PAGSEGURO DIGITAL LTD-CL A (PAGS) Fundamental Analysis & Valuation

NYSE:PAGS • KYG687071012

Current stock price

9.89 USD
-0.34 (-3.32%)
Last:

This PAGS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. PAGS Profitability Analysis

1.1 Basic Checks

  • PAGS had positive earnings in the past year.
  • In the past year PAGS had a positive cash flow from operations.
  • PAGS had positive earnings in each of the past 5 years.
  • PAGS had a positive operating cash flow in 4 of the past 5 years.
PAGS Yearly Net Income VS EBIT VS OCF VS FCFPAGS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B 6B 8B

1.2 Ratios

  • With a decent Return On Assets value of 3.06%, PAGS is doing good in the industry, outperforming 67.00% of the companies in the same industry.
  • PAGS's Return On Equity of 14.88% is fine compared to the rest of the industry. PAGS outperforms 80.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 21.87%, PAGS belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
Industry RankSector Rank
ROA 3.06%
ROE 14.88%
ROIC 21.87%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
PAGS Yearly ROA, ROE, ROICPAGS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

1.3 Margins

  • PAGS has a Profit Margin (11.01%) which 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 80.00% of its industry peers.
  • PAGS's Operating Margin has improved in the last couple of years.
  • PAGS's Gross Margin of 51.55% is fine compared to the rest of the industry. PAGS outperforms 71.00% of its industry peers.
  • In the last couple of years the Gross Margin of PAGS has grown nicely.
Industry RankSector Rank
OM 38.12%
PM (TTM) 11.01%
GM 51.55%
OM growth 3Y4.96%
OM growth 5Y7.71%
PM growth 3Y1.88%
PM growth 5Y-11.35%
GM growth 3Y0.78%
GM growth 5Y3.3%
PAGS Yearly Profit, Operating, Gross MarginsPAGS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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6

2. PAGS Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), PAGS is creating value.
  • PAGS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PAGS Yearly Shares OutstandingPAGS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
PAGS Yearly Total Debt VS Total AssetsPAGS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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.
  • PAGS has a Altman-Z score of 1.42. This is in the better half of the industry: PAGS outperforms 71.00% of its industry peers.
  • 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.
  • PAGS has a Debt to FCF ratio of 0.88. This is amongst the best in the industry. PAGS outperforms 83.00% of its industry peers.
  • 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 69.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.88
Altman-Z 1.42
ROIC/WACC3
WACC7.28%
PAGS Yearly LT Debt VS Equity VS FCFPAGS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B 10B

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.
  • PAGS has a Current ratio of 1.42. This is in the better half of the industry: PAGS outperforms 66.00% of its industry peers.
  • A Quick Ratio of 1.42 indicates that PAGS should not have too much problems paying its short term obligations.
  • PAGS has a better Quick ratio (1.42) than 68.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.42
Quick Ratio 1.42
PAGS Yearly Current Assets VS Current LiabilitesPAGS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. PAGS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.11% over the past year.
  • The Earnings Per Share has been growing by 12.90% on average over the past years. This is quite good.
  • PAGS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.51%.
  • Measured over the past years, PAGS shows a very strong growth in Revenue. The Revenue has been growing by 24.53% on average per year.
EPS 1Y (TTM)12.11%
EPS 3Y18.32%
EPS 5Y12.9%
EPS Q2Q%15.92%
Revenue 1Y (TTM)8.51%
Revenue growth 3Y10%
Revenue growth 5Y24.53%
Sales Q2Q%5.51%

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 10.27% on average per year.
  • PAGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.86% yearly.
EPS Next Y9.49%
EPS Next 2Y7.95%
EPS Next 3Y10.27%
EPS Next 5YN/A
Revenue Next Year4.15%
Revenue Next 2Y5.23%
Revenue Next 3Y-6.82%
Revenue Next 5Y5.86%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PAGS Yearly Revenue VS EstimatesPAGS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 10B 20B 30B
PAGS Yearly EPS VS EstimatesPAGS Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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9

