PAGSEGURO DIGITAL LTD-CL A (PAGS) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:PAGS • KYG687071012
10.99 USD
+0.38 (+3.58%)
At close: Feb 6, 2026
11.05 USD
+0.06 (+0.55%)
Pre-Market: 2/9/2026, 7:00:04 AM
PAGS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 96 industry peers in the Financial Services industry. PAGS has an average financial health and profitability rating. 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.
- PAGS had positive earnings in each of the past 5 years.
- 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 68.75% of its industry peers.
- With a decent Return On Equity value of 14.88%, PAGS is doing good in the industry, outperforming 77.08% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 21.73%, PAGS belongs to the best of the industry, outperforming 94.79% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for PAGS is significantly above the industry average of 8.60%.
| 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
- Looking at the Profit Margin, with a value of 11.01%, PAGS is in line with its industry, outperforming 54.17% of the companies in the same industry.
- PAGS's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 38.12%, PAGS is in the better half of the industry, outperforming 79.17% of the companies in the same industry.
- In the last couple of years the Operating Margin of PAGS has remained more or less at the same level.
- PAGS has a Gross Margin of 51.55%. This is in the better half of the industry: PAGS outperforms 69.79% of its industry peers.
- PAGS's Gross Margin has been stable in the last couple of years.
| 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.
- The number of shares outstanding for PAGS remains at a similar level compared to 1 year ago.
- PAGS has about the same amout of shares outstanding than it did 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 1.43. This is a bad value and indicates that PAGS is not financially healthy and even has some risk of bankruptcy.
- With a decent Altman-Z score value of 1.43, PAGS is doing good in the industry, outperforming 66.67% of the companies in the same industry.
- PAGS has a debt to FCF ratio of 0.88. This is a very positive value and a sign of high solvency as it would only need 0.88 years to pay back of 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 82.29% 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.
- With a decent Debt to Equity ratio value of 0.17, PAGS is doing good in the industry, outperforming 67.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 1.43 |
ROIC/WACC2.59
WACC8.39%
2.3 Liquidity
- A Current Ratio of 1.42 indicates that PAGS should not have too much problems paying its short term obligations.
- The Current ratio of PAGS (1.42) is better than 66.67% of its industry peers.
- A Quick Ratio of 1.42 indicates that PAGS should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.42, PAGS is in the better half of the industry, outperforming 67.71% of the companies in the same industry.
| 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 13.69%, 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.
- The Revenue has grown by 11.57% in the past year. This is quite good.
- 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
- The Earnings Per Share is expected to grow by 10.73% on average over the next years. This is quite good.
- 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 Y10.36%
EPS Next 2Y10.79%
EPS Next 3Y9.32%
EPS Next 5Y10.73%
Revenue Next Year10.22%
Revenue Next 2Y7.93%
Revenue Next 3Y6.63%
Revenue Next 5Y7.15%
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
- Based on the Price/Earnings ratio of 7.53, the valuation of PAGS can be described as very cheap.
- 83.33% of the companies in the same industry are more expensive than PAGS, based on the Price/Earnings ratio.
- PAGS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.93.
- With a Price/Forward Earnings ratio of 6.60, the valuation of PAGS can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PAGS indicates a rather cheap valuation: PAGS is cheaper than 82.29% of the companies listed in the same industry.
- PAGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.53 | ||
| Fwd PE | 6.6 |
4.2 Price Multiples
- 97.92% of the companies in the same industry are more expensive than PAGS, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, PAGS is valued cheaper than 89.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.28 | ||
| EV/EBITDA | 1.55 |
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.
- PAGS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.73
PEG (5Y)0.78
EPS Next 2Y10.79%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.32%, PAGS has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.03, PAGS has a dividend in line with its industry peers.
- Compared to the average S&P500 Dividend Yield of 1.81, PAGS is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
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 2Y10.79%
EPS Next 3Y9.32%
10.99
+0.38 (+3.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-04 2026-03-04/amc
Inst Owners70.41%
Inst Owner Change0.1%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.36B
Revenue(TTM)20.13B
Net Income(TTM)2.22B
Analysts76.84
Price Target12.34 (12.28%)
Short Float %10.11%
Short Ratio4.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
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)2.31%
PT rev (3m)6.48%
EPS NQ rev (1m)-0.48%
EPS NQ rev (3m)1.09%
EPS NY rev (1m)0.32%
EPS NY rev (3m)-0.49%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)-3.53%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)-2.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.53 | ||
| Fwd PE | 6.6 | ||
| P/S | 0.87 | ||
| P/FCF | 6.28 | ||
| P/OCF | 3.5 | ||
| P/B | 1.18 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | 1.55 |
EPS(TTM)1.46
EY13.28%
EPS(NY)1.66
Fwd EY15.14%
FCF(TTM)1.75
FCFY15.93%
OCF(TTM)3.14
OCFY28.61%
SpS12.57
BVpS9.3
TBVpS7.38
PEG (NY)0.73
PEG (5Y)0.78
Graham Number17.48
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 | 1.43 |
F-Score8
WACC8.39%
ROIC/WACC2.59
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 Y10.36%
EPS Next 2Y10.79%
EPS Next 3Y9.32%
EPS Next 5Y10.73%
Revenue 1Y (TTM)11.57%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%5.67%
Revenue Next Year10.22%
Revenue Next 2Y7.93%
Revenue Next 3Y6.63%
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 10.36% in the next year.