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Updated 1h ago
PAGS logo

PagSeguro Digital Ltd.NYSE:PAGS Stock Report

Market Cap US$2.7b
Updated 1h ago
Share Price
n/a
1Y4.0%
7D-2.3%
1D-1.4%
Portfolio Value
​
View

PagSeguro Digital Ltd.

NYSE:PAGS Stock Report

Market Cap: US$2.7b

  • Company Overview
  • Valuation
  • Future Growth
  • Past Performance
  • Financial Health
  • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

PagSeguro Digital (PAGS) Stock Overview

Provides financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. More details

PAGS fundamental analysis
Snowflake Score
Valuation6/6
Future Growth1/6
Past Performance2/6
Financial Health4/6
Dividends3/6

Rewards

Trading at 60.5% below our estimate of its fair value

Earnings are forecast to grow 4.89% per year

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 23.9%

Risk Analysis

Significant insider selling over the past 3 months


PAGS Community Fair Values

Create Narrative

See what 79 others think this stock is worth. Follow their fair value or set your own to get alerts.

Analyst Price Targets

AN
AnalystConsensusTarget
21.0% undervalued intrinsic discount
AnalystConsensusTarget
•3mo ago

Analysts Adjust PagSeguro Digital Targets Amid Mixed Views on Growth and Margin Prospects

382
0
27
AN
AnalystHighTarget
31.0% undervalued intrinsic discount
AnalystHighTarget
•21d ago

Accelerating Digital Payments And Financial Inclusion Will Transform Latin America Markets

95
0
6
AN
AnalystLowTarget
13.2% overvalued intrinsic discount
AnalystLowTarget
•6d ago

Big Tech And Brazil Pressures Will Erode Margins

89
0
2

Top Community Narratives

PAGS logo
PagSeguro Digital
49.9% undervalued intrinsic discount

PagSeguro: A Cheap Bet on a Bank Hiding Inside a Payments Company, Priced for Failure

View narrative
BJ
Bjergby
Bjergby
Updated 27 May
Read Narrative

Top Community Narratives

PAGS logo
PagSeguro Digital
49.9% undervalued intrinsic discount

PagSeguro: A Cheap Bet on a Bank Hiding Inside a Payments Company, Priced for Failure

View narrative
BJ
Bjergby
Bjergby
Updated 27 May
Read Narrative

Top Analyst Narratives

AN
AnalystConsensusTarget
21.0% undervalued intrinsic discount
AnalystConsensusTarget
•3mo ago

Analysts Adjust PagSeguro Digital Targets Amid Mixed Views on Growth and Margin Prospects

382
0
27
AN
AnalystHighTarget
31.0% undervalued intrinsic discount
AnalystHighTarget
•21d ago

Accelerating Digital Payments And Financial Inclusion Will Transform Latin America Markets

95
0
6
AN
AnalystLowTarget
13.2% overvalued intrinsic discount
AnalystLowTarget
•6d ago

Big Tech And Brazil Pressures Will Erode Margins

89
0
2
View all narratives

PagSeguro Digital Ltd. Competitors

Euronet Worldwide

Symbol: NasdaqGS:EEFT
Market cap: US$2.7b

StoneCo

Symbol: NasdaqGS:STNE
Market cap: US$2.3b

Payoneer Global

Symbol: NasdaqGM:PAYO
Market cap: US$2.4b

NCR Atleos

Symbol: NYSE:NATL
Market cap: US$3.4b

Price History & Performance

Summary of share price highs, lows and changes for PagSeguro Digital
Historical stock prices
Current Share PriceUS$9.61
52 Week HighUS$12.32
52 Week LowUS$8.42
Beta1.27
1 Month Change5.84%
3 Month Change7.49%
1 Year Change4.00%
3 Year Change5.95%
5 Year Change-82.50%
Change since IPO-67.09%

Recent News & Updates

User avatar
Narrative Update • Sep 03

PAGS: Higher Brazilian Rates Will Sustain Margin And Earnings Pressure

For PagSeguro Digital, the analyst price target has been adjusted modestly higher to reflect a slightly increased fair value estimate of $8.49. This is offset by expectations for limited earnings growth and ongoing margin pressure across the Brazilian payments sector.
Seeking Alpha • Aug 26

