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

NYSE:PAGS • KYG687071012

10.77 USD
-0.16 (-1.46%)
At close: Feb 25, 2026
10.77 USD
0 (0%)
After Hours: 2/25/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, PAGS scores 6 out of 10 in our fundamental rating. PAGS was compared to 98 industry peers in the Financial Services industry. PAGS has an average financial health and profitability rating. PAGS may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make PAGS a good candidate for value investing.


Dividend Valuation Growth Profitability Health

6

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.
  • 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 0 2B -2B 4B -4B 6B

1.2 Ratios

  • The Return On Assets of PAGS (3.06%) is better than 67.35% of its industry peers.
  • PAGS has a Return On Equity of 14.88%. This is in the better half of the industry: PAGS outperforms 76.53% of its industry peers.
  • PAGS has a better Return On Invested Capital (21.73%) than 94.90% 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 8.40%.
Industry RankSector 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%
PAGS Yearly ROA, ROE, ROICPAGS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

  • Looking at the Profit Margin, with a value of 11.01%, PAGS is in line with its industry, outperforming 54.08% of the companies in the same 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 79.59% of its industry peers.
  • PAGS's Operating Margin has been stable in the last couple of years.
  • PAGS has a better Gross Margin (51.55%) than 70.41% of its industry peers.
  • In the last couple of years the Gross Margin of PAGS has remained more or less at the same level.
Industry RankSector 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%
PAGS Yearly Profit, Operating, Gross MarginsPAGS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), PAGS is creating value.
  • The number of shares outstanding for PAGS remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, PAGS has about the same amount of shares outstanding.
  • PAGS has a worse debt/assets ratio than last year.
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 better Altman-Z score (1.42) than 67.35% 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 better Debt to FCF ratio (0.88) than 81.63% of its industry peers.
  • A Debt/Equity ratio of 0.17 indicates that PAGS is not too dependend on debt financing.
  • PAGS has a better Debt to Equity ratio (0.17) than 67.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.88
Altman-Z 1.42
ROIC/WACC2.73
WACC7.97%
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 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 better Current ratio (1.42) than 66.33% 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's Quick ratio of 1.42 is fine compared to the rest of the industry. PAGS outperforms 67.35% 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 13.69% over the past year.
  • 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 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

  • 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

  • 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.
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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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.23, the valuation of PAGS can be described as very cheap.
  • Based on the Price/Earnings ratio, PAGS is valued cheaper than 82.65% of the companies in the same industry.
  • PAGS is valuated cheaply when we compare the Price/Earnings ratio to 27.05, which is the current average of the S&P500 Index.
  • PAGS is valuated cheaply with a Price/Forward Earnings ratio of 6.34.
  • Based on the Price/Forward Earnings ratio, PAGS is valued cheaper than 82.65% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of PAGS to the average of the S&P500 Index (28.03), we can say PAGS is valued rather cheaply.
Industry RankSector Rank
PE 7.23
Fwd PE 6.34
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 98.98% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, PAGS is valued cheaper than 90.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.02
EV/EBITDA 1.48
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

  • 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)0.7
PEG (5Y)0.75
EPS Next 2Y10.79%
EPS Next 3Y9.32%

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

1

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.27%, PAGS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.23, PAGS has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.80, PAGS is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.27%

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
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 2Y10.79%
EPS Next 3Y9.32%
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 0 2B -2B -4B

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Find the best dividend stocksShow peers with best dividend

PAGSEGURO DIGITAL LTD-CL A

NYSE:PAGS (2/25/2026, 8:04:00 PM)

After market: 10.77 0 (0%)

10.77

-0.16 (-1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)03-04
Inst Owners70.41%
Inst Owner Change-9.42%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.29B
Revenue(TTM)20.13B
Net Income(TTM)2.22B
Analysts75.79
Price Target12.34 (14.58%)
Short Float %10.81%
Short Ratio5.02
Dividend
Industry RankSector Rank
Dividend Yield 1.27%
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)2.31%
PT rev (3m)5.3%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)1.21%
EPS NY rev (1m)0.64%
EPS NY rev (3m)-0.49%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)-1.95%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-2.12%
Valuation
Industry RankSector Rank
PE 7.23
Fwd PE 6.34
P/S 0.84
P/FCF 6.02
P/OCF 3.35
P/B 1.13
P/tB 1.43
EV/EBITDA 1.48
EPS(TTM)1.49
EY13.83%
EPS(NY)1.7
Fwd EY15.78%
FCF(TTM)1.79
FCFY16.6%
OCF(TTM)3.21
OCFY29.81%
SpS12.84
BVpS9.5
TBVpS7.54
PEG (NY)0.7
PEG (5Y)0.75
Graham Number17.84
Profitability
Industry RankSector 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 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
WACC7.97%
ROIC/WACC2.73
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.