PAGSEGURO DIGITAL LTD-CL A (PAGS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PAGS - KYG687071012 - Common Stock
10.245 USD
+0.16 (+1.64%)
PAGS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. PAGS has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on PAGS. These ratings would make PAGS suitable for value investing!
1. Profitability
1.1 Basic Checks
- PAGS had positive earnings in the past year.
- PAGS had a positive operating cash flow in the past year.
- In the past 5 years PAGS has always been profitable.
- PAGS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.06%, PAGS is in the better half of the industry, outperforming 69.07% of the companies in the same industry.
- The Return On Equity of PAGS (14.88%) is better than 76.29% of its industry peers.
- The Return On Invested Capital of PAGS (21.73%) is better than 94.85% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for PAGS is significantly above the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.06% | ||
| ROE | 14.88% | ||
| ROIC | 21.73% |
ROA(3y)3.07%
ROA(5y)3.75%
ROE(3y)13.21%
ROE(5y)12.92%
ROIC(3y)22.59%
ROIC(5y)19.48%
1.3 Margins
- PAGS has a Profit Margin (11.01%) which is comparable to the rest of the industry.
- PAGS's Profit Margin has declined in the last couple of years.
- PAGS has a Operating Margin of 38.12%. This is in the better half of the industry: PAGS outperforms 78.35% of its industry peers.
- In the last couple of years the Operating Margin of PAGS has remained more or less at the same level.
- Looking at the Gross Margin, with a value of 51.55%, PAGS is in the better half of the industry, outperforming 69.07% of the companies in the same industry.
- In the last couple of years the Gross Margin of PAGS has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.12% | ||
| PM (TTM) | 11.01% | ||
| GM | 51.55% |
OM growth 3Y16.32%
OM growth 5Y-0.01%
PM growth 3Y0.28%
PM growth 5Y-14.01%
GM growth 3Y3.28%
GM growth 5Y-0.92%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), PAGS is creating value.
- The number of shares outstanding for PAGS remains at a similar level compared to 1 year ago.
- The number of shares outstanding for PAGS remains at a similar level compared to 5 years ago.
- PAGS has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.42, we must say that PAGS is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of PAGS (1.42) is better than 65.98% of its industry peers.
- PAGS has a debt to FCF ratio of 0.88. This is a very positive value and a sign of high solvency as it would only need 0.88 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.88, PAGS belongs to the top of the industry, outperforming 82.47% of the companies in the same industry.
- PAGS has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
- PAGS has a Debt to Equity ratio of 0.17. This is in the better half of the industry: PAGS outperforms 68.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 1.42 |
ROIC/WACC2.7
WACC8.05%
2.3 Liquidity
- A Current Ratio of 1.42 indicates that PAGS should not have too much problems paying its short term obligations.
- PAGS has a Current ratio of 1.42. This is in the better half of the industry: PAGS outperforms 67.01% of its industry peers.
- A Quick Ratio of 1.42 indicates that PAGS should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.42, PAGS is in the better half of the industry, outperforming 68.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 |
3. Growth
3.1 Past
- PAGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.69%, which is quite good.
- PAGS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.65% yearly.
- The Revenue has grown by 11.57% in the past year. This is quite good.
- PAGS shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.94% yearly.
EPS 1Y (TTM)13.69%
EPS 3Y15.77%
EPS 5Y9.65%
EPS Q2Q%8.99%
Revenue 1Y (TTM)11.57%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%5.67%
3.2 Future
- PAGS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.73% yearly.
- The Revenue is expected to grow by 7.15% on average over the next years.
EPS Next Y10.01%
EPS Next 2Y10.22%
EPS Next 3Y9.3%
EPS Next 5Y10.73%
Revenue Next Year10.08%
Revenue Next 2Y7.71%
Revenue Next 3Y6.35%
Revenue Next 5Y7.15%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 7.21, the valuation of PAGS can be described as very cheap.
- Based on the Price/Earnings ratio, PAGS is valued cheaper than 84.54% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.38. PAGS is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 6.37, which indicates a rather cheap valuation of PAGS.
- 84.54% of the companies in the same industry are more expensive than PAGS, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. PAGS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.21 | ||
| Fwd PE | 6.37 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PAGS is valued cheaply inside the industry as 97.94% of the companies are valued more expensively.
- 91.75% of the companies in the same industry are more expensive than PAGS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6 | ||
| EV/EBITDA | 1.44 |
4.3 Compensation for Growth
- PAGS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of PAGS may justify a higher PE ratio.
PEG (NY)0.72
PEG (5Y)0.75
EPS Next 2Y10.22%
EPS Next 3Y9.3%
5. Dividend
5.1 Amount
- PAGS has a Yearly Dividend Yield of 1.37%.
- Compared to an average industry Dividend Yield of 2.24, PAGS has a dividend in line with its industry peers.