PagSeguro: Founder Steps Down, But Control Remains

Summary PagSeguro Digital Ltd. maintains strategic continuity despite the founder stepping down as chairman; control remains with UOL and Frias. PAGS saw payment volume return to growth and banking revenue surge, but payments revenue declined and credit losses increased amid a riskier credit mix. Gross profit growth lags full-year guidance, requiring a stronger second half; management expects to land near the lower end of its 6–9% range. At 5x 2026 earnings and a 13.4% shareholder yield, PAGS stock remains attractively valued; I maintain my Buy rating despite rising NPLs and competitive pressures. Read the full article on Seeking Alpha
User avatar
Narrative Update • Aug 19

PAGS: Higher-For-Longer Rates Will Shift Returns Toward Cash Distributions

PagSeguro Digital's updated analyst price target has edged lower, with analysts pointing to more cautious profit margin assumptions and recent research that highlights a tougher operating backdrop, including views that shareholder returns may rely more on dividends and buybacks than on a higher earnings multiple. Analyst Commentary Recent research on PagSeguro Digital points to a more balanced stance from Wall Street.

Recent updates

User avatar
Narrative Update • Sep 03

PAGS: Higher Brazilian Rates Will Sustain Margin And Earnings Pressure

For PagSeguro Digital, the analyst price target has been adjusted modestly higher to reflect a slightly increased fair value estimate of $8.49. This is offset by expectations for limited earnings growth and ongoing margin pressure across the Brazilian payments sector.
Seeking Alpha • Aug 26

PagSeguro: Founder Steps Down, But Control Remains

Summary PagSeguro Digital Ltd. maintains strategic continuity despite the founder stepping down as chairman; control remains with UOL and Frias. PAGS saw payment volume return to growth and banking revenue surge, but payments revenue declined and credit losses increased amid a riskier credit mix. Gross profit growth lags full-year guidance, requiring a stronger second half; management expects to land near the lower end of its 6–9% range. At 5x 2026 earnings and a 13.4% shareholder yield, PAGS stock remains attractively valued; I maintain my Buy rating despite rising NPLs and competitive pressures. Read the full article on Seeking Alpha
User avatar
Narrative Update • Aug 19

PAGS: Higher-For-Longer Rates Will Shift Returns Toward Cash Distributions

PagSeguro Digital's updated analyst price target has edged lower, with analysts pointing to more cautious profit margin assumptions and recent research that highlights a tougher operating backdrop, including views that shareholder returns may rely more on dividends and buybacks than on a higher earnings multiple. Analyst Commentary Recent research on PagSeguro Digital points to a more balanced stance from Wall Street.
Analysis Article • Aug 14

Earnings Update: PagSeguro Digital Ltd. (NYSE:PAGS) Just Reported Its Second-Quarter Results And Analysts Are Updating Their Forecasts

Last week, you might have seen that PagSeguro Digital Ltd. ( NYSE:PAGS ) released its quarterly result to the market...
User avatar
Narrative Update • Aug 05

PAGS: Higher For Longer Brazil Rates Will Pressure Future Earnings Multiple

For PagSeguro Digital, the analyst price target has shifted toward the lower end of recent views, with fresh models pointing to fair value of about $8.11. Analysts are factoring in lower projected profit margins, a slightly reduced future P/E of 5.89, and a more challenging operating and competitive backdrop for earnings growth, while still highlighting the stock's undemanding valuation and potential reliance on dividends and buybacks for future shareholder returns.
User avatar
Narrative Update • Jul 21

PAGS: Higher-For-Longer Rates May Still Leave Room For Upside

Analysts have nudged their fair value estimate for PagSeguro Digital higher to $15.04 from $14.36, reflecting slightly adjusted assumptions on discount rate, revenue growth, profit margins and future P/E, even as recent Street research includes mixed signals such as a reduced $12.50 target from UBS and a downgrade to Neutral with a $10 target at BofA. Analyst Commentary Recent Street commentary on PagSeguro Digital highlights a split view, with some analysts pointing to a tougher operating setup in Brazil while others still see enough earnings power and execution potential to support double digit price targets.
User avatar
Narrative Update • Jul 07

