PagSeguro Digital Ltd. PAGS R2KR3KTECH
Company Overview
PagSeguro Digital Ltd., together with its subsidiaries, provides financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company provides digital banking solutions, including bill payments, deposits, top-ups, debt management, direct deposits, pix, tax collections, tax collections, wire transfer, and ATM withdrawal; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. It offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as recommendation from our distribution team, financial education, stocks and REITs, investment, PagBank CD, Third-party fixed income, treasury, automatic savings and money boxes; and operates cashback and Shopping PagBank, a marketplace for various brands. In addition, it provides software solutions comprising PagVendas, a POS software app; ClubPag, a marketing tool that allows merchants to advertise across client base, available for POS devices; PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology; and Envio Fácil, a logistics solution for online sales. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
Why Investors Should Care
Return on capital employed stands at 30.3%.
Net profit has compounded at 12.1% per year over the last five years.
Revenue has grown at a 10.0% CAGR over the past five years.
Trades at a P/E of 6.8, below the sector median of 32.4.
Operating margin of 37.3% supports profitability.
Carries low leverage with a debt-to-equity ratio of 0.18.
Recent Developments
- Dec 2025 Revenue of $20.41B (+8.5% YoY); net profit $2.12B.
- Trailing 12 Months Year-on-year growth — revenue +1.5%, earnings +12.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 10.0%, profit CAGR 12.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 10.00% |
| 1 Year: | 1.50% |
Compounded Profit Growth
| 5 Years: | 12.08% |
| 1 Year: | 12.20% |
Stock Price Performance
| 1 Year: | +5.55% |
| 6 Months: | +1.15% |
| 3 Months: | +14.07% |
| 1 Month: | +3.95% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)62.86 · Neutral
P/E of 6.85 is below the sector median of 32.42 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Healthy ROCE of 30.3%.
- Profit CAGR of 12.1% over 5 years.
- Attractive dividend yield of 11.11%.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PAGS PagSeguro Digital Ltd. R2KR3KTECH | 9.73 | 6.85 | $1.55B | 11.11% | 30.34% | 14.52% | 10.00% | 12.08% |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 4.85B | 5.06B | 5.11B | 5.40B | 5.01B |
| Cost of Revenue | - | 2.36B | 2.41B | 2.40B | 2.53B | 2.32B |
| Gross Profit | - | 2.49B | 2.65B | 2.71B | 2.87B | 2.69B |
| Operating Expenses | - | 666.05M | 679.03M | 633.76M | 656.27M | 677.23M |
| Operating Income | - | 1.82B | 1.97B | 2.08B | 2.21B | 2.01B |
| EBITDA | - | 2.20B | 2.09B | 2.49B | 1.71B | 2.42B |
| Interest Expense | - | 1.18B | 1.03B | 1.39B | 534.15M | 1.34B |
| Pretax Income | - | 579.91M | 616.25M | 636.43M | 716.84M | 620.82M |
| Tax Provision | - | 54.82M | 79.49M | 81.95M | 214.81M | 75.30M |
| Net Income | - | 525.09M | 536.76M | 554.49M | 502.02M | 545.52M |
| Diluted EPS | - | 1.72 | 1.79 | 1.88 | 1.73 | 1.93 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 15.33B | 15.95B | 18.81B | 20.41B |
| Cost of Revenue | - | 7.47B | 8.13B | 9.54B | 9.70B |
| Gross Profit | - | 7.86B | 7.82B | 9.27B | 10.71B |
| Operating Expenses | - | 2.61B | 2.16B | 2.83B | 2.64B |
| Operating Income | - | 5.25B | 5.65B | 6.43B | 8.08B |
| EBITDA | - | 6.04B | 6.64B | 7.73B | 8.74B |
| Interest Expense | - | 3.15B | 3.27B | 3.75B | 4.39B |
| Pretax Income | - | 1.76B | 2.02B | 2.38B | 2.55B |
| Tax Provision | - | 254.55M | 363.42M | 263.56M | 431.06M |
| Net Income | - | 1.50B | 1.65B | 2.12B | 2.12B |
| Diluted EPS | - | 4.57 | 5.10 | 6.62 | 7.11 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 45.33B | 55.11B | 72.90B | 74.41B |
| Current Assets | - | 39.77B | 48.73B | 64.62B | 64.93B |
| Cash & Equivalents | - | 1.83B | 2.90B | 927.67M | 1.86B |
| Inventory | - | 13.28M | 33.54M | 1.64M | 0 |
| Receivables | - | 36.25B | 41.76B | 56.17B | 55.56B |
| Total Liabilities | - | 33.49B | 41.87B | 58.23B | 59.77B |
| Current Liabilities | - | 29.74B | 34.43B | 42.74B | 47.78B |
| Long Term Debt | - | 1.89B | 4.82B | 11.41B | 9.48B |
| Total Debt | - | 12.00B | 27.76B | 40.64B | 43.11B |
