PAGSEGURO DIGITAL LTD-CL A (PAGS) Stock Fundamental Analysis
USA - NYSE:PAGS - KYG687071012 - Common Stock
9.205 USD
-0.27 (-2.8%)
Taking everything into account, PAGS scores 5 out of 10 in our fundamental rating. PAGS was compared to 98 industry peers in the Financial Services industry. PAGS has only an average score on both its financial health and profitability. PAGS scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
PAGS had positive earnings in the past year.
PAGS had a positive operating cash flow in the past year.
In the past 5 years PAGS has always been profitable.
PAGS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.08%, PAGS is in the better half of the industry, outperforming 69.39% of the companies in the same industry.
With a decent Return On Equity value of 15.03%, PAGS is doing good in the industry, outperforming 73.47% of the companies in the same industry.
PAGS has a better Return On Invested Capital (19.95%) than 93.88% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PAGS is significantly above the industry average of 7.85%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.08% | ||
| ROE | 15.03% | ||
| ROIC | 19.95% |
ROA(3y)3.07%
ROA(5y)3.75%
ROE(3y)13.21%
ROE(5y)12.92%
ROIC(3y)22.59%
ROIC(5y)19.48%
1.3 Margins
PAGS has a Profit Margin (11.04%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of PAGS has declined.
The Operating Margin of PAGS (36.35%) is better than 76.53% of its industry peers.
PAGS's Operating Margin has been stable in the last couple of years.
PAGS has a better Gross Margin (50.58%) than 68.37% of its industry peers.
PAGS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.35% | ||
| PM (TTM) | 11.04% | ||
| GM | 50.58% |
OM growth 3Y16.32%
OM growth 5Y-0.01%
PM growth 3Y0.28%
PM growth 5Y-14.01%
GM growth 3Y3.28%
GM growth 5Y-0.92%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so PAGS is creating value.
The number of shares outstanding for PAGS remains at a similar level compared to 1 year ago.
The number of shares outstanding for PAGS remains at a similar level compared to 5 years ago.
The debt/assets ratio for PAGS is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.39, we must say that PAGS is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 1.39, PAGS is doing good in the industry, outperforming 65.31% of the companies in the same industry.
PAGS has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.24, PAGS is in the better half of the industry, outperforming 63.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.39 |
ROIC/WACC2.96
WACC6.73%
2.3 Liquidity
PAGS has a Current Ratio of 1.42. This is a normal value and indicates that PAGS is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Current ratio value of 1.42, PAGS is doing good in the industry, outperforming 66.33% of the companies in the same industry.
PAGS has a Quick Ratio of 1.42. This is a normal value and indicates that PAGS is financially healthy and should not expect problems in meeting its short term obligations.
PAGS has a better Quick ratio (1.42) than 67.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 |
3. Growth
3.1 Past
PAGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.73%, which is quite good.
Measured over the past years, PAGS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.65% on average per year.
PAGS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.19%.
The Revenue has been growing by 26.94% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)18.73%
EPS 3Y15.77%
EPS 5Y9.65%
EPS Q2Q%11.9%
Revenue 1Y (TTM)15.19%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%11%
3.2 Future
PAGS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.16% yearly.
PAGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.83% yearly.
EPS Next Y11.65%
EPS Next 2Y9.91%
EPS Next 3Y9.16%
EPS Next 5YN/A
Revenue Next Year12.66%
Revenue Next 2Y9.77%
Revenue Next 3Y7.79%
Revenue Next 5Y6.83%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
PAGS is valuated cheaply with a Price/Earnings ratio of 6.58.
Compared to the rest of the industry, the Price/Earnings ratio of PAGS indicates a rather cheap valuation: PAGS is cheaper than 85.71% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PAGS to the average of the S&P500 Index (25.67), we can say PAGS is valued rather cheaply.
The Price/Forward Earnings ratio is 5.73, which indicates a rather cheap valuation of PAGS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PAGS indicates a rather cheap valuation: PAGS is cheaper than 82.65% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 31.86, PAGS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.58 | ||
| Fwd PE | 5.73 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PAGS is valued cheaper than 98.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.43 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of PAGS may justify a higher PE ratio.
PEG (NY)0.56
PEG (5Y)0.68
EPS Next 2Y9.91%
EPS Next 3Y9.16%
5. Dividend
5.1 Amount
PAGS has a Yearly Dividend Yield of 1.49%. Purely for dividend investing, there may be better candidates out there.
PAGS's Dividend Yield is comparable with the industry average which is at 4.92.