- PAGS's Dividend Yield is slightly below the S&P500 average, which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
- PAGS does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y10.22%
EPS Next 3Y9.3%
NYSE:PAGS (1/20/2026, 3:17:02 PM)
10.245
+0.16 (+1.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)02-18 2026-02-18/amc
Inst Owners70.41%
Inst Owner Change-0.05%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.13B
Revenue(TTM)20.13B
Net Income(TTM)2.22B
Analysts76.84
Price Target12.06 (17.72%)
Short Float %10.15%
Short Ratio4.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date01-28 2026-01-28 (0.12)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.54%
Min EPS beat(2)-0.91%
Max EPS beat(2)3.98%
EPS beat(4)3
Avg EPS beat(4)3.86%
Min EPS beat(4)-0.91%
Max EPS beat(4)11.5%
EPS beat(8)7
Avg EPS beat(8)4.87%
EPS beat(12)9
Avg EPS beat(12)3.34%
EPS beat(16)10
Avg EPS beat(16)1.96%
Revenue beat(2)0
Avg Revenue beat(2)-4.3%
Min Revenue beat(2)-6.36%
Max Revenue beat(2)-2.24%
Revenue beat(4)0
Avg Revenue beat(4)-2.82%
Min Revenue beat(4)-6.36%
Max Revenue beat(4)-0.16%
Revenue beat(8)4
Avg Revenue beat(8)0.09%
Revenue beat(12)4
Avg Revenue beat(12)-1.29%
Revenue beat(16)6
Avg Revenue beat(16)-0.47%
PT rev (1m)1.56%
PT rev (3m)2.44%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)-3.29%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)-1.47%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)-4.03%
Revenue NY rev (1m)-1.34%
Revenue NY rev (3m)-2.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.21 | ||
| Fwd PE | 6.37 | ||
| P/S | 0.83 | ||
| P/FCF | 6 | ||
| P/OCF | 3.34 | ||
| P/B | 1.13 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | 1.44 |
EPS(TTM)1.42
EY13.86%
EPS(NY)1.61
Fwd EY15.69%
FCF(TTM)1.71
FCFY16.68%
OCF(TTM)3.07
OCFY29.95%
SpS12.27
BVpS9.08
TBVpS7.2
PEG (NY)0.72
PEG (5Y)0.75
Graham Number17.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.06% | ||
| ROE | 14.88% | ||
| ROCE | 27.62% | ||
| ROIC | 21.73% | ||
| ROICexc | 23.17% | ||
| ROICexgc | 25.99% | ||
| OM | 38.12% | ||
| PM (TTM) | 11.01% | ||
| GM | 51.55% | ||
| FCFM | 13.93% |
ROA(3y)3.07%
ROA(5y)3.75%
ROE(3y)13.21%
ROE(5y)12.92%
ROIC(3y)22.59%
ROIC(5y)19.48%
ROICexc(3y)30.91%
ROICexc(5y)26.15%
ROICexgc(3y)37.53%
ROICexgc(5y)31.44%
ROCE(3y)27.45%
ROCE(5y)23.69%
ROICexgc growth 3Y-6.67%
ROICexgc growth 5Y-10.61%
ROICexc growth 3Y-4.13%
ROICexc growth 5Y-10.35%
OM growth 3Y16.32%
OM growth 5Y-0.01%
PM growth 3Y0.28%
PM growth 5Y-14.01%
GM growth 3Y3.28%
GM growth 5Y-0.92%
F-Score8
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Debt/EBITDA | 0.26 | ||
| Cap/Depr | 125.73% | ||
| Cap/Sales | 11.08% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 53.28% | ||
| Profit Quality | 126.54% | ||
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 | ||
| Altman-Z | 1.42 |
F-Score8
WACC8.05%
ROIC/WACC2.7
Cap/Depr(3y)160.19%
Cap/Depr(5y)250.47%
Cap/Sales(3y)12.91%
Cap/Sales(5y)17.11%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.69%
EPS 3Y15.77%
EPS 5Y9.65%
EPS Q2Q%8.99%
EPS Next Y10.01%
EPS Next 2Y10.22%
EPS Next 3Y9.3%
EPS Next 5Y10.73%
Revenue 1Y (TTM)11.57%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%5.67%
Revenue Next Year10.08%
Revenue Next 2Y7.71%
Revenue Next 3Y6.35%
Revenue Next 5Y7.15%
EBIT growth 1Y24.4%
EBIT growth 3Y41.5%
EBIT growth 5Y26.93%
EBIT Next Year23.83%
EBIT Next 3Y19.53%
EBIT Next 5YN/A
FCF growth 1Y43.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y32.66%
OCF growth 3YN/A
OCF growth 5YN/A
PAGSEGURO DIGITAL LTD-CL A / PAGS FAQ
What is the ChartMill fundamental rating of PAGSEGURO DIGITAL LTD-CL A (PAGS) stock?
ChartMill assigns a fundamental rating of 6 / 10 to PAGS.
Can you provide the valuation status for PAGSEGURO DIGITAL LTD-CL A?
ChartMill assigns a valuation rating of 9 / 10 to PAGSEGURO DIGITAL LTD-CL A (PAGS). This can be considered as Undervalued.
What is the profitability of PAGS stock?
PAGSEGURO DIGITAL LTD-CL A (PAGS) has a profitability rating of 6 / 10.
How financially healthy is PAGSEGURO DIGITAL LTD-CL A?
The financial health rating of PAGSEGURO DIGITAL LTD-CL A (PAGS) is 6 / 10.
Can you provide the expected EPS growth for PAGS stock?
The Earnings per Share (EPS) of PAGSEGURO DIGITAL LTD-CL A (PAGS) is expected to grow by 10.01% in the next year.