4. PAGS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.51 indicates a rather cheap valuation of PAGS.
  • PAGS's Price/Earnings ratio is rather cheap when compared to the industry. PAGS is cheaper than 82.00% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.61. PAGS is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 5.94, the valuation of PAGS can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PAGS is valued cheaper than 84.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.79, PAGS is valued rather cheaply.
Industry RankSector Rank
PE 6.51
Fwd PE 5.94
PAGS Price Earnings VS Forward Price EarningsPAGS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PAGS is valued cheaply inside the industry as 99.00% of the companies are valued more expensively.
  • 91.00% of the companies in the same industry are more expensive than PAGS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.64
EV/EBITDA 1.42
PAGS Per share dataPAGS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
  • PAGS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.69
PEG (5Y)0.5
EPS Next 2Y7.95%
EPS Next 3Y10.27%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. PAGS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.16%, PAGS is a good candidate for dividend investing.
  • PAGS's Dividend Yield is a higher than the industry average which is at 2.50.
  • Compared to an average S&P500 Dividend Yield of 1.89, PAGS pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.16%

5.2 History

  • PAGS is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
PAGS Yearly Dividends per sharePAGS Yearly Dividends per shareYearly Dividends per share 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

DPN/A
EPS Next 2Y7.95%
EPS Next 3Y10.27%
PAGS Yearly Income VS Free CF VS DividendPAGS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B

More info and screens

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PAGS Fundamentals: All Metrics, Ratios and Statistics

PAGSEGURO DIGITAL LTD-CL A

NYSE:PAGS (3/26/2026, 3:54:07 PM)

9.89

-0.34 (-3.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-04
Earnings (Next)05-11
Inst Owners66.21%
Inst Owner Change-9.41%
Ins OwnersN/A
Ins Owner Change0%
Market Cap3.02B
Revenue(TTM)20.41B
Net Income(TTM)2.22B
Analysts75.79
Price Target12.34 (24.77%)
Short Float %10.08%
Short Ratio4.22
Dividend
Industry RankSector Rank
Dividend Yield 4.16%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date01-28
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)0%
PT rev (3m)3.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.95%
EPS NY rev (1m)0%
EPS NY rev (3m)0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-1.45%
Revenue NY rev (3m)-3.15%
Valuation
Industry RankSector Rank
PE 6.51
Fwd PE 5.94
P/S 0.79
P/FCF 5.64
P/OCF 3.14
P/B 1.06
P/tB 1.34
EV/EBITDA 1.42
EPS(TTM)1.52
EY15.37%
EPS(NY)1.67
Fwd EY16.84%
FCF(TTM)1.75
FCFY17.72%
OCF(TTM)3.15
OCFY31.82%
SpS12.58
BVpS9.31
TBVpS7.39
PEG (NY)0.69
PEG (5Y)0.5
Graham Number17.84
Profitability
Industry RankSector Rank
ROA 3.06%
ROE 14.88%
ROCE 27.62%
ROIC 21.87%
ROICexc 23.32%
ROICexgc 26.16%
OM 38.12%
PM (TTM) 11.01%
GM 51.55%
FCFM 13.93%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4.96%
OM growth 5Y7.71%
PM growth 3Y1.88%
PM growth 5Y-11.35%
GM growth 3Y0.78%
GM growth 5Y3.3%
F-Score8
Asset Turnover0.28
Health
Industry RankSector 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
WACC7.28%
ROIC/WACC3
Cap/Depr(3y)139.2%
Cap/Depr(5y)166.89%
Cap/Sales(3y)11.99%
Cap/Sales(5y)13.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.11%
EPS 3Y18.32%
EPS 5Y12.9%
EPS Q2Q%15.92%
EPS Next Y9.49%
EPS Next 2Y7.95%
EPS Next 3Y10.27%
EPS Next 5YN/A
Revenue 1Y (TTM)8.51%
Revenue growth 3Y10%
Revenue growth 5Y24.53%
Sales Q2Q%5.51%
Revenue Next Year4.15%
Revenue Next 2Y5.23%
Revenue Next 3Y-6.82%
Revenue Next 5Y5.86%
EBIT growth 1Y24.4%
EBIT growth 3Y15.46%
EBIT growth 5Y34.13%
EBIT Next Year108.51%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y194.95%
FCF growth 3Y55.25%
FCF growth 5Y118.51%
OCF growth 1Y874.55%
OCF growth 3Y28.68%
OCF growth 5Y28.57%

PAGSEGURO DIGITAL LTD-CL A / PAGS Fundamental Analysis 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 9.49% in the next year.