PAGS: Balanced Sector Caution And Earnings Upgrade Will Shape Future Risk Reward Profile

Analysts have reduced their price target for PagSeguro Digital to about $8.52 from roughly $9.47. They cite a recalibrated outlook that combines more moderate revenue growth assumptions with slightly stronger profit margin expectations, as well as a modestly lower discount rate and future P/E multiple.
User avatar
Narrative Update • Jun 23

PAGS: Future Credit Expansion And Banking Scale May Support Upside

Analysts have trimmed their PagSeguro Digital price target by $1, citing slightly adjusted fair value and discount rate inputs, along with recalibrated assumptions for revenue growth, profit margins, and future P/E multiples. Analyst Commentary Recent commentary around PagSeguro Digital has focused on how small adjustments to valuation inputs, including discount rates, revenue expectations, and assumed P/E multiples, translate into only a modest change in the stock’s assessed fair value.
User avatar
Narrative Update • Jun 09

PAGS: Dividend And Buyback Deployment Will Shape Future Earnings Repricing

Analysts have trimmed their PagSeguro Digital price target by $1 to reflect a slightly lower fair value estimate of $12.17, even as updated assumptions factor in a modestly different balance of discount rate, revenue growth, profit margin, and future P/E expectations. Analyst Commentary Recent research commentary on PagSeguro Digital has focused on refining valuation assumptions rather than signaling a broad reset in expectations.
User avatar
Narrative Update • May 26

PAGS: Higher Margins And Buybacks May Support Future Upside

PagSeguro Digital's analyst price target has been trimmed by about $0.11 as analysts factor in slightly lower fair value and revenue growth assumptions, alongside modestly higher profit margin and P/E expectations. Analyst Commentary Recent research signals that the reset in PagSeguro Digital's price target is part of a broader period of fine tuning across payments and fintech stocks, with analysts revisiting assumptions around growth, profitability, and valuation multiples.
User avatar
New Narrative • May 22

PagSeguro: A Cheap Bet on a Bank Hiding Inside a Payments Company, Priced for Failure

The setup. A Brazilian payments-and-banking hybrid (PagBank) trading at ~$9.32, roughly 6.8x normalized earnings, ~1.0x book, with a ~14% combined capital-return yield (buybacks + dividends).
User avatar
Narrative Update • May 03

PAGS: Refined Earnings Assumptions May Support Future Upside Despite New Competition

Analysts have inched their fair value estimate for PagSeguro Digital higher to align with a slightly lower implied future P/E and updated assumptions for discount rate, revenue growth, and profit margin after a $1 trim to the Street price target. Analyst Commentary Recent Street research on PagSeguro Digital has included a modest $1 trim to the price target from JPMorgan, alongside refreshed assumptions around discount rates, revenue growth, and margins.
User avatar
Narrative Update • Apr 19

PAGS: Rising Competitive Threats In Brazil Will Pressure Future Risk Reward Profile

Narrative Update Analysts now see PagSeguro Digital’s fair value edging up to about $9.47 from roughly $9.34. This reflects updated assumptions for slower revenue growth, a lower profit margin profile, and a higher future P/E multiple after recent target changes and downgrades on the stock.
User avatar
Narrative Update • Apr 05

PAGS: Mixed Ratings And Competition May Set Up Future Upside Opportunity

Analysts have modestly lifted the fair value estimate for PagSeguro Digital to about $14.33 from $13.92, citing updated assumptions for discount rates, revenue growth, profit margins, and future P/E. This follows recent mixed research, including a $1 price target increase from UBS alongside downgrades from other firms.
User avatar
Narrative Update • Mar 21

PAGS: Dividend And Buyback Actions Will Frame Future Execution Repricing

Analysts have nudged their price target on PagSeguro Digital higher to reflect a slightly increased fair value estimate of about $12.72. They cited updated assumptions around revenue growth, profit margins and future P/E, even as recent research has included both downgrades and a modest $1 target hike from one firm.
User avatar
Narrative Update • Mar 07

