(PAGS) PagSeguro Digital - Ratings and Ratios
Digital Payments Mobile Point Of Sale Ecommerce Financial Services
PAGS EPS (Earnings per Share)
PAGS Revenue
Description: PAGS PagSeguro Digital
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 | 2,779m |
| Sub-Industry | Data Processing & Outsourced Services |
| IPO / Inception | 2018-01-24 |
PAGS Stock Ratings
| Growth Rating | -6.02% |
| Fundamental | 62.9% |
| Dividend Rating | 1.0% |
| Return 12m vs S&P 500 | -1.29% |
| Analyst Rating | 3.88 of 5 |
PAGS Dividends
| Dividend Yield 12m | 4.06% |
| Yield on Cost 5y | 1.04% |
| Annual Growth 5y | -5.01% |
| Payout Consistency | 1.0% |
| Payout Ratio | 5.1% |
PAGS Growth Ratios
| Growth Correlation 3m | 24.7% |
| Growth Correlation 12m | 55.5% |
| Growth Correlation 5y | -80.9% |
| CAGR 5y | -8.03% |
| CAGR/Max DD 3y | -0.13 |
| CAGR/Mean DD 3y | -0.20 |
| Sharpe Ratio 12m | -0.08 |
| Alpha | 0.02 |
| Beta | 0.976 |
| Volatility | 51.54% |
| Current Volume | 4856.7k |
| Average Volume 20d | 4245.8k |
| Stop Loss | 10.1 (-5.1%) |
| Signal | 0.54 |
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 -2.33pp (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 |
| (C) 0.10 = EBIT TTM 6.59b / Avg Total Assets 68.84b |
| (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) 62.87
| 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 4.89 = -2.50 |
| 6. ROIC - WACC (= 6.67)% = 8.34 |
| 7. RoE 14.95% = 1.25 |
| 8. Rev. Trend 74.74% = 5.61 |
| 9. EPS Trend 20.65% = 1.03 |
What is the price of PAGS shares?
Over the past week, the price has changed by +12.24%, over one month by +17.44%, over three months by +16.66% and over the past year by +17.89%.
Is PagSeguro Digital a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PAGS is around 9.81 USD . This means that PAGS is currently overvalued and has a potential downside of -7.8%.
Is PAGS a buy, sell or hold?
- 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 | 11.2 | 5.3% |
| Analysts Target Price | 11.2 | 5.3% |
| ValueRay Target Price | 10.5 | -1.1% |
Last update: 2025-09-11 04:46
PAGS Fundamental Data Overview
CCE Cash And Equivalents = 1.58b BRL (Cash And Short Term Investments, last quarter)
P/E Trailing = 7.3231
P/E Forward = 6.215
P/S = 0.1439
P/B = 1.0327
Beta = 1.561
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 (Calculated: Short Term 31.66b + Long Term 8.96b)
Net Debt = 39.50b BRL (from netDebt column, last quarter)
Enterprise Value = 53.82b BRL (14.77b + 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 53.82b)
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)
Tobins Q-Ratio = 3.52 (Enterprise Value 53.82b / Book Value Of Equity 15.30b)
Interest Expense / Debt = 2.52% (Interest Expense 1.03b / Debt 40.62b)
Taxrate = 11.07% (263.6m / 2.38b)
NOPAT = 5.86b (EBIT 6.59b * (1 - 11.07%))
Current Ratio = 1.42 (Total Current Assets 62.21b / Total Current Liabilities 43.72b)
Debt / Equity = 2.79 (Debt 40.62b / last Quarter total Stockholder Equity 14.58b)
Debt / EBITDA = 4.89 (Net Debt 39.50b / EBITDA 8.31b)
Debt / FCF = 82.50 (Debt 40.62b / FCF TTM 492.4m)
Total Stockholder Equity = 14.66b (last 4 quarters mean)
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 / (Equity 14.66b + L.T.Debt 8.96b))
RoIC = 10.88% (NOPAT 5.86b / Invested Capital 53.83b)
WACC = 4.21% (E(14.77b)/V(55.40b) * Re(9.61%)) + (D(40.62b)/V(55.40b) * Rd(2.52%) * (1-Tc(0.11)))
Shares Correlation 3-Years: -87.03 | Cagr: -0.81%
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 63.72% ; FCFE base≈1.10b ; Y1≈722.2m ; Y5≈330.3m
Fair Price DCF = 29.78 (DCF Value 5.10b / Shares Outstanding 171.4m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 20.65 | EPS CAGR: 16.00% | SUE: 0.75 | # QB: 0
Revenue Correlation: 74.74 | Revenue CAGR: 7.69% | SUE: -0.27 | # QB: 0
Additional Sources for PAGS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle