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Technology - Software - Infrastructure - NYSE - BR
$ 7.82
-0.635 %
$ 2.58 B
Market Cap
6.68
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PAGS stock under the worst case scenario is HIDDEN Compared to the current market price of 7.82 USD, PagSeguro Digital Ltd. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PAGS stock under the base case scenario is HIDDEN Compared to the current market price of 7.82 USD, PagSeguro Digital Ltd. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PAGS stock under the best case scenario is HIDDEN Compared to the current market price of 7.82 USD, PagSeguro Digital Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PAGS

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$9.0$9.0$8.5$8.5$8.0$8.0$7.5$7.5$7.0$7.0$6.5$6.5$6.0$6.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
18.3 B REVENUE
16.92%
5.96 B OPERATING INCOME
10.65%
2.12 B NET INCOME
4.92%
-3.42 B OPERATING CASH FLOW
-85.41%
-1.83 B INVESTING CASH FLOW
32.31%
3.27 B FINANCING CASH FLOW
1549.16%
5 B REVENUE
6.33%
1.69 B OPERATING INCOME
13.32%
599 M NET INCOME
12.78%
-601 M OPERATING CASH FLOW
12.76%
-282 M INVESTING CASH FLOW
-1064.42%
1.09 B FINANCING CASH FLOW
13292.66%
Balance Sheet PagSeguro Digital Ltd.
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Current Assets 64.6 B
Cash & Short-Term Investments 1.42 B
Receivables 57.6 B
Other Current Assets 5.57 B
Non-Current Assets 8.28 B
Long-Term Investments 0
PP&E 2.57 B
Other Non-Current Assets 5.71 B
79.06 %7.64 %3.53 %7.83 %Total Assets$72.9b
Current Liabilities 42.7 B
Accounts Payable 663 M
Short-Term Debt 4.61 B
Other Current Liabilities 37.5 B
Non-Current Liabilities 15.5 B
Long-Term Debt 72 M
Other Non-Current Liabilities 15.4 B
7.91 %64.35 %26.47 %Total Liabilities$58.2b
EFFICIENCY
Earnings Waterfall PagSeguro Digital Ltd.
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Revenue 18.3 B
Cost Of Revenue 9.54 B
Gross Profit 8.79 B
Operating Expenses 2.83 B
Operating Income 5.96 B
Other Expenses 3.84 B
Net Income 2.12 B
20b20b18b18b16b16b14b14b12b12b10b10b8b8b6b6b4b4b2b2b0018b(10b)9b(3b)6b(4b)2bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
47.95% GROSS MARGIN
47.95%
32.50% OPERATING MARGIN
32.50%
11.54% NET MARGIN
11.54%
14.43% ROE
14.43%
2.90% ROA
2.90%
15.24% ROIC
15.24%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis PagSeguro Digital Ltd.
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3b3b2b2b1b1b00(1b)(1b)(2b)(2b)(3b)(3b)(4b)(4b)(5b)(5b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 2.12 B
Depreciation & Amortization 1.6 B
Capital Expenditures -1.13 B
Stock-Based Compensation 179 M
Change in Working Capital -10.9 B
Others 14.1 B
Free Cash Flow -4.55 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets PagSeguro Digital Ltd.
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Wall Street analysts predict an average 1-year price target for PAGS of $15 , with forecasts ranging from a low of $13 to a high of $16 .
PAGS Lowest Price Target Wall Street Target
13 USD 66.24%
PAGS Average Price Target Wall Street Target
15 USD 91.82%
PAGS Highest Price Target Wall Street Target
16 USD 104.60%
Price
Max Price Target
Min Price Target
Average Price Target
161615151414131312121111101099887766May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership PagSeguro Digital Ltd.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
PAGS vs. FOUR: Which Stock Is the Better Value Option? Investors interested in stocks from the Financial Transaction Services sector have probably already heard of PagSeguro Digital Ltd. (PAGS) and Shift4 Payments (FOUR). zacks.com - 1 week ago
PAGS or RBA: Which Is the Better Value Stock Right Now? Investors interested in Financial Transaction Services stocks are likely familiar with PagSeguro Digital Ltd. (PAGS) and RB Global (RBA). zacks.com - 3 weeks ago
PagSeguro: Undervalued Fintech In Cheap Brazil Pagseguro presents a full banking value proposition, including B2B and B2C customers, with a strong management team and Grupo UOL support. Though not as “appealing” as Nubank, valuation at 5.8x P/E and P/B below 1 is extremely appealing. Share buybacks, continous growth and minimal multiple appreciation provide support for a significant upside. seekingalpha.com - 1 month ago
Best Value Stocks to Buy for March 12th PAGS, ENVA and TAP made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 12, 2025. zacks.com - 1 month ago
PagSeguro Q4: Overlooked By The Market, The Company's Profits Continue To Grow Total payment volume (TPV) surged 28% y/y to BRL 146 billion ($23.6 billion) in 4Q24, driven by Pix operations' growth from 7% to 17%. The expanded credit portfolio grew 46% y/y to BRL 48 billion ($7.8 billion), with receivables prepayment operations increasing 47% y/y to BRL 44.7 billion ($7.2 billion). The stock trades below 1x P/B, indicating upside potential of at least 23%. Improvements in the Brazilian macroeconomic scenario, driven by China, reinforce the buy thesis. seekingalpha.com - 1 month ago
Why PagSeguro Digital (PAGS) Might be Well Poised for a Surge PagSeguro Digital (PAGS) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 1 month ago
PAGS vs. DLO: Which Stock Is the Better Value Option? Investors with an interest in Financial Transaction Services stocks have likely encountered both PagSeguro Digital Ltd. (PAGS) and DLocal (DLO). zacks.com - 1 month ago
Wall Street Analysts See a 33.96% Upside in PagSeguro Digital (PAGS): Can the Stock Really Move This High? The average of price targets set by Wall Street analysts indicates a potential upside of 34% in PagSeguro Digital (PAGS). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock. zacks.com - 1 month ago
Build a Winning Portfolio With These 5 Bargain Price-to-Sales Stocks The price-to-sales ratio is a convenient tool to gauge the value of stocks incurring losses or in an early development cycle. Stocks like AAP, PAGS, ROCK, GBX and CHX hold promise. zacks.com - 1 month ago
PagSeguro Digital Ltd. (PAGS) Q4 2024 Earnings Call Transcript PagSeguro Digital Ltd. (NYSE:PAGS ) Q4 2024 Earnings Conference Call February 20, 2025 5:00 PM ET Company Participants Gustavo Sechin - Head, Investor Relations Ricardo Dutra - Principal Executive Officer Alexandre Magnani - Chief Executive Officer Artur Schunck - Chief Financial Officer Conference Call Participants Hasan Shirazi - Citi Beatriz Abreu - Goldman Sachs Antonio Ruette - Bank of America Ricardo Buchpiguel - BTG Pactual William Barranjard - Itau BBA Renato Meloni - Autonomous Research Maria Guedes - Safra Camila Azevedo - UBS Operator Good evening. seekingalpha.com - 1 month ago
PagSeguro Digital Ltd. (PAGS) Q4 Earnings and Revenues Beat Estimates PagSeguro Digital Ltd. (PAGS) came out with quarterly earnings of $0.34 per share, beating the Zacks Consensus Estimate of $0.29 per share. zacks.com - 1 month ago
PagBank closes 2024 with record net profit of R$2.3 billion Digital Bank records consistent growth across all business lines, with an increased customer base, TPV, and deposits. ROAE reaches 15.2% SÃO PAULO, Feb. 21, 2025 /PRNewswire/ -- PagBank (NYSE: PAGS), a leading digital bank offering a comprehensive suite of financial services and payment solutions – always searching to make the financial lives of people and businesses easier – closed the fourth quarter of 2024 (4Q24) with a net revenue of R$5.1 billion , an increase of 18% compared to the same period of 2023. prnewswire.com - 1 month ago
8. Profile Summary

