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PAGSEGURO DIGITAL LTD-CL A (PAGS) Stock Fundamental Analysis

NYSE:PAGS - New York Stock Exchange, Inc. - KYG687071012 - Common Stock - Currency: USD

8.47  -0.06 (-0.7%)

After market: 8.52 +0.05 (+0.59%)

Fundamental Rating

5

Taking everything into account, PAGS scores 5 out of 10 in our fundamental rating. PAGS was compared to 101 industry peers in the Financial Services industry. PAGS has an average financial health and profitability rating. PAGS is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year PAGS was profitable.
In the past year PAGS has reported a negative 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B

1.2 Ratios

PAGS's Return On Assets of 2.98% is fine compared to the rest of the industry. PAGS outperforms 64.36% of its industry peers.
PAGS's Return On Equity of 13.88% is fine compared to the rest of the industry. PAGS outperforms 68.32% of its industry peers.
With an excellent Return On Invested Capital value of 16.99%, PAGS belongs to the best of the industry, outperforming 93.07% of the companies in the same industry.
Industry RankSector Rank
ROA 2.98%
ROE 13.88%
ROIC 16.99%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

PAGS has a Profit Margin (11.12%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of PAGS has declined.
With a decent Operating Margin value of 34.19%, PAGS is doing good in the industry, outperforming 78.22% 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.
Looking at the Gross Margin, with a value of 48.99%, PAGS is in the better half of the industry, outperforming 70.30% 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 RankSector Rank
OM 34.19%
PM (TTM) 11.12%
GM 48.99%
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%
PAGS Yearly Profit, Operating, Gross MarginsPAGS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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4

2. Health

2.1 Basic Checks

PAGS has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M
PAGS Yearly Total Debt VS Total AssetsPAGS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B 50B

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.
PAGS has a better Altman-Z score (1.43) than 68.32% of its industry peers.
PAGS has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PAGS (0.21) is better than 66.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF N/A
Altman-Z 1.43
ROIC/WACC1.07
WACC15.83%
PAGS Yearly LT Debt VS Equity VS FCFPAGS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B

2.3 Liquidity

PAGS has a Current Ratio of 1.52. 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 (1.52) is better than 69.31% of its industry peers.
A Quick Ratio of 1.52 indicates that PAGS should not have too much problems paying its short term obligations.
The Quick ratio of PAGS (1.52) is better than 70.30% of its industry peers.
Industry RankSector Rank
Current Ratio 1.52
Quick Ratio 1.52
PAGS Yearly Current Assets VS Current LiabilitesPAGS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B

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6

3. Growth

3.1 Past

PAGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.04%, which is quite impressive.
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.
Looking at the last year, PAGS shows a quite strong growth in Revenue. The Revenue has grown by 17.94% in the last year.
Measured over the past years, PAGS shows a very strong growth in Revenue. The Revenue has been growing by 26.94% on average per year.
EPS 1Y (TTM)30.04%
EPS 3Y15.77%
EPS 5Y9.65%
EPS Q2Q%23.31%
Revenue 1Y (TTM)17.94%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%17.67%

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 8.75% yearly.
Based on estimates for the next years, PAGS will show a small growth in Revenue. The Revenue will grow by 2.57% on average per year.
EPS Next Y5.34%
EPS Next 2Y9.91%
EPS Next 3Y8.75%
EPS Next 5YN/A
Revenue Next Year14.24%
Revenue Next 2Y10.29%
Revenue Next 3Y7.68%
Revenue Next 5Y2.57%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PAGS Yearly Revenue VS EstimatesPAGS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
PAGS Yearly EPS VS EstimatesPAGS Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.00, the valuation of PAGS can be described as very cheap.
Based on the Price/Earnings ratio, PAGS is valued cheaper than 83.17% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.63, PAGS is valued rather cheaply.
A Price/Forward Earnings ratio of 6.66 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 83.17% of the companies listed in the same industry.
PAGS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.85.
Industry RankSector Rank
PE 7
Fwd PE 6.66
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 cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 0.62
PAGS Per share dataPAGS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.31
PEG (5Y)0.73
EPS Next 2Y9.91%
EPS Next 3Y8.75%