PAGS: Conflicting Ratings And Dividend Payout Will Shape Future Risk Reward Profile

Analysts have lowered their price target on PagSeguro Digital to about $9.34 from roughly $9.50. They cite slightly lower revenue growth assumptions, a modestly higher discount rate, and a lower future P/E, partially offset by higher projected profit margins.
User avatar
Narrative Update • Feb 21

PAGS: Conflicting Ratings And Execution Risks Will Pressure Future Risk Reward Outlook

Narrative update on PagSeguro Digital The analyst price target for PagSeguro Digital has been revised upward to $9.50 from $8.77. Analysts attribute this change to updated assumptions involving slightly higher projected revenue growth and modest adjustments to the discount rate, profit margin, and future P/E expectations.
User avatar
Narrative Update • Feb 07

PAGS: Leadership Reset And Dividend Will Frame Future Execution Repricing

Narrative Update: PagSeguro Digital Analysts have inched their fair value estimate for PagSeguro higher to about US$12.56 per share from roughly US$12.26. This reflects slightly lower assumed risk and ongoing debate between recent target increases and several downgrades that highlight earnings pressure and management turnover at PagBank.
User avatar
Narrative Update • Jan 24

PAGS: Leadership Reset And Dividend Plans Will Support Future Bullish Repricing

Narrative Update: PagSeguro Digital The analyst price target for PagSeguro Digital has been raised by US$1 to US$12, as analysts point to a slightly higher fair value estimate alongside updated assumptions for discount rate, revenue growth, profit margin and future P/E after the company faced its most challenging recent quarter and management changes signaled a rethink of the way forward. Analyst Commentary Recent research on PagSeguro Digital shows a split view, with some analysts focusing on potential upside from a reset in expectations and others highlighting execution risks following a difficult quarter and leadership changes.
User avatar
Narrative Update • Jan 09

PAGS: Leadership Reset And Capital Returns Will Drive Future Bullish Repricing

Narrative Update: PagSeguro Digital The analyst price target for PagSeguro Digital has been adjusted to US$12.02 from US$11.80. Analysts point to recently updated fair value estimates and mixed Street views that balance concerns about Q3 challenges and earnings pressure with some price target increases.
User avatar
Narrative Update • Dec 20

PAGS: Leadership Changes And Earnings Volatility Will Shape Risk Reward Outlook

The analyst price target for PagSeguro Digital has moved higher to approximately $8.77 from about $6.67, as analysts factor in slightly lower perceived risk, modestly slower top line growth, and improved margin and earnings power following recent estimate revisions and price target increases across the Street. Analyst Commentary Recent research updates on PagSeguro Digital and its PagBank unit highlight a wide dispersion in views, with some firms lifting price targets on the back of better margin visibility while others remain skeptical about the durability of growth and the companys ability to execute against its long term guidance.
User avatar
Narrative Update • Dec 06

PAGS: Capital Returns And Margin Improvements Will Drive Bullish Repricing Ahead

Analysts nudged their average price target on PagSeguro Digital higher to about $11.80 from roughly $11.20, citing a modestly lower discount rate, slightly richer future earnings multiples, and improving profit margin expectations despite tempered revenue growth assumptions and ongoing debate around execution risk and the pace of recovery after a challenging Q3. Analyst Commentary Analysts remain divided on PagSeguro Digital, with some highlighting attractive upside after the recent reset in expectations and others emphasizing ongoing execution and growth risks following a difficult stretch of operating results.
User avatar
Narrative Update • Oct 22

Analysts Adjust PagSeguro Digital Targets Amid Mixed Views on Growth and Margin Prospects

Analysts have slightly lowered their price target for PagSeguro Digital to approximately $11.21 from $11.71. This change reflects cautious views on profit margins and execution risks despite recent strategic updates and ongoing sector developments.
User avatar
Narrative Update • Oct 08

Secured Lending Focus And Ecosystem Expansion Will Strengthen Future Prospects

Analysts have modestly increased their fair value estimate for PagSeguro Digital to $11.71, up from $11.48. This change reflects improved profit margin projections and updated guidance on long-term growth.
User avatar
Narrative Update • Sep 20

