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PICS

PICS

PicS N.V.

$10.08
-0.53
 (-4.97%)
Exchange:  NASDAQ
Market Cap:  1.307B
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:  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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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue3,073,2175,185,3046,282,156
Gross Profit1,854,2152,887,5216,282,156
EBITDA171,116638,8830
Operating Income1,667345,9720
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)7,560,578.244Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)7,920,491.799Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)7,740,535.022Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)-1,627,877.841Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)-1,553,905.755Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)-1,590,891.798Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)1,463,771.161Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)1,555,008.577Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)1,509,389.869Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)4,606,083.205Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)4,825,351.061Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)4,715,717.133Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)14.140Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)14.570Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)13.710Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research 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)
: 
0.68
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
6.05
?Enterprise Value
 (TTM)
: 
1.141B  ?EV/FCF
 (TTM)
: 
0.74
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
31.16%  ?ROIC
 (TTM)
: 
1314.83%
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.13
?P/B
 (TTM)
: 
1.17  ?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
32.58Research AccessResearch AccessResearch AccessResearch 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

-4.97
MARKETSnap

Trading Metrics:

Open: 10.63   Previous Close: 10.61
Day Low: 10.08   Day High: 10.81
Year Low: 8.32   Year High: 19.95
Price Avg 50: 11.39   Price Avg 200: 12.41
Volume: 309573   Average Volume: 395832

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See in Nexus

Relevant news

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
PicPay Transforms How Customers Access Their Financial Information Through Integration with ChatGPT
INVESTOR ALERT: Pomerantz Law Firm Reminds Investors with Losses on their Investment in PicS N.V. of Class Action Lawsuit and Upcoming Deadlines – PICS
PICS UPCOMING DEADLINE : The Gross Law Firm Alerts PicS N.V. Stockholders of Securities Class Action - Contact the Firm

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