(PAGS) PagSeguro Digital - Overview
Exchange: NYSE •
Country: Brazil •
Currency: USD •
Type: Common Stock •
ISIN: KYG687071012
Stock: Digital Banking, Payment Solutions, Cards, Credit Products, Insurance
Total Rating 52
Risk 91
Buy Signal 0.60
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.34% |
| Yield on Cost 5y | 0.92% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 100.0% |
| Payout Ratio | 9.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 45.8% |
| Relative Tail Risk | -6.06% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.99 |
| Alpha | 30.86 |
| Character TTM | |
|---|---|
| Beta | 1.098 |
| Beta Downside | 0.587 |
| Drawdowns 3y | |
|---|---|
| Max DD | 57.60% |
| CAGR/Max DD | 0.15 |
Description: PAGS PagSeguro Digital January 13, 2026
PagSeguro Digital Ltd. (NYSE:PAGS) operates a diversified fintech ecosystem in Brazil, delivering digital banking, payments, credit, insurance, and investment services to consumers, micro-merchants, and SMEs. Its product suite spans deposit accounts, prepaid and credit cards, payroll and working-capital loans, as well as a suite of merchant-focused software tools such as the PagVendas POS app, ClubPag marketing platform, and PlugPag Bluetooth connectivity solution.
In 2023 the company processed roughly 1.2 billion transactions and grew its active user base to an estimated 45 million, driving revenue up about 30 % year-over-year to just over $1.1 billion. The Brazilian fintech market is expanding at a 22 % compound annual growth rate, propelled by rising smartphone penetration and a gradual shift of the previously unbanked population into formal financial services-both trends that underpin PagSeguro’s growth outlook.
For a deeper dive into PagSeguro’s valuation metrics and scenario analysis, the ValueRay platform offers a concise data sheet worth reviewing.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 2.22b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 8.33 > 1.0 |
| NWC/Revenue: 95.75% < 20% (prev 114.8%; Δ -19.06% < -1%) |
| CFO/TA 0.07 > 3% & CFO 5.03b > Net Income 2.22b |
| Net Debt (40.42b) to EBITDA (8.89b): 4.55 < 3 |
| Current Ratio: 1.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (294.9m) vs 12m ago -8.03% < -2% |
| Gross Margin: 50.04% > 18% (prev 0.48%; Δ 4957 % > 0.5%) |
| Asset Turnover: 27.99% > 50% (prev 26.19%; Δ 1.80% > 0%) |
| Interest Coverage Ratio: 1.52 > 6 (EBITDA TTM 8.89b / Interest Expense TTM 4.69b) |
Altman Z'' 3.17
| A: 0.26 (Total Current Assets 63.19b - Total Current Liabilities 44.50b) / Total Assets 72.29b |
| B: 0.15 (Retained Earnings 11.01b / Total Assets 72.29b) |
| C: 0.10 (EBIT TTM 7.12b / Avg Total Assets 69.75b) |
| D: 0.27 (Book Value of Equity 15.65b / Total Liabilities 57.40b) |
| Altman-Z'' Score: 3.17 = A |
Beneish M -2.97
| DSRI: 0.96 (Receivables 57.22b/53.77b, Revenue 19.52b/17.61b) |
| GMI: 0.95 (GM 50.04% / 47.73%) |
| AQI: 1.16 (AQ_t 0.09 / AQ_t-1 0.08) |
| SGI: 1.11 (Revenue 19.52b / 17.61b) |
| TATA: -0.04 (NI 2.22b - CFO 5.03b) / TA 72.29b) |
| Beneish M-Score: -2.97 (Cap -4..+1) = A |
What is the price of PAGS shares?
As of February 07, 2026, the stock is trading at USD 10.99 with a total of 2,901,468 shares traded.
Over the past week, the price has changed by -2.31%, over one month by +12.15%, over three months by +17.24% and over the past year by +51.10%.
Over the past week, the price has changed by -2.31%, over one month by +12.15%, over three months by +17.24% and over the past year by +51.10%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 12.6 | 14.3% |
| Analysts Target Price | 12.6 | 14.3% |
| ValueRay Target Price | 12.8 | 16.4% |
PAGS Fundamental Data Overview February 02, 2026
Market Cap BRL = 17.20b (3.28b USD * 5.2395 USD.BRL)
P/E Trailing = 8.5227
P/E Forward = 7.874
P/S = 0.1682
P/B = 1.2164
Revenue TTM = 19.52b BRL
EBIT TTM = 7.12b BRL
EBITDA TTM = 8.89b BRL
Long Term Debt = 9.20b BRL (from longTermDebt, last quarter)
Short Term Debt = 32.65b BRL (from shortTermDebt, last quarter)
Debt = 41.85b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 40.42b BRL (from netDebt column, last quarter)
Enterprise Value = 57.17b BRL (17.20b + Debt 41.85b - CCE 1.89b)
Interest Coverage Ratio = 1.52 (Ebit TTM 7.12b / Interest Expense TTM 4.69b)
