PAGSEGURO DIGITAL LTD-CL A (PAGS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PAGS - KYG687071012 - Common Stock
10.23 USD
+0.17 (+1.69%)
10.2 USD
-0.03 (-0.29%)
Overall PAGS gets a fundamental rating of 6 out of 10. We evaluated PAGS 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on PAGS. These ratings could make PAGS a good candidate for value investing.
1. Profitability
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 68.37% of its industry peers.
- Looking at the Return On Equity, with a value of 14.88%, PAGS is in the better half of the industry, outperforming 76.53% of the companies in the same industry.
- PAGS has a better Return On Invested Capital (21.73%) than 94.90% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for PAGS is significantly above the industry average of 8.44%.
| Industry Rank | Sector 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%
1.3 Margins
- PAGS's Profit Margin of 11.01% is in line compared to the rest of the industry. PAGS outperforms 54.08% of its industry peers.
- In the last couple of years the Profit Margin of PAGS has declined.
- The Operating Margin of PAGS (38.12%) is better than 78.57% of its industry peers.
- PAGS's Operating Margin has been stable in the last couple of years.
- PAGS's Gross Margin of 51.55% is fine compared to the rest of the industry. PAGS outperforms 69.39% 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 Rank | Sector 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%
2. Health
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 about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, PAGS has about the same amount of shares outstanding.
- Compared to 1 year ago, PAGS has a worse debt to assets ratio.
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.
- With a decent Altman-Z score value of 1.42, PAGS is doing good in the industry, outperforming 65.31% of the companies in the same industry.
- 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.
- PAGS has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
- With a decent Debt to Equity ratio value of 0.17, PAGS is doing good in the industry, outperforming 67.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 1.42 |
ROIC/WACC2.7
WACC8.06%
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 has a Quick ratio of 1.42. This is in the better half of the industry: PAGS outperforms 67.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 13.69% over the past year.
- PAGS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.65% yearly.
- Looking at the last year, PAGS shows a quite strong growth in Revenue. The Revenue has grown by 11.57% in the last year.
- The Revenue has been growing by 26.94% on average over the past years. This is a very strong growth!
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
- PAGS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.73% yearly.
- The Revenue is expected to grow by 7.15% on average over the next years.
EPS Next Y10.01%
EPS Next 2Y10.22%
EPS Next 3Y9.3%
EPS Next 5Y10.73%
Revenue Next Year10.08%
Revenue Next 2Y7.71%
Revenue Next 3Y6.35%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 7.20 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.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, PAGS is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 6.37, 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 82.65% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. PAGS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 6.37 |
4.2 Price Multiples
- 97.96% of the companies in the same industry are more expensive than PAGS, based on the Enterprise Value to EBITDA ratio.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.99 | ||
| EV/EBITDA | 1.44 |
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)0.72
PEG (5Y)0.75
EPS Next 2Y10.22%
EPS Next 3Y9.3%
5. Dividend
5.1 Amount
- PAGS has a Yearly Dividend Yield of 1.41%.
- PAGS's Dividend Yield is a higher than the industry average which is at 2.49.
- Compared to the average S&P500 Dividend Yield of 1.92, PAGS is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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 2Y10.22%
EPS Next 3Y9.3%
10.23
+0.17 (+1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)02-18 2026-02-18/amc
Inst Owners70.41%
Inst Owner Change-0.12%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.13B
Revenue(TTM)20.13B
Net Income(TTM)2.22B
Analysts76.84
Price Target12.06 (17.89%)
Short Float %10.88%
Short Ratio4.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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)1.56%
PT rev (3m)2.44%
EPS NQ rev (1m)1.45%
EPS NQ rev (3m)-2.42%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)-1.47%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)-4.03%
Revenue NY rev (1m)-1.34%
Revenue NY rev (3m)-2.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 6.37 | ||
| P/S | 0.83 | ||
| P/FCF | 5.99 | ||
| P/OCF | 3.34 | ||
| P/B | 1.13 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | 1.44 |
EPS(TTM)1.42
EY13.88%
EPS(NY)1.61
Fwd EY15.71%
FCF(TTM)1.71
FCFY16.7%
OCF(TTM)3.07
OCFY29.98%
SpS12.27
BVpS9.07
TBVpS7.2
PEG (NY)0.72
PEG (5Y)0.75
Graham Number17.03
Profitability
| Industry Rank | Sector 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 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 | 1.42 |
F-Score8
WACC8.06%
ROIC/WACC2.7
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 Y10.01%
EPS Next 2Y10.22%
EPS Next 3Y9.3%
EPS Next 5Y10.73%
Revenue 1Y (TTM)11.57%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%5.67%
Revenue Next Year10.08%
Revenue Next 2Y7.71%
Revenue Next 3Y6.35%
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 10.01% in the next year.