PAGS's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.49% |
5.2 History
PAGS does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y9.91%
EPS Next 3Y9.16%
NYSE:PAGS (11/7/2025, 10:04:00 AM)
9.205
-0.27 (-2.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners70%
Inst Owner Change-0.19%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.81B
Revenue(TTM)19.85B
Net Income(TTM)2.19B
Analysts77.89
Price Target11.59 (25.91%)
Short Float %9.07%
Short Ratio3.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.49% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.43%
Min EPS beat(2)0.87%
Max EPS beat(2)3.98%
EPS beat(4)4
Avg EPS beat(4)5.11%
Min EPS beat(4)0.87%
Max EPS beat(4)11.5%
EPS beat(8)8
Avg EPS beat(8)4.99%
EPS beat(12)9
Avg EPS beat(12)3.18%
EPS beat(16)11
Avg EPS beat(16)2.06%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.53%
Max Revenue beat(2)-2.24%
Revenue beat(4)1
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-2.53%
Max Revenue beat(4)1.52%
Revenue beat(8)4
Avg Revenue beat(8)0.74%
Revenue beat(12)4
Avg Revenue beat(12)-1%
Revenue beat(16)7
Avg Revenue beat(16)0.05%
PT rev (1m)3.73%
PT rev (3m)3.31%
EPS NQ rev (1m)-0.19%
EPS NQ rev (3m)-0.08%
EPS NY rev (1m)0%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-1.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.58 | ||
| Fwd PE | 5.73 | ||
| P/S | 0.76 | ||
| P/FCF | N/A | ||
| P/OCF | 6.95 | ||
| P/B | 1.03 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 1.43 |
EPS(TTM)1.4
EY15.21%
EPS(NY)1.61
Fwd EY17.45%
FCF(TTM)-0.09
FCFYN/A
OCF(TTM)1.32
OCFY14.39%
SpS12.17
BVpS8.94
TBVpS7.07
PEG (NY)0.56
PEG (5Y)0.68
Graham Number16.78
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.08% | ||
| ROE | 15.03% | ||
| ROCE | 26.27% | ||
| ROIC | 19.95% | ||
| ROICexc | 21.02% | ||
| ROICexgc | 23.46% | ||
| OM | 36.35% | ||
| PM (TTM) | 11.04% | ||
| GM | 50.58% | ||
| FCFM | N/A |
ROA(3y)3.07%
ROA(5y)3.75%
ROE(3y)13.21%
ROE(5y)12.92%
ROIC(3y)22.59%
ROIC(5y)19.48%
ROICexc(3y)30.91%
ROICexc(5y)26.15%
ROICexgc(3y)37.53%
ROICexgc(5y)31.44%
ROCE(3y)27.45%
ROCE(5y)23.69%
ROICexgc growth 3Y-6.67%
ROICexgc growth 5Y-10.61%
ROICexc growth 3Y-4.13%
ROICexc growth 5Y-10.35%
OM growth 3Y16.32%
OM growth 5Y-0.01%
PM growth 3Y0.28%
PM growth 5Y-14.01%
GM growth 3Y3.28%
GM growth 5Y-0.92%
F-Score7
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.39 | ||
| Cap/Depr | 133.2% | ||
| Cap/Sales | 11.6% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 24.17% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 | ||
| Altman-Z | 1.39 |
F-Score7
WACC6.73%
ROIC/WACC2.96
Cap/Depr(3y)160.19%
Cap/Depr(5y)250.47%
Cap/Sales(3y)12.91%
Cap/Sales(5y)17.11%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.73%
EPS 3Y15.77%
EPS 5Y9.65%
EPS Q2Q%11.9%
EPS Next Y11.65%
EPS Next 2Y9.91%
EPS Next 3Y9.16%
EPS Next 5YN/A
Revenue 1Y (TTM)15.19%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%11%
Revenue Next Year12.66%
Revenue Next 2Y9.77%
Revenue Next 3Y7.79%
Revenue Next 5Y6.83%
EBIT growth 1Y21.19%
EBIT growth 3Y41.5%
EBIT growth 5Y26.93%
EBIT Next Year24.39%
EBIT Next 3Y17.74%
EBIT Next 5YN/A
FCF growth 1Y-106.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-44.47%
OCF growth 3YN/A
OCF growth 5YN/A
PAGSEGURO DIGITAL LTD-CL A / PAGS FAQ
What is the ChartMill fundamental rating of PAGSEGURO DIGITAL LTD-CL A (PAGS) stock?
ChartMill assigns a fundamental rating of 5 / 10 to PAGS.
What is the valuation status for PAGS stock?
ChartMill assigns a valuation rating of 7 / 10 to PAGSEGURO DIGITAL LTD-CL A (PAGS). This can be considered as Undervalued.
How profitable is PAGSEGURO DIGITAL LTD-CL A (PAGS) stock?
PAGSEGURO DIGITAL LTD-CL A (PAGS) has a profitability rating of 6 / 10.
What are the PE and PB ratios of PAGSEGURO DIGITAL LTD-CL A (PAGS) stock?
The Price/Earnings (PE) ratio for PAGSEGURO DIGITAL LTD-CL A (PAGS) is 6.58 and the Price/Book (PB) ratio is 1.03.
What is the expected EPS growth for PAGSEGURO DIGITAL LTD-CL A (PAGS) stock?
The Earnings per Share (EPS) of PAGSEGURO DIGITAL LTD-CL A (PAGS) is expected to grow by 11.65% in the next year.