EV/FCF = 18.28x (Enterprise Value 57.17b / FCF TTM 3.13b)
FCF Yield = 5.47% (FCF TTM 3.13b / Enterprise Value 57.17b)
FCF Margin = 16.02% (FCF TTM 3.13b / Revenue TTM 19.52b)
Net Margin = 11.35% (Net Income TTM 2.22b / Revenue TTM 19.52b)
Gross Margin = 50.04% ((Revenue TTM 19.52b - Cost of Revenue TTM 9.75b) / Revenue TTM)
Gross Margin QoQ = 51.27% (prev 50.71%)
Tobins Q-Ratio = 0.79 (Enterprise Value 57.17b / Total Assets 72.29b)
Interest Expense / Debt = 3.33% (Interest Expense 1.39b / Debt 41.85b)
Taxrate = 12.88% (81.9m / 636.4m)
NOPAT = 6.21b (EBIT 7.12b * (1 - 12.88%))
Current Ratio = 1.42 (Total Current Assets 63.19b / Total Current Liabilities 44.50b)
Debt / Equity = 2.81 (Debt 41.85b / totalStockholderEquity, last quarter 14.89b)
Debt / EBITDA = 4.55 (Net Debt 40.42b / EBITDA 8.89b)
Debt / FCF = 12.92 (Net Debt 40.42b / FCF TTM 3.13b)
Total Stockholder Equity = 14.77b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.18% (Net Income 2.22b / Total Assets 72.29b)
RoE = 15.00% (Net Income TTM 2.22b / Total Stockholder Equity 14.77b)
RoCE = 29.72% (EBIT 7.12b / Capital Employed (Equity 14.77b + L.T.Debt 9.20b))
RoIC = 11.26% (NOPAT 6.21b / Invested Capital 55.11b)
WACC = 4.96% (E(17.20b)/V(59.05b) * Re(9.96%) + D(41.85b)/V(59.05b) * Rd(3.33%) * (1-Tc(0.13)))
Discount Rate = 9.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.86%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈3.13b ; Y1≈2.05b ; Y5≈936.8m
Fair Price DCF = N/A (negative equity: EV 29.85b - Net Debt 40.42b = -10.57b; debt exceeds intrinsic value)
EPS Correlation: -1.93 | EPS CAGR: -45.11% | SUE: -4.0 | # QB: 0
Revenue Correlation: 77.00 | Revenue CAGR: 26.11% | SUE: -0.08 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.93 | Chg30d=+0.088 | Revisions Net=+1 | Analysts=4
EPS next Year (2026-12-31): EPS=8.59 | Chg30d=+0.068 | Revisions Net=+0 | Growth EPS=+11.8% | Growth Revenue=+5.7%
P/E Trailing = 8.5227
P/E Forward = 7.874
P/S = 0.1682
P/B = 1.2164
Revenue TTM = 19.52b BRL
EBIT TTM = 7.12b BRL
EBITDA TTM = 8.89b BRL
Long Term Debt = 9.20b BRL (from longTermDebt, last quarter)
Short Term Debt = 32.65b BRL (from shortTermDebt, last quarter)
Debt = 41.85b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 40.42b BRL (from netDebt column, last quarter)
Enterprise Value = 57.17b BRL (17.20b + Debt 41.85b - CCE 1.89b)
Interest Coverage Ratio = 1.52 (Ebit TTM 7.12b / Interest Expense TTM 4.69b)
EV/FCF = 18.28x (Enterprise Value 57.17b / FCF TTM 3.13b)
FCF Yield = 5.47% (FCF TTM 3.13b / Enterprise Value 57.17b)
FCF Margin = 16.02% (FCF TTM 3.13b / Revenue TTM 19.52b)
Net Margin = 11.35% (Net Income TTM 2.22b / Revenue TTM 19.52b)
Gross Margin = 50.04% ((Revenue TTM 19.52b - Cost of Revenue TTM 9.75b) / Revenue TTM)
Gross Margin QoQ = 51.27% (prev 50.71%)
Tobins Q-Ratio = 0.79 (Enterprise Value 57.17b / Total Assets 72.29b)
Interest Expense / Debt = 3.33% (Interest Expense 1.39b / Debt 41.85b)
Taxrate = 12.88% (81.9m / 636.4m)
NOPAT = 6.21b (EBIT 7.12b * (1 - 12.88%))
Current Ratio = 1.42 (Total Current Assets 63.19b / Total Current Liabilities 44.50b)
Debt / Equity = 2.81 (Debt 41.85b / totalStockholderEquity, last quarter 14.89b)
Debt / EBITDA = 4.55 (Net Debt 40.42b / EBITDA 8.89b)
Debt / FCF = 12.92 (Net Debt 40.42b / FCF TTM 3.13b)
Total Stockholder Equity = 14.77b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.18% (Net Income 2.22b / Total Assets 72.29b)
RoE = 15.00% (Net Income TTM 2.22b / Total Stockholder Equity 14.77b)
RoCE = 29.72% (EBIT 7.12b / Capital Employed (Equity 14.77b + L.T.Debt 9.20b))
RoIC = 11.26% (NOPAT 6.21b / Invested Capital 55.11b)
WACC = 4.96% (E(17.20b)/V(59.05b) * Re(9.96%) + D(41.85b)/V(59.05b) * Rd(3.33%) * (1-Tc(0.13)))
Discount Rate = 9.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.86%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈3.13b ; Y1≈2.05b ; Y5≈936.8m
Fair Price DCF = N/A (negative equity: EV 29.85b - Net Debt 40.42b = -10.57b; debt exceeds intrinsic value)
EPS Correlation: -1.93 | EPS CAGR: -45.11% | SUE: -4.0 | # QB: 0
Revenue Correlation: 77.00 | Revenue CAGR: 26.11% | SUE: -0.08 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.93 | Chg30d=+0.088 | Revisions Net=+1 | Analysts=4
EPS next Year (2026-12-31): EPS=8.59 | Chg30d=+0.068 | Revisions Net=+0 | Growth EPS=+11.8% | Growth Revenue=+5.7%