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Technology - Software - Infrastructure - NYSE - BR
$ 7.64
-2.3 %
$ 2.52 B
Market Cap
7.56
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one PAGS stock under the base case scenario is HIDDEN Compared to the current market price of 7.64 USD, PagSeguro Digital Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PAGS

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FINANCIALS
15.7 B REVENUE
3.44%
5.39 B OPERATING INCOME
6.14%
2.02 B NET INCOME
30.43%
3.88 B OPERATING CASH FLOW
8.21%
-2.7 B INVESTING CASH FLOW
-20.43%
-226 M FINANCING CASH FLOW
82.72%
4.7 B REVENUE
6.32%
1.49 B OPERATING INCOME
5.99%
531 M NET INCOME
-8.06%
-689 M OPERATING CASH FLOW
84.88%
26.5 M INVESTING CASH FLOW
-61.60%
8.14 M FINANCING CASH FLOW
-99.45%
Balance Sheet Decomposition PagSeguro Digital Ltd.
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Current Assets 48.7 B
Cash & Short-Term Investments 2.9 B
Receivables 42.5 B
Other Current Assets 3.34 B
Non-Current Assets 6.38 B
Long-Term Investments 1.26 B
PP&E 2.45 B
Other Non-Current Assets 2.67 B
Current Liabilities 34.4 B
Accounts Payable 514 M
Short-Term Debt 230 M
Other Current Liabilities 33.7 B
Non-Current Liabilities 7.44 B
Long-Term Debt 81.1 M
Other Non-Current Liabilities 7.36 B
EFFICIENCY
Earnings Waterfall PagSeguro Digital Ltd.
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Revenue 15.7 B
Cost Of Revenue 8.13 B
Gross Profit 7.55 B
Operating Expenses 895 M
Operating Income 5.39 B
Other Expenses 3.37 B
Net Income 2.02 B
RATIOS
48.14% GROSS MARGIN
48.14%
34.34% OPERATING MARGIN
34.34%
10.55% NET MARGIN
10.55%
12.49% ROE
12.49%
3.00% ROA
3.00%
32.77% ROIC
32.77%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis PagSeguro Digital Ltd.
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Net Income 2.02 B
Depreciation & Amortization 1.36 B
Capital Expenditures -1.94 B
Stock-Based Compensation 145 M
Change in Working Capital -3.49 B
Others 7.61 B
Free Cash Flow 1.95 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 $15.3 , with forecasts ranging from a low of $13 to a high of $18 .
PAGS Lowest Price Target Wall Street Target
13 USD 70.16%
PAGS Average Price Target Wall Street Target
15.3 USD 100.26%
PAGS Highest Price Target Wall Street Target
18 USD 135.60%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION
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
Date Value Insider Amount Avg Price
7. News
PagSeguro Digital Ltd. (PAGS) Beats Q3 Earnings and Revenue Estimates PagSeguro Digital Ltd. (PAGS) came out with quarterly earnings of $0.32 per share, beating the Zacks Consensus Estimate of $0.30 per share. zacks.com - 2 days ago
PagBank Reports Net Revenue of R$4.8 billion in 3Q24 Recurring net income reaches a record R$572 million, up 30% year-on-year;  Revenue growth driven by robust growth in acquiring (TPV) and acceleration of the banking platform SÃO PAULO, Nov. 14, 2024 /PRNewswire/ -- PagBank (NYSE: PAGS), a leading digital bank offering a comprehensive suite of financial services and payment solutions, announced strong results for the third quarter of 2024 (3Q24). The Company reported net revenues of R$4.8 billion in 3Q24 (+20% YoY). prnewswire.com - 2 days ago
PagSeguro Digital Ltd. (PAGS) Rises Higher Than Market: Key Facts In the closing of the recent trading day, PagSeguro Digital Ltd. (PAGS) stood at $8.12, denoting a +1.37% change from the preceding trading day. zacks.com - 1 week ago
PagSeguro Digital Ltd. (PAGS) Ascends But Remains Behind Market: Some Facts to Note In the most recent trading session, PagSeguro Digital Ltd. (PAGS) closed at $8.06, indicating a +0.25% shift from the previous trading day. zacks.com - 2 weeks ago
PagSeguro Digital Ltd. (PAGS) Suffers a Larger Drop Than the General Market: Key Insights PagSeguro Digital Ltd. (PAGS) concluded the recent trading session at $8.27, signifying a -0.24% move from its prior day's close. zacks.com - 3 weeks ago