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0

5. Dividend

5.1 Amount

No dividends for PAGS!.
Industry RankSector Rank
Dividend Yield N/A

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PAGSEGURO DIGITAL LTD-CL A

NYSE:PAGS (4/21/2025, 8:04:00 PM)

After market: 8.52 +0.05 (+0.59%)

8.47

-0.06 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-20 2025-02-20/amc
Earnings (Next)05-13 2025-05-13/amc
Inst Owners83.84%
Inst Owner Change-0.28%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.64B
Analysts73.33
Price Target10.55 (24.56%)
Short Float %8.75%
Short Ratio3.67
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.84%
Min EPS beat(2)2.2%
Max EPS beat(2)3.47%
EPS beat(4)4
Avg EPS beat(4)5.5%
Min EPS beat(4)2.2%
Max EPS beat(4)8.82%
EPS beat(8)6
Avg EPS beat(8)2.89%
EPS beat(12)7
Avg EPS beat(12)1.2%
EPS beat(16)9
Avg EPS beat(16)0.12%
Revenue beat(2)2
Avg Revenue beat(2)3.43%
Min Revenue beat(2)1.52%
Max Revenue beat(2)5.33%
Revenue beat(4)4
Avg Revenue beat(4)3%
Min Revenue beat(4)1.28%
Max Revenue beat(4)5.33%
Revenue beat(8)4
Avg Revenue beat(8)-0.52%
Revenue beat(12)6
Avg Revenue beat(12)0.32%
Revenue beat(16)10
Avg Revenue beat(16)0.79%
PT rev (1m)0%
PT rev (3m)-14.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.13%
EPS NY rev (1m)6.72%
EPS NY rev (3m)2.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)1.09%
Revenue NY rev (3m)3.45%
Valuation
Industry RankSector Rank
PE 7
Fwd PE 6.66
P/S 0.86
P/FCF N/A
P/OCF N/A
P/B 1.07
P/tB 1.34
EV/EBITDA 0.62
EPS(TTM)1.21
EY14.29%
EPS(NY)1.27
Fwd EY15.01%
FCF(TTM)-1.61
FCFYN/A
OCF(TTM)-0.36
OCFYN/A
SpS9.85
BVpS7.89
TBVpS6.34
PEG (NY)1.31
PEG (5Y)0.73
Profitability
Industry RankSector Rank
ROA 2.98%
ROE 13.88%
ROCE 21.99%
ROIC 16.99%
ROICexc 20.7%
ROICexgc 23.28%
OM 34.19%
PM (TTM) 11.12%
GM 48.99%
FCFM N/A
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
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-Score5
Asset Turnover0.27
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF N/A
Debt/EBITDA 0.39
Cap/Depr 149.31%
Cap/Sales 12.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.52
Quick Ratio 1.52
Altman-Z 1.43
F-Score5
WACC15.83%
ROIC/WACC1.07
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)30.04%
EPS 3Y15.77%
EPS 5Y9.65%
EPS Q2Q%23.31%
EPS Next Y5.34%
EPS Next 2Y9.91%
EPS Next 3Y8.75%
EPS Next 5YN/A
Revenue 1Y (TTM)17.94%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%17.67%
Revenue Next Year14.24%
Revenue Next 2Y10.29%
Revenue Next 3Y7.68%
Revenue Next 5Y2.57%
EBIT growth 1Y10.98%
EBIT growth 3Y41.5%
EBIT growth 5Y26.93%
EBIT Next Year24.37%
EBIT Next 3Y20.26%
EBIT Next 5YN/A
FCF growth 1Y-251.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-117.14%
OCF growth 3YN/A
OCF growth 5YN/A