PAGSEGURO DIGITAL LTD-CL A (PAGS) Fundamental Analysis & Valuation
NYSE:PAGS • KYG687071012
9.4 USD
-0.74 (-7.3%)
At close: Mar 12, 2026
9.4 USD
0 (0%)
Pre-Market: 3/13/2026, 4:11:45 AM
This PAGS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
PAGS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. Both the profitability and the financial health of PAGS get a neutral evaluation. Nothing too spectacular is happening here. PAGS scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings would make PAGS suitable for value investing!
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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.06%, PAGS is in the better half of the industry, outperforming 67.35% of the companies in the same industry.
- With a decent Return On Equity value of 14.88%, PAGS is doing good in the industry, outperforming 76.53% of the companies in the same industry.
- The Return On Invested Capital of PAGS (21.87%) is better 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.
- PAGS's Profit Margin has declined in the last couple of years.
- PAGS has a better Operating Margin (38.12%) than 80.61% of its industry peers.
- PAGS's Operating Margin has improved in the last couple of years.
- Looking at the Gross Margin, with a value of 51.55%, PAGS is in the better half of 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 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
- PAGS has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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.
2.2 Solvency
- PAGS has an Altman-Z score of 1.40. This is a bad value and indicates that PAGS is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of PAGS (1.40) is better than 70.41% 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.
- The Debt to FCF ratio of PAGS (0.88) is better 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 66.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 1.4 |
ROIC/WACC2.72
WACC8.05%
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's Current ratio of 1.42 is fine compared to the rest of the industry. PAGS outperforms 65.31% of its industry peers.
- PAGS has a Quick 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's Quick ratio of 1.42 is fine compared to the rest of the industry. PAGS outperforms 66.33% of its industry peers.
| 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 12.11%, which is quite good.
- The Earnings Per Share has been growing by 12.90% on average over the past years. This is quite good.
- The Revenue has grown by 8.51% in the past year. This is quite good.
- 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
- The Earnings Per Share is expected to grow by 10.27% on average over the next years. This is quite good.
- 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 Year5.68%
Revenue Next 2Y4.88%
Revenue Next 3Y4.31%
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.
- 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.
4. PAGS Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 6.10, the valuation of PAGS can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of PAGS indicates a rather cheap valuation: PAGS is cheaper than 85.71% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of PAGS to the average of the S&P500 Index (25.71), we can say PAGS is valued rather cheaply.
- A Price/Forward Earnings ratio of 5.57 indicates a rather cheap valuation of PAGS.
- Based on the Price/Forward Earnings ratio, PAGS is valued cheaply inside the industry as 83.67% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of PAGS to the average of the S&P500 Index (23.82), we can say PAGS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.1 | ||
| Fwd PE | 5.57 |
4.2 Price Multiples
- 98.98% of the companies in the same industry are more expensive than PAGS, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, PAGS is valued cheaply inside the industry as 91.84% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.29 | ||
| EV/EBITDA | 1.26 |
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)0.64
PEG (5Y)0.47
EPS Next 2Y7.95%
EPS Next 3Y10.27%
5. PAGS Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 1.38%, PAGS has a reasonable but not impressive dividend return.
- 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 | 1.38% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y7.95%
EPS Next 3Y10.27%
PAGS Fundamentals: All Metrics, Ratios and Statistics
9.4
-0.74 (-7.3%)
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 Cap2.87B
Revenue(TTM)20.41B
Net Income(TTM)2.22B
Analysts75.79
Price Target12.34 (31.28%)
Short Float %9.38%
Short Ratio4.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
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 | 6.1 | ||
| Fwd PE | 5.57 | ||
| P/S | 0.74 | ||
| P/FCF | 5.29 | ||
| P/OCF | 2.95 | ||
| P/B | 1 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | 1.26 |
EPS(TTM)1.54
EY16.38%
EPS(NY)1.69
Fwd EY17.96%
FCF(TTM)1.78
FCFY18.9%
OCF(TTM)3.19
OCFY33.93%
SpS12.76
BVpS9.43
TBVpS7.49
PEG (NY)0.64
PEG (5Y)0.47
Graham Number18.08
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 | 1.4 |
F-Score8
WACC8.05%
ROIC/WACC2.72
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 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.