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PAGS stock logo

PAGS

PagSeguro Digital Ltd.

$10.34
-0.19
 (-1.8%)
[ms_data_label text=’Delayed data’]
Exchange:  NYSE
Market Cap:  3.052B
Shares Outstanding:  315.14M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Infrastructure
   
CEO:  Carlos Mauad
Full Time Employees:  6751
Address: 
Avenida Brigadeiro Faria Lima, 1384
São Paulo
SP
01451-001
BR
Website:  https://pagseguro.uol.com.br
PagSeguro Digital Ltd., together with its subsidiaries, provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company’s products and services include PagSeguro Ecosystem, a digital ecosystem that operates as a closed loop where its clients are able to address their primary day to day financial needs, including receiving and spending funds, and managing and growing their businesses; PagBank digital account, which offers banking services through the PagBank mobile app, as well as centralizes various cash-in options, functionalities, services, and cash-out options in a single ecosystem; and PlugPag, a tool for medium-sized and larger merchants that enables them to connect their point of sale (POS) device directly to their enterprise resource planning software or sales automation system through Bluetooth. It also offers cash-in solutions; online and in-person payment tools; and online gaming and cross-border digital services, as well as issues prepaid, credit, and cash cards. In addition, the company provides functionalities, and value-added services and features, such as purchase protection mechanisms, antifraud platform, account and business management tools, and POS app; and operates an online platform that facilitates peer-to-peer lending. Further, it is involved in processing of back-office solutions, including sales reconciliation, and gateway solutions and services, as well as the capture of credit cards with acquirers and sub acquirers. The company was founded in 2006 and is headquartered in São Paulo, Brazil.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

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Key takeaways

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2025/11/12 — Q3 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue15,680,28818,333,70919,355,439
Gross Profit7,547,7088,790,3949,790,683
EBITDA6,642,3167,540,8829,038,467
Operating Income5,385,2035,958,5537,266,459
Net Income1,653,6842,116,3682,076,751

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets55,108,09372,900,61774,372,181
Total Liabilities41,867,40858,232,24559,739,958
Total Stockholders Equity13,240,68514,668,37214,632,223
Total Debt16,377,8674,678,93334,861,197
Cash and Cash Equivalents2,899,060927,6681,856,575

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow3,999,753-3,416,2932,573,882
Capital Expenditure-1,988,364-1,131,878-1,019,610
Free Cash Flow2,011,389-4,548,1711,554,271
Net Income2,017,1072,116,3682,076,751
Net Change in Cash1,069,963-1,971,3921,034,147

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)21,619,559.505Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)23,893,192.219Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)23,086,845.206Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)13,103,458.801Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)14,481,491.161Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)13,992,770.062Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)2,538,743.865Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)3,300,377.451Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)2,919,560.658Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)3,582,118.687Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)3,958,834.144Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)3,825,231.482Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)10.130Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)11.080Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)8.520Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
3.401B  ?P/S
 (TTM)
: 
0.84
?Net Income
 (TTM)
: 
392.578M  ?P/E
 (TTM)
: 
7.59
?Enterprise Value
 (TTM)
: 
59.045B  ?EV/FCF
 (TTM)
: 
83.44
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.29
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.1
?Net Debt
 (TTM)
: 
4.416B  ?Debt/Equity
 (TTM)
: 
3.03
?P/B
 (TTM)
: 
1.1  ?Current Ratio
 (TTM)
: 
1.36

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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
6.47Full 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.


Calculate PAGS Intrinsic Value

Common questions about PAGS valuation

Is PagSeguro Digital Ltd. (PAGS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for PagSeguro Digital Ltd. (PAGS) 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 PAGS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PAGS 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 PAGS’s P/E ratio?

You can see PAGS’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 PAGS?

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 PAGS a good long-term investment?

Whether PAGS 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.

PAGS

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

[ms_data_label text="Daily snapshot"]

-1.8
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 7.36   Year High: 12.32
Price Avg 50: 10.51   Price Avg 200: 9.66
Volume: 2.838M   Average Volume: 4.113M

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See in Nexus

Relevant news

PagSeguro Digital Ltd. (PAGS) Beats Stock Market Upswing: What Investors Need to Know
16-04-2026 19:16
PagSeguro Digital Ltd. (PAGS) Beats Stock Market Upswing: What Investors Need to Know
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17-02-2026 19:16
PagSeguro Digital Ltd. (PAGS) Stock Slides as Market Rises: Facts to Know Before You Trade
PagSeguro Digital Ltd. (PAGS) Stock Falls Amid Market Uptick: What Investors Need to Know
02-04-2026 19:15
PagSeguro Digital Ltd. (PAGS) Stock Falls Amid Market Uptick: What Investors Need to Know
PagSeguro Digital Ltd. (PAGS) Falls More Steeply Than Broader Market: What Investors Need to Know
20-03-2026 19:15
PagSeguro Digital Ltd. (PAGS) Falls More Steeply Than Broader Market: What Investors Need to Know
PAGS vs. RBA: Which Stock Is the Better Value Option?
25-03-2026 12:41
PAGS vs. RBA: Which Stock Is the Better Value Option?
PagSeguro Digital Ltd. (NYSE:PAGS) Given Average Rating of “Moderate Buy” by Brokerages
25-03-2026 02:46
PagSeguro Digital Ltd. (NYSE:PAGS) Given Average Rating of “Moderate Buy” by Brokerages

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