| Total Equity | - | 11.84B | 13.24B | 14.67B | 14.64B |
| Shares Outstanding | - | 329.61M | 329.61M | 329.61M | 305.68M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 3.55B | 4.00B | -3.42B | 7.56B |
| Investing Cash Flow | - | -2.18B | -2.70B | -1.83B | -2.30B |
| Financing Cash Flow | - | -1.33B | -225.99M | 3.27B | -4.33B |
| Capital Expenditure | - | -2.14B | -1.99B | -2.32B | -2.28B |
| Free Cash Flow | - | 1.41B | 2.01B | -5.74B | 5.29B |
| Net Change in Cash | - | 34.73M | 1.07B | -1.97B | 929.84M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | 51.3% | 49.0% | 49.3% | 52.5% |
| Operating Margin % | - | 34.2% | 35.4% | 34.2% | 39.6% |
| Net Margin % | - | 9.8% | 10.4% | 11.3% | 10.4% |
| ROE % | - | 12.7% | 12.5% | 14.4% | 14.5% |
| ROCE % | - | 33.7% | 27.3% | 21.3% | 30.3% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.60% | 16.09M | $143.07M |
| 2 | Robeco Institutional Asset Management B.V. | 6.06% | 12.83M | $114.03M |
| 3 | Artemis Investment Management Llp | 3.63% | 7.69M | $68.32M |
| 4 | Point72 Asset Management, L.P. | 3.23% | 6.85M | $60.90M |
| 5 | Polunin Capital Partners Ltd | 2.32% | 4.92M | $43.72M |
| 6 | State Street Corporation | 2.08% | 4.41M | $39.22M |
| 7 | Acadian Asset Management. LLC | 1.82% | 3.86M | $34.32M |
| 8 | Causeway Capital Management LLC | 1.48% | 3.13M | $27.83M |
| 9 | LSV Asset Management | 1.44% | 3.05M | $27.16M |
| 10 | Vanguard Portfolio Management LLC | 1.38% | 2.92M | $25.97M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PAGS
Do Options Traders Know Something About PAGS Stock We Don't? - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxOd1IxSElqV3lrc1pxeW1rSV9MaU1ZZWtLWVdPdTViUHB6cXV4VGMtTDc4azdoZU1taHdKcWNFaXo3SXd5Yk41ajhPbmd6YWZRZ3RNQXFBVUhFYkJzRzRvUVg5bFlyMDNjS1Uta3RvQm5CTWt2ZEdPQ1lNcXdidkpmUXc0S3p2M0lTa01UYU…
PagSeguro Digital Ltd. (PAGS) Stock Sinks As Market Gains: Here's Why - Eastern Progress
<a href="https://news.google.com/rss/articles/CBMi3wFBVV95cUxPdm1zelFMNFhsRDAxMW91dTNVcndWT2t3UzJiYXdORnY3RWhCZXlpbGNwWnctNUw0TXgyc0gtUGVSZktZSE5oZG1NSHN0TlE0enNHWjY3YklSbTVETDUxWjc4NEFONG9ySWRNa2ZjT0RRTjEtT2hBdzMtazBCTEJ5Zk9mVXU1SlVaeEpvc0…
PagSeguro (NYSE: PAGS) maps multi-year dividends and a fresh buyback—see how much cash it aims to return - Stock Titan
<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxOeVY5SVQ0aWpIVzlpZ1F1S0xrVmlDQ1VQdkk2VXVCMjk2RmNOb0c0Z0c3VW9SUV9vZnJZbkI4cHIxT2NIWm9rMXJqQWhIaDk0Q0l1MDFJV3VBajF0el9SYnZvb0lkZkhGOHQzY0NSNEpxd0l3NzdCV0NqTjBPa1ozN05abW1leEhuZ05pZ2…
PagSeguro (PAGS) Stock Price Slips As Profitability Holds Firm - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi4gFBVV95cUxQZ1dSWkVySHhCVFFWYlNrU2xNd2RIdEhHWWthdzc0dzBzc1lyc3JpYkxKZElsLVJfa1RjenNoaHpKM3ZVNENSRXlpeVFMSTlkMFQzaTNzcHZVV25PVGxoMVZxdTZGVjZzVjlJTXFiVXBYaERUcjBVMjQySGF2VVJya3RGN1ZQUnM1MlR3Ul…
PagSeguro Digital: The Market Is Pricing In Way Too Much Risk (NYSE:PAGS) - Seeking Alpha
<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxOdEJ0elA1eEhoaXFNZ3NvTzIyMk5PbU9JTEkzYnZ1bXVQektXcEZ0b1U1TUNULVhMbFgtSHcxRFFCVGVPa3AzRllhM2FuOFBxcXlqVEdHaXYwdHROTEU2MmEzaWFfVk0yRFRqSExXUFY4YkE4VkY0eERVYkZWRzF6LWpmbWR1WHdndDdmaj…
PagSeguro Digital Ltd. (PAGS) Misses Q1 Earnings and Revenue Estimates - Eastern Progress
<a href="https://news.google.com/rss/articles/CBMi4wFBVV95cUxQU0VaZTVzWHlOek9iRm1SOGFGdzdYVTh2a1dCQkpSb3NWcmMwMWx6YUNXb3ltQnJudmMwWDJrYjlaRDloTmZGcXRDak5adXhrZmNJM0hqYTg3d3lsaDRjS29veDhYdFhLYkRlT2Z0QnE2NUtJRGVEclBILXh5VE5QbE9ubWdqYnNkTHI0bW…
PAGS — Frequently Asked Questions
What is the current share price of PagSeguro Digital Ltd. (PAGS)?
As of 2026-09-07 16:24 PDT, PagSeguro Digital Ltd. (PAGS) trades at $9.73 on NYSE. Its 52-week range is $8.18 to $11.72.
What is the market capitalisation of PAGS?
PagSeguro Digital Ltd. (PAGS) has a market capitalisation of $1.55B on NYSE.
What is the P/E ratio of PAGS?
PAGS trades at a trailing price-to-earnings (P/E) ratio of 6.85. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is 0.90.
Does PAGS pay a dividend?
PagSeguro Digital Ltd. (PAGS) currently offers a dividend yield of 11.11%.
What is the return on equity (ROE) of PAGS?
PAGS has a return on equity (ROE) of 14.52%. Its return on capital employed (ROCE) is 30.34%.
Is PAGS a good stock to buy?
This page provides a data-driven analysis of PagSeguro Digital Ltd. (PAGS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.