PAGSEGURO DIGITAL LTD-CL A (PAGS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PAGS - KYG687071012 - Common Stock
10.08 USD
-0.15 (-1.47%)
10.01 USD
-0.07 (-0.69%)
Overall PAGS gets a fundamental rating of 6 out of 10. We evaluated PAGS against 97 industry peers in the Financial Services industry. Both the profitability and the financial health of PAGS get a neutral evaluation. Nothing too spectacular is happening here. PAGS is valued quite cheap, while showing a decent growth score. This is a good combination! This makes PAGS very considerable for value investing!
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.
- Each year in the past 5 years PAGS has been profitable.
- Of the past 5 years PAGS 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of PAGS (3.06%) is better than 69.07% of its industry peers.
- Looking at the Return On Equity, with a value of 14.88%, PAGS is in the better half of the industry, outperforming 76.29% of the companies in the same industry.
- PAGS has a better Return On Invested Capital (21.73%) than 94.85% of its industry peers.
- PAGS had an Average Return On Invested Capital over the past 3 years of 22.59%. This is significantly above the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.06% | ||
| ROE | 14.88% | ||
| ROIC | 21.73% |
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
- The Profit Margin of PAGS (11.01%) is comparable to the rest of the industry.
- PAGS's Profit Margin has declined in the last couple of years.
- PAGS's Operating Margin of 38.12% is fine compared to the rest of the industry. PAGS outperforms 78.35% of its industry peers.
- PAGS's Operating Margin has been stable in the last couple of years.
- With a decent Gross Margin value of 51.55%, PAGS is doing good in the industry, outperforming 69.07% of the companies in the same industry.
- In the last couple of years the Gross Margin of PAGS has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.12% | ||
| PM (TTM) | 11.01% | ||
| GM | 51.55% |
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.
- PAGS has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for PAGS remains at a similar level compared to 5 years ago.
- Compared to 1 year ago, PAGS has a worse debt to assets ratio.
2.2 Solvency
- PAGS has an Altman-Z score of 1.42. This is a bad value and indicates that PAGS is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of PAGS (1.42) is better than 65.98% of its industry peers.
- The Debt to FCF ratio of PAGS is 0.88, which is an excellent value as it means it would take PAGS, only 0.88 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.88, PAGS belongs to the top of the industry, outperforming 82.47% of the companies in the same industry.
- PAGS has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of PAGS (0.17) is better than 68.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 1.42 |
ROIC/WACC2.7
WACC8.05%
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.
- The Current ratio of PAGS (1.42) is better than 67.01% of its industry peers.
- A Quick Ratio of 1.42 indicates that PAGS should not have too much problems paying its short term obligations.
- The Quick ratio of PAGS (1.42) is better than 68.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 13.69% over the past year.
- The Earnings Per Share has been growing by 9.65% on average over the past years. This is quite good.
- Looking at the last year, PAGS shows a quite strong growth in Revenue. The Revenue has grown by 11.57% in the last year.
- PAGS shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.94% yearly.
EPS 1Y (TTM)13.69%
EPS 3Y15.77%
EPS 5Y9.65%
EPS Q2Q%8.99%
Revenue 1Y (TTM)11.57%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%5.67%
3.2 Future
- Based on estimates for the next years, PAGS will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.73% on average per year.
- Based on estimates for the next years, PAGS will show a small growth in Revenue. The Revenue will grow by 7.15% on average per year.
EPS Next Y10.01%
EPS Next 2Y10.22%
EPS Next 3Y9.3%
EPS Next 5Y10.73%
Revenue Next Year10.08%
Revenue Next 2Y7.71%
Revenue Next 3Y6.35%
Revenue Next 5Y7.15%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- 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
- The Price/Earnings ratio is 7.10, which indicates a rather cheap valuation of PAGS.
- Based on the Price/Earnings ratio, PAGS is valued cheaply inside the industry as 84.54% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, PAGS is valued rather cheaply.
- A Price/Forward Earnings ratio of 6.28 indicates a rather cheap valuation of PAGS.
- Based on the Price/Forward Earnings ratio, PAGS is valued cheaply inside the industry as 84.54% of the companies are valued more expensively.
- PAGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 6.28 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PAGS indicates a rather cheap valuation: PAGS is cheaper than 97.94% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, PAGS is valued cheaper than 91.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.9 | ||
| EV/EBITDA | 1.44 |
4.3 Compensation for Growth
- PAGS's 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)0.71
PEG (5Y)0.74
EPS Next 2Y10.22%
EPS Next 3Y9.3%
5. Dividend
5.1 Amount
- PAGS has a Yearly Dividend Yield of 1.37%. Purely for dividend investing, there may be better candidates out there.
