PAGSEGURO DIGITAL LTD-CL A (PAGS) Fundamental Analysis & Valuation
NYSE:PAGS • KYG687071012
9.98 USD
+0.13 (+1.32%)
At close: Mar 9, 2026
9.98 USD
0 (0%)
After Hours: 3/9/2026, 8:04:00 PM
This PAGS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes PAGS very considerable for value investing!
1. PAGS Profitability Analysis
1.1 Basic Checks
- In the past year PAGS was profitable.
- PAGS had a positive operating cash flow in the past year.
- In the past 5 years PAGS has always been profitable.
- Of the past 5 years PAGS 4 years had a positive operating cash flow.
1.2 Ratios
- PAGS has a better Return On Assets (3.06%) than 67.35% of its industry peers.
- The Return On Equity of PAGS (14.88%) is better than 76.53% of its industry peers.
- PAGS has a better Return On Invested Capital (21.87%) than 94.90% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 11.01%, PAGS is in line with its industry, outperforming 52.04% of the companies in the same industry.
- In the last couple of years the Profit Margin of PAGS has declined.
- PAGS has a Operating Margin of 38.12%. This is amongst the best in the industry. PAGS outperforms 80.61% of its industry peers.
- PAGS's Operating Margin has improved in the last couple of years.
- The Gross Margin of PAGS (51.55%) is better than 70.41% of its industry peers.
- PAGS's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. PAGS Health Analysis
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so PAGS is creating value.
- There is no outstanding debt for PAGS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- PAGS has an Altman-Z score of 1.41. This is a bad value and indicates that PAGS is not financially healthy and even has some risk of bankruptcy.
- PAGS's Altman-Z score of 1.41 is fine compared to the rest of the industry. PAGS outperforms 69.39% 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.
- 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 Debt to Equity ratio of 0.17. This is in the better half of the industry: PAGS outperforms 66.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 1.41 |
ROIC/WACC2.73
WACC8.02%
2.3 Liquidity
- A Current Ratio of 1.42 indicates that PAGS should not have too much problems paying its short term obligations.
- PAGS has a better Current ratio (1.42) than 65.31% 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 66.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 |
3. PAGS Growth Analysis
3.1 Past
- PAGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.98%, 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 12.67% on average per year.
- Looking at the last year, PAGS shows a quite strong growth in Revenue. The Revenue has grown by 8.51% in the last year.
- PAGS shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.53% yearly.
EPS 1Y (TTM)10.98%
EPS 3Y17.92%
EPS 5Y12.67%
EPS Q2Q%11.92%
Revenue 1Y (TTM)8.51%
Revenue growth 3Y10%
Revenue growth 5Y24.53%
Sales Q2Q%2.21%
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 10.64% yearly.
- Based on estimates for the next years, PAGS will show a small growth in Revenue. The Revenue will grow by 5.86% on average per year.
EPS Next Y10.61%
EPS Next 2Y8.5%
EPS Next 3Y10.64%
EPS Next 5YN/A
Revenue Next Year5.68%
Revenue Next 2Y4.88%
Revenue Next 3Y4.31%
Revenue Next 5Y5.86%
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. PAGS Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 6.61 indicates a rather cheap valuation of PAGS.
- Based on the Price/Earnings ratio, PAGS is valued cheaply inside the industry as 84.69% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of PAGS to the average of the S&P500 Index (26.46), we can say PAGS is valued rather cheaply.
- A Price/Forward Earnings ratio of 5.99 indicates a rather cheap valuation of PAGS.
- Based on the Price/Forward Earnings ratio, PAGS is valued cheaper than 83.67% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.65. PAGS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.61 | ||
| Fwd PE | 5.99 |
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 98.98% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, PAGS is valued cheaply inside the industry as 90.82% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.69 | ||
| EV/EBITDA | 1.38 |
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)0.62
PEG (5Y)0.52
EPS Next 2Y8.5%
EPS Next 3Y10.64%
5. PAGS Dividend Analysis
5.1 Amount
- PAGS has a Yearly Dividend Yield of 1.42%. Purely for dividend investing, there may be better candidates out there.
- PAGS's Dividend Yield is comparable with the industry average which is at 2.34.
- Compared to the average S&P500 Dividend Yield of 1.82, PAGS is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.42% |
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 2Y8.5%
EPS Next 3Y10.64%
PAGS Fundamentals: All Metrics, Ratios and Statistics
9.98
+0.13 (+1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-04 2026-03-04/amc
Earnings (Next)05-11 2026-05-11
Inst Owners66.21%
Inst Owner Change-9.41%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.05B
Revenue(TTM)20.41B
Net Income(TTM)2.22B
Analysts75.79
Price Target12.34 (23.65%)
Short Float %9.38%
Short Ratio4.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.42% |
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)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)-0.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.61 | ||
| Fwd PE | 5.99 | ||
| P/S | 0.79 | ||
| P/FCF | 5.69 | ||
| P/OCF | 3.17 | ||
| P/B | 1.07 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | 1.38 |
EPS(TTM)1.51
EY15.13%
EPS(NY)1.67
Fwd EY16.7%
FCF(TTM)1.75
FCFY17.57%
OCF(TTM)3.15
OCFY31.55%
SpS12.59
BVpS9.31
TBVpS7.39
PEG (NY)0.62
PEG (5Y)0.52
Graham Number17.79
Profitability
| Industry Rank | Sector 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 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 | 1.41 |
F-Score8
WACC8.02%
ROIC/WACC2.73
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)10.98%
EPS 3Y17.92%
EPS 5Y12.67%
EPS Q2Q%11.92%
EPS Next Y10.61%
EPS Next 2Y8.5%
EPS Next 3Y10.64%
EPS Next 5YN/A
Revenue 1Y (TTM)8.51%
Revenue growth 3Y10%
Revenue growth 5Y24.53%
Sales Q2Q%2.21%
Revenue Next Year5.68%
Revenue Next 2Y4.88%
Revenue Next 3Y4.31%
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 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 10.61% in the next year.