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PAGS

PAGS

PagSeguro Digital Ltd.

$8.74
0.21
 (2.46%)
Exchange:  NYSE
Market Cap:  2.527B
Shares Outstanding:  315.14M
Delayed data
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5-year outlook →
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, delivers a comprehensive suite of financial technology (fintech) solutions and services. These offerings cater to a broad spectrum of clients, including individual consumers, sole proprietors, micro-businesses, and small to medium-sized enterprises (SMEs), both within Brazil and across international markets. Central to its offerings is the PagSeguro Ecosystem, a robust, closed-loop digital platform designed to address users’ essential daily financial requirements, from managing incoming and outgoing funds to operating and expanding their businesses. Another significant product is the PagBank digital account, which provides full-fledged banking services accessible through a dedicated mobile application. This account consolidates a wide array of options for depositing money, executing various financial tasks, utilizing services, and withdrawing funds, all within one integrated environment. For medium and larger merchants, PagSeguro offers PlugPag, a specialized utility that enables direct Bluetooth connectivity between their point-of-sale (POS) terminals and their existing enterprise resource planning (ERP) or sales automation systems. The company’s portfolio also encompasses various methods for depositing funds, versatile payment instruments for both online and physical transactions, and digital services tailored for online gaming and international commerce. It additionally plays a role in issuing prepaid, credit, and cash cards. Beyond these core services, PagSeguro delivers a suite of enhanced features and value-added functionalities, including robust purchase protection mechanisms, an advanced anti-fraud platform, practical tools for managing accounts and businesses, and a dedicated POS application. Furthermore, it operates an online platform dedicated to facilitating peer-to-peer lending. The company also handles critical back-office processing solutions, covering services like sales reconciliation, gateway services, and the capture of credit card transactions in collaboration with acquirers and sub-acquirers. Established in 2006, PagSeguro Digital Ltd. maintains its headquarters in São Paulo, Brazil.

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Revenue Segmentation

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EPS

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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.

2026/05/15 — Q1 quarter 2026

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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 Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)17,925,006.499Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)20,597,219.531Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)19,746,904.455Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)10,864,216.919Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)12,483,825.930Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)11,968,456.106Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)2,997,147.826Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)3,596,267.608Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)3,405,623.151Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)2,969,972.665Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)3,412,728.413Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)3,271,840.735Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)11.430Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)12.070Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)10.060Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full 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)
: 
3.401B  ?P/S
 (TTM)
: 
0.64
?Net Income
 (TTM)
: 
392.578M  ?P/E
 (TTM)
: 
5.76
?Enterprise Value
 (TTM)
: 
56.868B  ?EV/FCF
 (TTM)
: 
158
?Dividend Yield
 (TTM)
: 
0.07  ?Payout Ratio
 (TTM)
: 
0.37
?ROE
 (TTM)
: 
0.15  ?ROIC
 (TTM)
: 
0.1
?Net Debt
 (TTM)
: 
4.416B  ?Debt/Equity
 (TTM)
: 
3.19
?P/B
 (TTM)
: 
0.86  ?Current Ratio
 (TTM)
: 
1.43

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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
5.32Full 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 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.

Daily snapshot

2.46
MARKETSnap

Trading Metrics:

Open: 8.62   Previous Close: 8.53
Day Low: 8.54   Day High: 8.76
Year Low: 7.74   Year High: 12.32
Price Avg 50: 9.92   Price Avg 200: 9.92
Volume: 2.143M   Average Volume: 3.827M

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See in Nexus

Relevant news

PagSeguro Digital Ltd. (PAGS) Q1 2026 Earnings Call Transcript
15-05-2026 19:00
PagSeguro Digital Ltd. (PAGS) Q1 2026 Earnings Call Transcript
PagSeguro Digital Q1 Earnings Call Highlights
14-05-2026 04:06
PagSeguro Digital Q1 Earnings Call Highlights
PagSeguro Digital Ltd. (PAGS) Misses Q1 Earnings and Revenue Estimates
13-05-2026 10:16
PagSeguro Digital Ltd. (PAGS) Misses Q1 Earnings and Revenue Estimates
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
PagSeguro Digital Ltd. (PAGS) Stock Slides as Market Rises: Facts to Know Before You Trade
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

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