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

NYSE:PAGS • KYG687071012

Current stock price

11.32 USD
+0.06 (+0.53%)
At close:
11.33 USD
+0.01 (+0.09%)
Pre-Market:

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.
  • PAGS had a positive operating cash flow in the past year.
  • In the past 5 years PAGS has always 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 2025 0 2B -2B 4B -4B 6B 8B

1.2 Ratios

  • PAGS has a better Return On Assets (3.06%) than 69.70% of its industry peers.
  • With a decent Return On Equity value of 14.88%, PAGS is doing good in the industry, outperforming 78.79% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 21.87%, PAGS belongs to the top of the industry, outperforming 94.95% 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 (11.01%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of PAGS has declined.
  • PAGS has a better Operating Margin (38.12%) than 79.80% of its industry peers.
  • In the last couple of years the Operating Margin of PAGS has grown nicely.
  • PAGS has a better Gross Margin (51.55%) than 70.71% of its industry peers.
  • In the last couple of years the Gross Margin of PAGS has grown nicely.
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.
  • 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.
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 1.43. This is a bad value and indicates that PAGS is not financially healthy and even has some risk of bankruptcy.
  • PAGS has a Altman-Z score of 1.43. This is in the better half of the industry: PAGS outperforms 67.68% 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 82.83% 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 69.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.88
Altman-Z 1.43
ROIC/WACC3.06
WACC7.14%
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.
  • With a decent Current ratio value of 1.42, PAGS is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • 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 has a Quick ratio of 1.42. This is in the better half of the industry: PAGS outperforms 68.69% 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. 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.
  • PAGS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.90% yearly.
  • Looking at the last year, PAGS shows a quite strong growth in Revenue. The Revenue has grown by 8.51% in the last year.
  • The Revenue has been growing by 24.53% on average over the past years. This is a very strong growth!
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 8.09% 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 5.86% on average per year.
EPS Next Y10.93%
EPS Next 2Y10.28%
EPS Next 3Y8.09%
EPS Next 5YN/A
Revenue Next Year4.23%
Revenue Next 2Y5.74%
Revenue Next 3Y-8.3%
Revenue Next 5Y5.86%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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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9

4. PAGS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.08 indicates a rather cheap valuation of PAGS.
  • Based on the Price/Earnings ratio, PAGS is valued cheaper than 81.82% 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 27.95.
  • Based on the Price/Forward Earnings ratio of 6.39, the valuation of PAGS can be described as very cheap.
  • 83.84% of the companies in the same industry are more expensive than PAGS, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of PAGS to the average of the S&P500 Index (38.68), we can say PAGS is valued rather cheaply.
Industry RankSector Rank
PE 7.08
Fwd PE 6.39
PAGS Price Earnings VS Forward Price EarningsPAGS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • PAGS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PAGS is cheaper than 98.99% of the companies in the same industry.
  • PAGS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PAGS is cheaper than 91.92% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.15
EV/EBITDA 1.52
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)0.65
PEG (5Y)0.55
EPS Next 2Y10.28%
EPS Next 3Y8.09%

More info and screens

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

3

5. PAGS Dividend Analysis

5.1 Amount

  • PAGS has a Yearly Dividend Yield of 3.45%.
  • PAGS's Dividend Yield is rather good when compared to the industry average which is at 1.82. PAGS pays more dividend than 80.81% of the companies in the same industry.
  • PAGS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.45%

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 2Y10.28%
EPS Next 3Y8.09%
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

More info and screens

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PAGS Fundamentals: All Metrics, Ratios and Statistics

PAGSEGURO DIGITAL LTD-CL A

NYSE:PAGS (4/20/2026, 8:24:14 PM)

Premarket: 11.33 +0.01 (+0.09%)

11.32

+0.06 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-04
Earnings (Next)05-12
Inst Owners66.34%
Inst Owner Change1.86%
Ins Owners0.62%
Ins Owner Change0%
Market Cap3.46B
Revenue(TTM)20.41B
Net Income(TTM)2.22B
Analysts74.74
Price Target12.43 (9.81%)
Short Float %11.75%
Short Ratio5.21
Dividend
Industry RankSector Rank
Dividend Yield 3.45%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date04-22
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)0.75%
PT rev (3m)3.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.4%
EPS NY rev (1m)1.31%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-0.98%
Valuation
Industry RankSector Rank
PE 7.08
Fwd PE 6.39
P/S 0.86
P/FCF 6.15
P/OCF 3.43
P/B 1.16
P/tB 1.46
EV/EBITDA 1.52
EPS(TTM)1.6
EY14.13%
EPS(NY)1.77
Fwd EY15.65%
FCF(TTM)1.84
FCFY16.26%
OCF(TTM)3.3
OCFY29.19%
SpS13.21
BVpS9.77
TBVpS7.76
PEG (NY)0.65
PEG (5Y)0.55
Graham Number18.758 (65.71%)
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 1.43
F-Score8
WACC7.14%
ROIC/WACC3.06
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 Y10.93%
EPS Next 2Y10.28%
EPS Next 3Y8.09%
EPS Next 5YN/A
Revenue 1Y (TTM)8.51%
Revenue growth 3Y10%
Revenue growth 5Y24.53%
Sales Q2Q%5.51%
Revenue Next Year4.23%
Revenue Next 2Y5.74%
Revenue Next 3Y-8.3%
Revenue Next 5Y5.86%
EBIT growth 1Y24.4%
EBIT growth 3Y15.46%
EBIT growth 5Y34.13%
EBIT Next Year99.71%
EBIT Next 3Y37.48%
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.


How profitable is PAGSEGURO DIGITAL LTD-CL A (PAGS) stock?

PAGSEGURO DIGITAL LTD-CL A (PAGS) has a profitability rating of 6 / 10.


What is the valuation of PAGSEGURO DIGITAL LTD-CL A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PAGSEGURO DIGITAL LTD-CL A (PAGS) is 7.08 and the Price/Book (PB) ratio is 1.16.


Can you provide the financial health for PAGS stock?

The financial health rating of PAGSEGURO DIGITAL LTD-CL A (PAGS) is 6 / 10.