PagSeguro Digital Ltd. PAGS

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COUNTRY BR
INDUSTRY Software - Infrastructure
MARKET CAP $ 2.58 B
Dividend Yield 0.00%
Description PagSeguro Digital Ltd., together with its subsidiaries, provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company's products and services include PagSeguro Ecosystem, a digital ecosystem that operates as a closed loop where its clients are able to address their primary day to day financial needs, including receiving and spending funds, and managing and growing their businesses; PagBank digital account, which offers banking services through the PagBank mobile app, as well as centralizes various cash-in options, functionalities, services, and cash-out options in a single ecosystem; and PlugPag, a tool for medium-sized and larger merchants that enables them to connect their point of sale (POS) device directly to their enterprise resource planning software or sales automation system through Bluetooth. It also offers cash-in solutions; online and in-person payment tools; and online gaming and cross-border digital services, as well as issues prepaid, credit, and cash cards. In addition, the company provides functionalities, and value-added services and features, such as purchase protection mechanisms, antifraud platform, account and business management tools, and POS app; and operates an online platform that facilitates peer-to-peer lending. Further, it is involved in processing of back-office solutions, including sales reconciliation, and gateway solutions and services, as well as the capture of credit cards with acquirers and sub acquirers. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
Contact Avenida Brigadeiro Faria Lima, 1384, São Paulo, SP, 01451-001 https://pagseguro.uol.com.br
IPO Date Jan. 24, 2018
Employees 6751
Officers Mr. Alexandre Magnani Chief Executive Officer Mr. Carlos Mauad Chief Operating Officer Mr. Artur Gaulke Schunck Chief Financial & Investor Relations Officer, Chief Accounting Officer and Director Mr. Éric Krahembuhl de Oliveira Head of Investor Relations Mr. Ricardo Dutra da Silva Principal Executive Officer