Secured Lending Focus And Ecosystem Expansion Will Strengthen Future Prospects

Analysts have raised PagSeguro Digital’s price target due to attractive valuation, excess capital return plans, and increased confidence in management’s strategic guidance for double-digit earnings growth, resulting in a new fair value estimate of $11.48. Analyst Commentary Attractive valuation relative to growth prospects.
User avatar
Narrative Update • Aug 27

Secured Lending Focus And Ecosystem Expansion Will Strengthen Future Prospects

PagSeguro Digital's consensus price target was revised slightly lower to $11.22, primarily reflecting a sharp decline in its projected future P/E multiple while revenue growth forecasts remained steady. What's in the News PagSeguro Digital announced a special cash dividend of $0.12 per common share, with two more similar distributions expected over the next three quarters, subject to conditions.
Analysis Article • May 16

PagSeguro Digital Ltd. (NYSE:PAGS) First-Quarter Results: Here's What Analysts Are Forecasting For This Year

There's been a notable change in appetite for PagSeguro Digital Ltd. ( NYSE:PAGS ) shares in the week since its...
Analysis Article • Apr 18

Investors Continue Waiting On Sidelines For PagSeguro Digital Ltd. (NYSE:PAGS)

With a price-to-earnings (or "P/E") ratio of 7.1x PagSeguro Digital Ltd. ( NYSE:PAGS ) may be sending very bullish...
Seeking Alpha • Mar 09

PagSeguro Q4: Overlooked By The Market, The Company's Profits Continue To Grow

Summary Total payment volume (TPV) surged 28% y/y to BRL 146 billion ($23.6 billion) in 4Q24, driven by Pix operations' growth from 7% to 17%. The expanded credit portfolio grew 46% y/y to BRL 48 billion ($7.8 billion), with receivables prepayment operations increasing 47% y/y to BRL 44.7 billion ($7.2 billion). The stock trades below 1x P/B, indicating upside potential of at least 23%. Improvements in the Brazilian macroeconomic scenario, driven by China, reinforce the buy thesis. Read the full article on Seeking Alpha
Analysis Article • Jan 08

PagSeguro Digital Ltd.'s (NYSE:PAGS) Price Is Right But Growth Is Lacking

With a price-to-earnings (or "P/E") ratio of 6.2x PagSeguro Digital Ltd. ( NYSE:PAGS ) may be sending very bullish...
Seeking Alpha • Nov 25

PagSeguro: A GARP Opportunity That Doesn't Pan Out (Rating Downgrade)

Summary PagSeguro holds a small market share in Brazil’s saturated payments market. Brazil's rising inflation, interest rates, and BRL/USD devaluation have negatively impacted PAGS's performance. Also, increased expenses and shrinking margins have led to investor dissatisfaction and downgrades. With a low P/E ratio of 6.7x and 15% projected growth, the Company still presents a "Growth At a Reasonable Price" opportunity, but risks remain. Competitors like StoneCo offer better growth potential and margins, despite having similar valuations. Read the full article on Seeking Alpha
User avatar
New Narrative • Nov 21

Accelerating Revenue And Earnings Growth Through Calculated Expansion And Financial Optimization

Diversification into online offerings and credit products, alongside a focus on MSMB, could drive broader client engagement and revenue growth.
Seeking Alpha • Sep 13

PagSeguro: Gaining Market Share And Outpacing Industry TPV Growth

Summary Despite robust growth in revenue and earnings re-acceleration, PagSeguro's stock remains sensitive to high-interest rates, currently at 10.5%, impacting the stock's sentiment. The company significantly boosted FY2024 TPV guidance by 10%, driven by strong merchant services demand and a focus on medium and large enterprises. The management indicated that TPV growth in 2Q FY2024 was 3 times higher than the industry's growth, implying that the company is gaining market share. Financial income growth outpaces financial expenses, and with effective cost management, net income margin is expected to recover despite high-interest rates. The stock is undervalued at 0.43x of non-GAAP PEG fwd, 65% cheaper than its sector average, presenting an attractive GARP opportunity. Read the full article on Seeking Alpha
Seeking Alpha • Aug 21

