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

NYSE:PAGS • KYG687071012

Current stock price

9.59 USD
+0.22 (+2.35%)
At close:
9.59 USD
0 (0%)
After Hours:

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

  • The Return On Assets of PAGS (3.06%) is better than 67.35% of its industry peers.
  • The Return On Equity of PAGS (14.88%) is better than 76.53% of its industry peers.
  • With an excellent Return On Invested Capital value of 21.87%, PAGS belongs to the best of the industry, outperforming 94.90% 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 of 11.01%. This is comparable to the rest of the industry: PAGS outperforms 52.04% of its industry peers.
  • PAGS's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 38.12%, PAGS belongs to the top of the industry, outperforming 80.61% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PAGS has grown nicely.
  • With a decent Gross Margin value of 51.55%, PAGS is doing good in the industry, outperforming 70.41% of the companies in the same industry.
  • PAGS's Gross Margin has improved in the last couple of years.
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

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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

  • Based on the Altman-Z score of 1.40, we must say that PAGS is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.40, PAGS is doing good in the industry, outperforming 70.41% 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.
  • With an excellent Debt to FCF ratio value of 0.88, PAGS belongs to the best of the industry, outperforming 81.63% of the companies in the same industry.
  • 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 66.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.88
Altman-Z 1.4
ROIC/WACC2.76
WACC7.91%
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 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 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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6

3. PAGS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.11% 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 12.90% 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)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

  • PAGS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.27% yearly.
  • The Revenue is expected to grow by 5.86% on average over the next years.
EPS Next Y9.49%
EPS Next 2Y7.95%
EPS Next 3Y10.27%
EPS Next 5YN/A
Revenue Next Year5.68%
Revenue Next 2Y4.88%
Revenue Next 3Y4.31%
Revenue Next 5Y5.86%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • 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 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

  • The Price/Earnings ratio is 6.31, which indicates a rather cheap valuation of PAGS.
  • Based on the Price/Earnings ratio, PAGS is valued cheaper than 84.69% of the companies in the same industry.
  • PAGS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.96.
  • With a Price/Forward Earnings ratio of 5.77, the valuation of PAGS can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PAGS is valued cheaply inside the industry as 83.67% of the companies are valued more expensively.
  • PAGS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
Industry RankSector Rank
PE 6.31
Fwd PE 5.77
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

  • 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.
  • PAGS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PAGS is cheaper than 91.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.48
EV/EBITDA 1.28
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)0.66
PEG (5Y)0.49
EPS Next 2Y7.95%
EPS Next 3Y10.27%

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1

5. PAGS Dividend Analysis

5.1 Amount

  • PAGS has a Yearly Dividend Yield of 1.49%.
  • PAGS's Dividend Yield is comparable with the industry average which is at 2.61.
  • Compared to the average S&P500 Dividend Yield of 1.91, PAGS is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.49%

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

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PAGS Fundamentals: All Metrics, Ratios and Statistics

PAGSEGURO DIGITAL LTD-CL A

NYSE:PAGS (3/16/2026, 8:04:00 PM)

After market: 9.59 0 (0%)

9.59

+0.22 (+2.35%)

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 ChangeN/A
Market Cap2.93B
Revenue(TTM)20.41B
Net Income(TTM)2.22B
Analysts75.79
Price Target12.34 (28.68%)
Short Float %10.08%
Short Ratio4.22
Dividend
Industry RankSector Rank
Dividend Yield 1.49%
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)0%
Revenue NY rev (3m)-1.73%
Valuation
Industry RankSector Rank
PE 6.31
Fwd PE 5.77
P/S 0.76
P/FCF 5.48
P/OCF 3.05
P/B 1.03
P/tB 1.3
EV/EBITDA 1.28
EPS(TTM)1.52
EY15.85%
EPS(NY)1.66
Fwd EY17.33%
FCF(TTM)1.75
FCFY18.24%
OCF(TTM)3.14
OCFY32.75%
SpS12.56
BVpS9.29
TBVpS7.37
PEG (NY)0.66
PEG (5Y)0.49
Graham Number17.82
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 1.4
F-Score8
WACC7.91%
ROIC/WACC2.76
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 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 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.