PagSeguro Q2: Strong! Growing Profitably PagSeguro's 2Q24 results showed strong revenue growth (+34% TPV), combined with a conservative loan portfolio. Despite increased costs and expenses, net income grew by 31.7% y/y, supported by new product launches and innovation. The uncertainty surrounding the interest rate trajectory makes me believe that the company's more conservative approach is the correct one. The valuation remains attractive by any metric analyzed. seekingalpha.com - 1 month ago
Wall Street Bulls Look Optimistic About PagSeguro Digital (PAGS): Should You Buy? Investors often turn to recommendations made by Wall Street analysts before making a Buy, Sell, or Hold decision about a stock. While media reports about rating changes by these brokerage-firm employed (or sell-side) analysts often affect a stock's price, do they really matter? zacks.com - 1 month ago
PagSeguro: Gaining Market Share And Outpacing Industry TPV Growth Despite robust growth in revenue and earnings re-acceleration, PagSeguro's stock remains sensitive to high-interest rates, currently at 10.5%, impacting the stock's sentiment. The company significantly boosted FY2024 TPV guidance by 10%, driven by strong merchant services demand and a focus on medium and large enterprises. The management indicated that TPV growth in 2Q FY2024 was 3 times higher than the industry's growth, implying that the company is gaining market share. seekingalpha.com - 2 months ago
Why PagSeguro Plunged This Week PagSeguro reported solid growth and profitability, beating analyst estimates. However, analysts were worried about margin pressure on new business. fool.com - 2 months ago
PagBank posts record quarter with net income (Non-GAAP) of 542 million BRL (+31% y/y) In acquiring, record TPV of 124 billion BRL, three times the industry's growth; i n banking, record revenue of 434 million BRL, +41% higher than the same period in 2023 SÃO PAULO, Aug. 21, 2024 /PRNewswire/ -- PagBank (NYSE: PAGS), a complete digital bank in financial services and payments solution, announces its results for the second quarter of 2024 (2Q24). Among the key highlights of the period, the company recorded a record net income (Non-GAAP) of 542 million BRL (+31% y/y). prnewswire.com - 2 months ago
After Strong Q2, PagSeguro Stock Still Looks Cheap Some LatAm fintechs offer growth potential with cheap valuations, such as Nu Holdings, but alternatives like PagSeguro have more attractive valuations. PagSeguro's Q2 earnings show strong momentum with revenue growth, operational indicators, and credit portfolio improvements, leading to increased net income and revised guidance. Despite risks including macroeconomic, exchange rate, and competition, PagSeguro's valuation remains a strong aspect of the investment thesis, offering potential upside for investors. seekingalpha.com - 2 months ago
PagSeguro Digital Ltd. (PAGS) Q2 2024 Earnings Call Transcript PagSeguro Digital Ltd. (NYSE:PAGS ) Q2 2024 Results Conference Call August 20, 2024 5:00 PM ET Company Participants Eric Oliveira - Head, Investor Relations Ricardo Dutra - Principal Executive Officer Alexandre Magnani - Chief Executive Officer Artur Schunck - Chief Financial Officer Conference Call Participants Kaio Prato - UBS Pedro Leduc - Itau BBA Mario Pierry - Bank of America Tito Labarta - Goldman Sachs Neha Agarwala - HSBC Jorge Kuri - Morgan Stanley John Coffey - Barclays Yuri Fernandes - JPMorgan Bryan Keane - Deutsche Bank Gustavo Schroden - Bradesco BBI Gabriel Gusan - Citi Renato Meloni - Autonomous Research William Tang - Susquehanna International Group Operator Good evening. seekingalpha.com - 2 months ago
8. Profile Summary

PagSeguro Digital Ltd. PAGS

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COUNTRY BR
INDUSTRY Software - Infrastructure
MARKET CAP $ 2.52 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. Carlos Mauad Chief Operating Officer Mr. Alexandre Magnani Chief Executive 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