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 7.8, below the sector median of 30.3.
Operating margin of 36.2% supports profitability.
Carries low leverage with a debt-to-equity ratio of 0.12.
Recent Developments
- Dec 2025 Revenue of $20.41B (+8.5% YoY); net profit $2.12B.
- Trailing 12 Months Year-on-year growth — revenue -0.2%, earnings +10.1%.
- 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: | -0.20% |
Compounded Profit Growth
| 5 Years: | 12.08% |
| 1 Year: | 10.10% |
Stock Price Performance
| 1 Year: | +24.10% |
| 6 Months: | +15.07% |
| 3 Months: | +25.62% |
| 1 Month: | +26.83% |
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
- Golden Cross3d ago
- RSI (14)65.23 · Neutral
P/E of 7.84 is below the sector median of 30.29 — 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 11.72%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* 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 | 11.44 | 7.84 | $1.78B | 11.72% | 30.34% | 14.54% | 10.00% | 12.08% |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 210.96 | 26.64 | $5.09T | 0.46% | 74.66% | 117.21% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 347.72 | 39.88 | $5.07T | 0.32% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 524.51 | 29.19 | $3.89T | 0.79% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 418.51 | 31.19 | $2.17T | 0.95% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 321.68 | 41.08 | $1.54T | 0.72% | 16.70% | 44.25% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 877.55 | 19.82 | $991.10B | 0.05% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 516.79 | 131.83 | $843.65B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,571.80 | 51.02 | $603.73B | 0.50% | 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 | $179.60M |
| 2 | Robeco Institutional Asset Management B.V. | 6.06% | 12.83M | $143.15M |
| 3 | Point72 Asset Management, L.P. | 3.23% | 6.85M | $76.44M |
| 4 | Artemis Investment Management Llp | 2.88% | 6.09M | $67.99M |
| 5 | Polunin Capital Partners Ltd | 2.32% | 4.92M | $54.89M |
| 6 | State Street Corporation | 2.08% | 4.41M | $49.24M |
| 7 | Acadian Asset Management. LLC | 1.82% | 3.86M | $43.09M |
| 8 | Causeway Capital Management LLC | 1.48% | 3.13M | $34.93M |
| 9 | LSV Asset Management | 1.44% | 3.05M | $34.09M |
| 10 | Vanguard Portfolio Management LLC | 1.38% | 2.92M | $32.61M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PAGS
PagSeguro Digital Ltd. (PAGS) Stock Drops Despite Market Gains: Important Facts to Note - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxPUlh2QndfRTlLOXZwSDdWU0lHYkpQdXVmbURQTkFBSnQ2NlRIcEkySFNyaEhqNGpGbFJUMnhUVGdEMld5M0xiLXNtRG1vWkZHclpfa2pxUkJCV09sc1VNRk56aDctZlJ0STBrR3p4LW00QVFXMUdIYVVMd0FIV0ZhR2FQeDFjODhfSXltVE…
A Look at PagSeguro Digital Ltd (PAGS) After 5.3% Gain -- GF Val - GuruFocus
<a href="https://news.google.com/rss/articles/CBMiuAFBVV95cUxQYi1hSVhZSXJuek5kbU9nSnJsVlVWaXU1b1lhMVN5WkdkaGd3YWVxQm14WTNzcnpOWGxZQnFzSFB4TUowRnJLMDE3RUk4YjJrSFRSUC1sTHRZX2x3SzRpTTVELWNfQ1pSVWlwR0I3Sml5OEl2LVJ4bHVvNmJSVDVYZjV3TkxKY3dxNUppN2…
A PagSeguro Digital (PAGS) director sold 16,209 shares, then another 47,100 the next day. - Stock Titan
<a href="https://news.google.com/rss/articles/CBMitwFBVV95cUxPSTJwRnEwWDUzNmVhZHlvdWpuTmhQaWVoY0wxNGE5RVdUYWlya3lPS1g5RUoxRlVUMnVhU3QyQnotaEMwakZZUGFmNExIWEhubW9HWmE4MUlMdlRBajhObVNkUXBiV2RFcDF5LXN3aXI4UFFNay10S0V2RGhCNjdTdnl4UV84UFoyUHFYa1…
Brazilian Fintechs Earnings Preview Q3: My Thoughts On PAGS, PICS And STNE - Seeking Alpha
<a href="https://news.google.com/rss/articles/CBMiswFBVV95cUxNS1BqeW9EdF8ybmx0aUllNEg1cnRkWTZUMkYzbUdwb05WV2xOckU0VkdCdnFmMGkwM1JBeVkxeEVzMGVBaE9YNy1RUmpEY3gxVGY2dC1LQm9pbmdyMGF0WFdRV3dEUjc5UTBnWkJVZlpjY1NCemVmNHlJMnpxcjkwX19YbzNMcllhaXhRbT…
PagSeguro Digital Ltd. (PAGS) Surpasses Market Returns: Some Facts Worth Knowing - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxNcDROeVRmZlBJRlVlc3VkTjl2LU9Tak9VbUVqcm9jTDI5bVNKc2M5R08tZmJaODFET1FSRERGdHg0S0tabnBwdkd1TUxDWFE2UEtHNnVDRjNobGZEaGw0aXJvUW80dmtIVmxaQzZhdWp3NW1zclVValpPMC05dUVKZEJhLWxfTXFuMEFSVE…
Do Options Traders Know Something About PAGS Stock We Don't? - TradingView
<a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxOdWZtY19ZdXFCTWZYN2pldS1ZbHNvb2ViUnN1SDJFUGg2MHI4YnR5b1J2YW5WUG52ZHpwRDhFRW1QV1dFM2ZLVmtrdlRQbHRmZUk2MDNMR2dzNzQzRVVGaTcyZEV3RWpibVluNXd2RDViRmZZU0hta0pMMXNpbFpaMnktNlBCOHhfdE9mSn…
PAGS — Frequently Asked Questions
What is the current share price of PagSeguro Digital Ltd. (PAGS)?
As of 2026-10-23 16:27 PDT, PagSeguro Digital Ltd. (PAGS) trades at $11.44 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 $1.78B on NYSE.
What is the P/E ratio of PAGS?
PAGS trades at a trailing price-to-earnings (P/E) ratio of 7.84. The industry average P/E is 30.29. Its price-to-book (P/B) ratio is 0.88.
Does PAGS pay a dividend?
PagSeguro Digital Ltd. (PAGS) currently offers a dividend yield of 11.72%.
What is the return on equity (ROE) of PAGS?
PAGS has a return on equity (ROE) of 14.54%. 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.