- PAGS's Dividend Yield is comparable with the industry average which is at 2.24.
- PAGS's Dividend Yield is slightly below the S&P500 average, which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
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 2Y10.22%
EPS Next 3Y9.3%
10.08
-0.15 (-1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)02-18 2026-02-18/amc
Inst Owners70.41%
Inst Owner Change-0.05%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.08B
Revenue(TTM)20.13B
Net Income(TTM)2.22B
Analysts76.84
Price Target12.06 (19.64%)
Short Float %10.88%
Short Ratio4.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date01-28 2026-01-28 (0.12)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.54%
Min EPS beat(2)-0.91%
Max EPS beat(2)3.98%
EPS beat(4)3
Avg EPS beat(4)3.86%
Min EPS beat(4)-0.91%
Max EPS beat(4)11.5%
EPS beat(8)7
Avg EPS beat(8)4.87%
EPS beat(12)9
Avg EPS beat(12)3.34%
EPS beat(16)10
Avg EPS beat(16)1.96%
Revenue beat(2)0
Avg Revenue beat(2)-4.3%
Min Revenue beat(2)-6.36%
Max Revenue beat(2)-2.24%
Revenue beat(4)0
Avg Revenue beat(4)-2.82%
Min Revenue beat(4)-6.36%
Max Revenue beat(4)-0.16%
Revenue beat(8)4
Avg Revenue beat(8)0.09%
Revenue beat(12)4
Avg Revenue beat(12)-1.29%
Revenue beat(16)6
Avg Revenue beat(16)-0.47%
PT rev (1m)1.56%
PT rev (3m)2.44%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)-3.29%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)-1.47%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)-4.03%
Revenue NY rev (1m)-1.34%
Revenue NY rev (3m)-2.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 6.28 | ||
| P/S | 0.82 | ||
| P/FCF | 5.9 | ||
| P/OCF | 3.29 | ||
| P/B | 1.11 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | 1.44 |
EPS(TTM)1.42
EY14.09%
EPS(NY)1.61
Fwd EY15.93%
FCF(TTM)1.71
FCFY16.94%
OCF(TTM)3.06
OCFY30.41%
SpS12.26
BVpS9.07
TBVpS7.2
PEG (NY)0.71
PEG (5Y)0.74
Graham Number17.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.06% | ||
| ROE | 14.88% | ||
| ROCE | 27.62% | ||
| ROIC | 21.73% | ||
| ROICexc | 23.17% | ||
| ROICexgc | 25.99% | ||
| OM | 38.12% | ||
| PM (TTM) | 11.01% | ||
| GM | 51.55% | ||
| FCFM | 13.93% |
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-Score8
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Debt/EBITDA | 0.26 | ||
| Cap/Depr | 125.73% | ||
| Cap/Sales | 11.08% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 53.28% | ||
| Profit Quality | 126.54% | ||
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 | ||
| Altman-Z | 1.42 |
F-Score8
WACC8.05%
ROIC/WACC2.7
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)13.69%
EPS 3Y15.77%
EPS 5Y9.65%
EPS Q2Q%8.99%
EPS Next Y10.01%
EPS Next 2Y10.22%
EPS Next 3Y9.3%
EPS Next 5Y10.73%
Revenue 1Y (TTM)11.57%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%5.67%
Revenue Next Year10.08%
Revenue Next 2Y7.71%
Revenue Next 3Y6.35%
Revenue Next 5Y7.15%
EBIT growth 1Y24.4%
EBIT growth 3Y41.5%
EBIT growth 5Y26.93%
EBIT Next Year23.83%
EBIT Next 3Y19.53%
EBIT Next 5YN/A
FCF growth 1Y43.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y32.66%
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 6 / 10 to PAGS.
Can you provide the valuation status for PAGSEGURO DIGITAL LTD-CL A?
ChartMill assigns a valuation rating of 9 / 10 to PAGSEGURO DIGITAL LTD-CL A (PAGS). This can be considered as Undervalued.
What is the profitability of PAGS stock?
PAGSEGURO DIGITAL LTD-CL A (PAGS) has a profitability rating of 6 / 10.
How financially healthy is PAGSEGURO DIGITAL LTD-CL A?
The financial health rating of PAGSEGURO DIGITAL LTD-CL A (PAGS) is 6 / 10.
Can you provide the expected EPS growth for PAGS stock?
The Earnings per Share (EPS) of PAGSEGURO DIGITAL LTD-CL A (PAGS) is expected to grow by 10.01% in the next year.