PAGSEGURO DIGITAL LTD-CL A (PAGS) Stock Fundamental Analysis
NYSE:PAGS • KYG687071012
10.93 USD
+0.36 (+3.41%)
At close: Feb 24, 2026
11 USD
+0.07 (+0.64%)
After Hours: 2/24/2026, 8:04:00 PM
We assign a fundamental rating of 6 out of 10 to PAGS. PAGS was compared to 98 industry peers in the Financial Services industry. Both the profitability and the financial health of PAGS get a neutral evaluation. Nothing too spectacular is happening here. PAGS may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, PAGS could be worth investigating further 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
- PAGS's Return On Assets of 3.06% is fine compared to the rest of the industry. PAGS outperforms 67.35% of its industry peers.
- PAGS has a Return On Equity of 14.88%. This is in the better half of the industry: PAGS outperforms 76.53% of its industry peers.
- PAGS's Return On Invested Capital of 21.73% is amongst the best of the industry. PAGS outperforms 94.90% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for PAGS is significantly above the industry average of 8.40%.
| 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's Profit Margin of 11.01% is in line compared to the rest of the industry. PAGS outperforms 54.08% of its industry peers.
- PAGS's Profit Margin has declined in the last couple of years.
- PAGS's Operating Margin of 38.12% is fine compared to the rest of the industry. PAGS outperforms 79.59% of its industry peers.
- PAGS's Operating Margin has been stable in the last couple of years.
- The Gross Margin of PAGS (51.55%) is better than 70.41% of its industry peers.
- PAGS's Gross Margin has been stable in the last couple of years.
| 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
- PAGS has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- PAGS has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, PAGS has about the same amount of shares outstanding.
- Compared to 1 year ago, PAGS has a worse debt to assets ratio.
2.2 Solvency
- PAGS has an Altman-Z score of 1.42. This is a bad value and indicates that PAGS is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.42, PAGS is in the better half of the industry, outperforming 67.35% of the companies in the same industry.
- 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.
- PAGS has a better Debt to FCF ratio (0.88) than 81.63% of its industry peers.
- PAGS has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
- With a decent Debt to Equity ratio value of 0.17, PAGS is doing good in the industry, outperforming 67.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 1.42 |
ROIC/WACC2.73
WACC7.95%
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 66.33% 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 67.35% 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.
- The Earnings Per Share has been growing by 9.65% on average over the past years. This is quite good.
- The Revenue has grown by 11.57% in the past year. This is quite good.
- The Revenue has been growing by 26.94% on average over the past years. This is a very strong growth!
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.
- PAGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.15% yearly.
EPS Next Y10.36%
EPS Next 2Y10.79%
EPS Next 3Y9.32%
EPS Next 5Y10.73%
Revenue Next Year10.22%
Revenue Next 2Y7.93%
Revenue Next 3Y6.63%
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
- The Price/Earnings ratio is 7.44, which indicates a rather cheap valuation of PAGS.
- Based on the Price/Earnings ratio, PAGS is valued cheaply inside the industry as 82.65% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of PAGS to the average of the S&P500 Index (26.98), we can say PAGS is valued rather cheaply.
- The Price/Forward Earnings ratio is 6.50, which indicates a rather cheap valuation of PAGS.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PAGS indicates a rather cheap valuation: PAGS is cheaper than 82.65% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of PAGS to the average of the S&P500 Index (28.01), we can say PAGS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | 6.5 |
4.2 Price Multiples
- PAGS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PAGS is cheaper than 98.98% of the companies in the same industry.
- 90.82% 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 | 6.18 | ||
| EV/EBITDA | 1.46 |
4.3 Compensation for Growth
- The 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)0.77
EPS Next 2Y10.79%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
- PAGS has a Yearly Dividend Yield of 1.27%.
- PAGS's Dividend Yield is a higher than the industry average which is at 2.17.
- PAGS's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
5.2 History
- PAGS is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y10.79%
EPS Next 3Y9.32%
10.93
+0.36 (+3.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-04 2026-03-04/amc
Inst Owners70.41%
Inst Owner Change-9.42%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.34B
Revenue(TTM)20.13B
Net Income(TTM)2.22B
Analysts75.79
Price Target12.34 (12.9%)
Short Float %10.81%
Short Ratio5.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
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)2.31%
PT rev (3m)5.3%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)1.21%
EPS NY rev (1m)0.64%
EPS NY rev (3m)-0.49%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)-1.95%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-2.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | 6.5 | ||
| P/S | 0.86 | ||
| P/FCF | 6.18 | ||
| P/OCF | 3.44 | ||
| P/B | 1.16 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | 1.46 |
EPS(TTM)1.47
EY13.45%
EPS(NY)1.68
Fwd EY15.39%
FCF(TTM)1.77
FCFY16.19%
OCF(TTM)3.18
OCFY29.07%
SpS12.71
BVpS9.4
TBVpS7.46
PEG (NY)0.72
PEG (5Y)0.77
Graham Number17.63
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
WACC7.95%
ROIC/WACC2.73
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 Y10.36%
EPS Next 2Y10.79%
EPS Next 3Y9.32%
EPS Next 5Y10.73%
Revenue 1Y (TTM)11.57%
Revenue growth 3Y21.65%
Revenue growth 5Y26.94%
Sales Q2Q%5.67%
Revenue Next Year10.22%
Revenue Next 2Y7.93%
Revenue Next 3Y6.63%
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 10.36% in the next year.