After Strong Q2, PagSeguro Stock Still Looks Cheap

Summary Some LatAm fintechs offer growth potential with cheap valuations, such as Nu Holdings, but alternatives like PagSeguro have more attractive valuations. PagSeguro's Q2 earnings show strong momentum with revenue growth, operational indicators, and credit portfolio improvements, leading to increased net income and revised guidance. Despite risks including macroeconomic, exchange rate, and competition, PagSeguro's valuation remains a strong aspect of the investment thesis, offering potential upside for investors. Read the full article on Seeking Alpha
Analysis Article • Aug 16

Potential Upside For PagSeguro Digital Ltd. (NYSE:PAGS) Not Without Risk

PagSeguro Digital Ltd.'s ( NYSE:PAGS ) price-to-earnings (or "P/E") ratio of 13.8x might make it look like a buy right...
Seeking Alpha • Jun 05

PagSeguro Q1 2024 Earnings: Still A Good Opportunity

Summary PagSeguro's 1Q24 results exceeded market estimates, beating revenue estimates by 6.9% and profit estimates by 9.4%. The company is expanding its low-risk and profitable products while launching new and promising ones. Despite the positive factors, PAGS trades with a P/E discount of more than 9% to its peers. Read the full article on Seeking Alpha
Seeking Alpha • May 24

PagSeguro Q1 Review: A Smart Bet Despite Foreign Market Risks (Upgrade)

Summary PagSeguro Digital Ltd. is a cheaply priced Brazilian fintech with strong growth rates expected in 2024. Despite declining merchant figures, PagSeguro's financials and earnings results are positive. The company is projected to deliver a 20% CAGR in 2024, making it an attractively priced investment opportunity. Read the full article on Seeking Alpha
Analysis Article • Apr 21

Investors Holding Back On PagSeguro Digital Ltd. (NYSE:PAGS)

With a price-to-earnings (or "P/E") ratio of 11.4x PagSeguro Digital Ltd. ( NYSE:PAGS ) may be sending bullish signals...
Seeking Alpha • Apr 08

PagSeguro: Business Tailwind And Attractive Valuation

Summary PagSeguro has a disruptive business model focused on SMEs, which has led to systematic growth since 2009. In the macroeconomic scenario, Brazil has a tailwind as it is cutting interest rates. The interest rate cut cycle causes a reduction in financial expenses, due to lower funding cost. The company is trading at a discount compared to its peers, which seems like a great opportunity given the company's track record. Read the full article on Seeking Alpha
Seeking Alpha • Mar 01

PagSeguro: Q4 Earnings - Solid Results, Favorable Guidance, And Attractive Valuations

Summary PagSeguro's Q4 earnings showed robust growth in Total Payment Volume, profits, and banking risk management, bolstered by favorable macroeconomic conditions in Brazil. Despite trading at a discount compared to peers, PAGS's valuation remains attractive, supported by its conservative growth profile and significant buyback activity. Market indicators, including the RSI and moving averages, suggest a bullish trend for the Company's shares post-earnings, reinforcing optimism in the company's performance. With a strategic focus on integrating payment and banking services and achievable annual guidance, PagSeguro presents a compelling investment opportunity with more favorable macroeconomic trends in Brazil. Read the full article on Seeking Alpha
Seeking Alpha • Dec 27

PagSeguro Stock Looks Interesting

Summary PagSeguro Digital is a Brazilian fintech company that provides a digital ecosystem for financial solutions. The company reported its highest-ever net income in Q3, with stable total revenue and improved margins. PagSeguro plans to expand in different regions of Brazil, adopt new technologies, and focus on growing its sales team. I think PAGS is well-positioned to leverage its strong financials to increase its market share. In parallel to this process, nothing prevents PAGS from continuing to buy back shares from the market. Read the full article on Seeking Alpha
Analysis Article • Dec 19

PagSeguro Digital Ltd. (NYSE:PAGS) Stock Rockets 26% But Many Are Still Ignoring The Company

Despite an already strong run, PagSeguro Digital Ltd. ( NYSE:PAGS ) shares have been powering on, with a gain of 26% in...
Seeking Alpha • Nov 20

