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PICS

PICS

PicS N.V.

$7.1
-0.76
 (-9.67%)
Exchange:  NASDAQ
Market Cap:  920.072M
Shares Outstanding:  129.588M
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  TechnologyView sector performance
Industry:  Software – InfrastructureView industry performance
   
CEO:  Eduardo Chedid Simoes
Full Time Employees:  4644
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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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
PIPICS logoPICSPicS N.V.920.1M3.723.65.8%
OSOSPN logoOSPNOneSpan Inc.945.6M13.920.115.4%
KPKPLT logoKPLTKatapult Holdings, Inc.880.7M7.0—7.0%
HQHQ logoHQHorizon Quantum Holdings Ltd. Class A …757.8M—3.4-12.6%
RPRPD logoRPDRapid7, Inc.1.1B54.39.20.8%
YEYEXT logoYEXTYext, Inc.711.7M30.713.613.0%

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/08/24 — Q2 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue3,073,2175,185,30410,277,824
Gross Profit1,854,2152,887,5215,222,414.602
EBITDA171,116638,883753,866.446
Operating Income1,667345,9724,040,431
Net Income34,523217,5741,091,487

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets15,782,88227,317,65841,986,108
Total Liabilities14,579,40925,553,79138,096,194
Total Stockholders Equity1,307,9521,608,5863,872,784
Total Debt58,652757,891860,728
Cash and Cash Equivalents4,522,1012,780,3185,698,853

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow1,566,9682,290,544-3,739,343
Capital Expenditure-502,098-582,053-684,341
Free Cash Flow1,064,8701,708,491-4,423,684
Net Income37,355251,7881,141,606
Net Change in Cash1,017,64892,624-3,608,278

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)5,097,842.224Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)8,892,069.574Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)7,740,535.022Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)4,097,681.182Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)5,759,327.498Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)5,255,023.944Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)1,019,253.980Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)2,187,063.234Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)1,832,637.414Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)2,963,900.066Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)5,169,874.711Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)4,500,369.225Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)14.140Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)16.880Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)7.870Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
0.38
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
3.74
?Enterprise Value
 (TTM)
: 
38.714B  ?EV/FCF
 (TTM)
: 
14.46
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
28.19%  ?ROIC
 (TTM)
: 
5.77%
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
5.69
?P/B
 (TTM)
: 
0.79  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

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

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
23.61Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MarketSnap estimates PICS intrinsic value between $62.10 – $81.01 per share. This depends on revenue growth, margins, and discount rate.

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


Calculate PICS Intrinsic Value

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.

Research tools for PicS N.V.

  • PicS N.V. intrinsic value calculatorEstimate what the business is worth
  • PicS N.V. 5-year outlookWhat has to go right, and what could go wrong
PICS

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

Daily snapshot

-9.67
MarketSnap

Trading Metrics:

Open: 7.63   Previous Close: 7.86
Day Low: 7.05   Day High: 7.7
Year Low: 7.05   Year High: 19.95
Price Avg 50: 10.76   Price Avg 200: 12.02
Volume: 764980   Average Volume: 553513

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See in Nexus

Relevant news

PicPay to Participate in Money 20/20 USA 2026 in Las Vegas
14-10-2026 16:28
PicPay to Participate in Money 20/20 USA 2026 in Las Vegas
PicPay Announces Integration with Claude, Expanding Customer Access to Financial Information through Generative AI
03-09-2026 16:15
PicPay Announces Integration with Claude, Expanding Customer Access to Financial Information through Generative AI
PicPay Holdings (PICS) Q2 2026 Earnings Call Transcript
25-08-2026 06:09
PicPay Holdings (PICS) Q2 2026 Earnings Call Transcript
PicPay Announces Second Quarter 2026 Results
24-08-2026 17:14
PicPay Announces Second Quarter 2026 Results
PicPay to Announce Second Quarter 2026 Results on August 24, 2026
17-08-2026 16:51
PicPay to Announce Second Quarter 2026 Results on August 24, 2026
PicPay Transforms How Customers Access Their Financial Information Through Integration with ChatGPT
17-08-2026 16:45
PicPay Transforms How Customers Access Their Financial Information Through Integration with ChatGPT

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