BRL (from longTermDebt, last quarter)
Short Term Debt = 33.5b BRL (from shortTermDebt, last quarter)
Debt = 45.7b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 39.0b BRL (calculated: Debt 45.7b - CCE 6.67b)
Enterprise Value = 51.7b BRL (12.7b + Debt 45.7b - CCE 6.67b)
Interest Coverage Ratio = 1.50 (Ebit TTM 7.72b / Interest Expense TTM 5.13b)
EV/FCF = 143.6x (Enterprise Value 51.7b / FCF TTM 359.9m)
FCF Yield = 0.70% (FCF TTM 359.9m / Enterprise Value 51.7b)
FCF Margin = 1.82% (FCF TTM 359.9m / Revenue TTM 19.8b)
Net Margin = 10.79% (Net Income TTM 2.14b / Revenue TTM 19.8b)
Gross Margin = 51.14% ((Revenue TTM 19.8b - Cost of Revenue TTM 9.68b) / Revenue TTM)
Gross Margin QoQ = 51.24% (prev 51.33%)
Tobins Q-Ratio = 0.70 (Enterprise Value 51.7b / Total Assets 74.3b)
Interest Expense / Debt = 11.23% (Interest Expense 5.13b / Debt 45.7b)
Taxrate = 17.51% (453.4m / 2.59b)
NOPAT = 6.37b (EBIT 7.72b * (1 - 17.51%))
Current Ratio = 1.43 (Total Current Assets 64.7b / Total Current Liabilities 45.4b)
Debt / Equity = 3.19 (Debt 45.7b / totalStockholderEquity, last quarter 14.3b)
Debt / EBITDA = 4.09 (Net Debt 39.0b / EBITDA 9.55b)
Debt / FCF = 108.4 (Net Debt 39.0b / FCF TTM 359.9m)
Total Stockholder Equity = 14.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.98% (Net Income 2.14b / Total Assets 74.3b)
RoE = 14.62% (Net Income TTM 2.14b / Total Stockholder Equity 14.6b)
RoCE = 29.87% (EBIT 7.72b / Capital Employed (Equity 14.6b + L.T.Debt 11.2b))
RoIC = 10.37% (NOPAT 6.37b / Invested Capital 61.4b)
WACC = 9.46% (E(12.7b)/V(58.4b) * Re(10.15%) + D(45.7b)/V(58.4b) * Rd(11.23%) * (1-Tc(0.18)))
Discount Rate = 10.15% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.66 | Cagr: -6.17%
[DCF] Terminal Value 71.64% ; FCFF base≈359.9m ; Y1≈361.4m ; Y5≈382.9m
[DCF] Fair Price = N/A (negative equity: EV 5.01b - Net Debt 39.0b = -34.0b; debt exceeds intrinsic value)
EPS Correlation: 85.90 | EPS CAGR: 15.94% | SUE: -4.0 | # QB: -1
Revenue Correlation: 95.57 | Revenue CAGR: 15.21% | SUE: -0.19 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.00 | Chg30d=-4.33% | Revisions=-25% | Analysts=5
EPS next Quarter (2026-09-30): EPS=2.19 | Chg30d=-2.37% | Revisions=-25% | Analysts=5
EPS current Year (2026-12-31): EPS=8.67 | Chg30d=N/A | Revisions=+11% | GrowthEPS=+9.0% | GrowthRev=+3.9%
EPS next Year (2027-12-31): EPS=9.70 | Chg30d=N/A | Revisions=+20% | GrowthEPS=+11.9% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: -25%