PagSeguro Q3: Positive Trends Amid Brazil's Interest Rate Slowdown

Summary PagSeguro reported record-breaking net profit in Q3, showcasing resilience in the face of challenges in Brazil's credit environment. The company's valuation and potential to benefit from a favorable fiscal landscape strengthen the optimistic outlook. Regulatory risks, including a law imposing revolving credit limits, could affect revenues for banks and acquiring companies like PAGS. Read the full article on Seeking Alpha
Seeking Alpha • Sep 30

PagSeguro: Discounted Valuation Amid Competitive Challenges

Summary PagSeguro, a Brazilian payment intermediary, merged its digital account (PagBank) and payment services into one entity in 2023, offering a comprehensive financial ecosystem. Despite facing challenges in the payment services sector, PagSeguro's valuation multiples are attractive compared to competitors like StoneCo. With expectations of lower interest rates and improved economic activity in Brazil, PagSeguro is positioned for potential growth, making it an interesting consideration for investment. Read the full article on Seeking Alpha
Seeking Alpha • Sep 12

PagSeguro Stock: Puzzle Of Intangibles

Summary Revenue growth rates for PagSeguro have significantly slowed down, creating skepticism among investors. While PagSeguro's P/E ratio appears low, the company reinvests earnings into the business, raising doubts about sustainable profitability. PagSeguro's shifting adoption curve suggests challenges in retaining customers. Read the full article on Seeking Alpha

Shareholder Returns

PAGSUS Diversified FinancialUS Market
7D-2.3%-0.09%0.9%
1Y4.0%-1.0%15.5%

Return vs Industry: PAGS exceeded the US Diversified Financial industry which returned -1% over the past year.

Return vs Market: PAGS underperformed the US Market which returned 15.5% over the past year.

Price Volatility

Is PAGS's price volatile compared to industry and market?
PAGS volatility
PAGS Average Weekly Movement4.5%
Diversified Financial Industry Average Movement6.0%
Market Average Movement6.9%
10% most volatile stocks in US Market15.6%
10% least volatile stocks in US Market3.0%

Stable Share Price: PAGS has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: PAGS's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2006n/aCarlos Mauadpagbank.com.br

PagSeguro Digital Ltd., together with its subsidiaries, provides financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company provides digital banking solutions, including bill payments, deposits, top-ups, debt management, direct deposits, pix, tax collections, tax collections, wire transfer, and ATM withdrawal; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. It offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as recommendation from our distribution team, financial education, stocks and REITs, investment, PagBank CD, Third-party fixed income, treasury, automatic savings and money boxes; and operates cashback and Shopping PagBank, a marketplace for various brands.

PagSeguro Digital Ltd. Fundamentals Summary

How do PagSeguro Digital's earnings and revenue compare to its market cap?
PAGS fundamental statistics
Market capUS$2.69b
Earnings (TTM)US$421.57m
Revenue (TTM)US$3.88b
6.3x
P/E Ratio
0.7x
P/S Ratio

Is PAGS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PAGS income statement (TTM)
RevenueR$19.80b
Cost of RevenueR$9.61b
Gross ProfitR$10.19b
Other ExpensesR$8.04b
EarningsR$2.15b

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)7.80
Gross Margin51.47%
Net Profit Margin10.86%
Debt/Equity Ratio11.3%

How did PAGS perform over the long term?

See historical performance and comparison

Dividends

2.7%
Current Dividend Yield
18%
Payout Ratio

Does PAGS pay a reliable dividends?

See PAGS dividend history and benchmarks
When do you need to buy PAGS by to receive an upcoming dividend?
PagSeguro Digital dividend dates
Ex Dividend DateSep 16 2026
Dividend Pay DateSep 30 2026
Days until Ex dividend6 days
Days until Dividend pay date20 days

Does PAGS pay a reliable dividends?

See PAGS dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/09 21:43
End of Day Share Price 2026/09/09 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

PagSeguro Digital Ltd. is covered by 26 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
John CoffeyBarclays
Mario Lucio PierryBofA Global Research
Marcelo MizrahiBradesco S.A. Corretora de Títulos e Valores Mobiliários

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