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PICS

PICS

PicS N.V.

$9.79
0.37
 (3.93%)
Exchange:  NASDAQ
Market Cap:  1.269B
Shares Outstanding:  129.588M
Delayed data
Calculate PICS Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Infrastructure
   
CEO:  Eduardo Chedid Simoes
Full Time Employees:  4202
Address: 
Avenida Manuel Bandeira, 291
São Paulo
SP
05317-020
BR
Website:  https://www.picpay.com
PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in São Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil’s Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue3,023,8383,073,2175,185,304
Gross Profit1,764,1921,854,2152,887,521
EBITDA-624,504171,116638,883
Operating Income-698,8851,667345,972
Net Income-45,69234,523217,574

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets12,162,90015,782,88227,317,658
Total Liabilities11,000,67214,579,40925,553,791
Total Stockholders Equity1,269,5391,307,9521,608,586
Total Debt52,95358,652757,891
Cash and Cash Equivalents134,5704,522,1012,780,318

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow7,339,7961,566,9682,290,544
Capital Expenditure-217,770-502,098-582,053
Free Cash Flow7,122,0261,064,8701,708,491
Net Income-692,89737,355251,788
Net Change in Cash6,212,1101,017,64892,624

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)9,702,378.867Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)10,417,141.470Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)9,973,489.834Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)-2,676,259.599Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)-2,492,630.502Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)-2,562,281.407Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,767,876.039Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,938,615.403Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,832,637.414Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)6,520,748.521Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)7,001,124.236Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)6,702,956.046Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)14.140Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)14.960Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)13.640Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
0.71
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
18.11
?Enterprise Value
 (TTM)
: 
1.487B  ?EV/FCF
 (TTM)
: 
0.3
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.16  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.31
?P/B
 (TTM)
: 
2.27  ?Current Ratio
 (TTM)
: 
0.47

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
34.65Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about PICS valuation

Is PicS N.V. (PICS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for PicS N.V. (PICS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PICS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PICS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PICS’s P/E ratio?

You can see PICS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PICS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PICS a good long-term investment?

Whether PICS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PICS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

3.93
MARKETSnap

Trading Metrics:

Open: 9.49   Previous Close: 9.42
Day Low: 9.36   Day High: 10.24
Year Low: 8.32   Year High: 19.95
Price Avg 50: 11.57   Price Avg 200: 13.09
Volume: 371003   Average Volume: 518574

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Relevant news

PicS N.V. Notice of August 4, 2026 Application Deadline for Class Action Lawsuit - Contact Lewis Kahn, Esq. at Kahn Swick & Foti, LLC, Before Application Deadline
08-06-2026 19:40
PicS N.V. Notice of August 4, 2026 Application Deadline for Class Action Lawsuit - Contact Lewis Kahn, Esq. at Kahn Swick & Foti, LLC, Before Application Deadline
PicS N.V. (PICPAY) CLASS ACTION ALERT: Bragar Eagel & Squire, P.C. Announces that a Class Action Lawsuit Has Been Filed Against PicS N.V.
09-06-2026 17:36
PicS N.V. (PICPAY) CLASS ACTION ALERT: Bragar Eagel & Squire, P.C. Announces that a Class Action Lawsuit Has Been Filed Against PicS N.V.
INVESTOR ALERT: Pomerantz Law Firm Reminds Investors with Losses on their Investment in PicS N.V. of Class Action Lawsuit and Upcoming Deadlines – PICS
09-06-2026 16:37
INVESTOR ALERT: Pomerantz Law Firm Reminds Investors with Losses on their Investment in PicS N.V. of Class Action Lawsuit and Upcoming Deadlines – PICS
INVESTOR ALERT: Shareholders Who Lost Money in Shares of PicS N.V. (PICS) Should Contact Morris Kandinov Immediately
09-06-2026 14:35
INVESTOR ALERT: Shareholders Who Lost Money in Shares of PicS N.V. (PICS) Should Contact Morris Kandinov Immediately
Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firm Encourages PicS N.V. (PICS) Shareholders To Inquire About Securities Fraud Class Action
09-06-2026 13:05
Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firm Encourages PicS N.V. (PICS) Shareholders To Inquire About Securities Fraud Class Action
PicS N.V. / PicPay Shareholders Are Encouraged to Reach Out to Johnson Fistel for More Information About Potentially Recovering Their Losses
10-04-2026 15:37
PicS N.V. / PicPay Shareholders Are Encouraged to Reach Out to Johnson Fistel for More Information About Potentially Recovering Their Losses

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