Company Overview
PicS N.V. operates as a digital financial services company that provides digital wallet and application for individuals and businesses in Brazil. The company offers a range of transactional products for its consumers, including Pix, an instant payment system, peer-to-peer between PicPay accounts, bill payments, payroll portability, global account, and a payment assistant that helps consumers organize, centralize, and settle bills through an integrated hub. The company also provides multipurpose cards; personal loans; instalment payments; payroll loans for public servants, retirees, and pensioners; private payroll loans for formally employed workers; and access to the FGTS annual birthday withdrawal program. In addition, it offers digital insurance distribution platform with products, such as digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, home insurance, and others, as well as provides a range of products to various investor profiles and financial goals. Further, the company offers a portfolio of products in QR code payments for small and medium-sized businesses; banking services; corporate benefits and salary advances; PicPay Shop that offers consumers to purchase a range of products and services; and PicPay Ads, an advertising platform designed to enable brands to reach engaged consumer base through contextualized placements within the app. PicS N.V. was formerly known as Picpay Holdings Netherlands B.V. The company was founded in 2012 and is based in São Paulo, Brazil. PicS N.V. is a subsidiary of Jf International B.v.
Why Investors Should Care
Generates a return on equity of 30.7%, reflecting efficient use of shareholder capital.
Revenue has grown at a 52.7% CAGR over the past five years.
Trades at a P/E of 5.6, below the sector median of 29.2.
Operating margin of 42.9% supports profitability.
Recent Developments
- Dec 2025 Revenue of $6.28B (+65.0% YoY); net profit $1.09B.
- Trailing 12 Months Year-on-year growth — revenue +67.0%, earnings -99.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 52.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 52.71% |
| 1 Year: | 67.00% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -99.70% |
Stock Price Performance
| 1 Year: | -41.89% |
| 6 Months: | -22.20% |
| 3 Months: | +17.20% |
| 1 Month: | -8.46% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- RSI (14)49.10 · Neutral
P/E of 5.63 is below the sector median of 29.22 — 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
- Strong return on equity of 30.7%.
- Compounding revenue at 52.7% over 5 years.
CONS
- Trading 41.9% below its 52-week high.
* 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 | PICS PicS N.V. TECH | 11.04 | 5.63 | $476.22M | 0.00% | - | 30.72% | 52.71% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 225.73 | 28.50 | $5.45T | 0.46% | 74.66% | 117.21% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 316.22 | 36.22 | $4.61T | 0.34% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 493.95 | 27.49 | $3.67T | 0.79% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 439.00 | 32.71 | $2.28T | 0.95% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 368.56 | 46.95 | $1.75T | 0.71% | 16.70% | 44.25% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,000.26 | 22.59 | $1.13T | 0.05% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 505.74 | 128.36 | $825.61B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,764.85 | 59.89 | $677.88B | 0.51% | 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 | - | 1.45B | 1.49B | 1.62B | 1.90B | 2.30B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 639.92M | 836.61M | 1.01B | 983.91M | 1.26B |
| Pretax Income | - | 76.62M | 106.06M | 167.91M | -33.25M | 221.71M |
| Tax Provision | - | -11.48M | -14.21M | 62.50M | -861.08M | 69.98M |
| Net Income | - | 88.10M | 104.08M | 93.31M | 821.11M | 151.74M |
| Diluted EPS | - | 0.68 | 0.80 | 0.72 | 6.39 | 1.17 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 1.76B | 1.87B | 3.81B | 6.28B |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | - | - | - | - |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 1.26B | 1.20B | 1.41B | 3.46B |
| Pretax Income | -698.88M | 1.67M | 345.97M | 317.34M |
| Tax Provision | -5.99M | -35.69M | 94.18M | -824.27M |
| Net Income | -45.69M | 34.52M | 217.57M | 1.09B |
| Diluted EPS | -0.35 | 0.27 | 1.68 | 8.81 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 12.16B | 15.78B | 27.32B | 41.99B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 134.57M | 4.52B | 2.78B | 5.70B |
| Inventory | - | - | - | - | - |
| Receivables | - | 3.42B | 3.43B | 3.88B | 4.15B |
| Total Liabilities | - | 11.00B | 14.58B | 25.55B | 38.10B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | 2.19B | - | - | 704.75M | 815.56M |
| Total Debt | - | 52.95M | 58.65M | 757.89M | 860.73M |
| Total Equity | - | 1.27B | 1.31B | 1.61B | 3.87B |
| Shares Outstanding | - | 129.59M | 129.59M | 129.59M | 129.59M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 7.34B | 1.57B | 2.29B | -3.74B |
| Investing Cash Flow | - | -63.23M | -537.08M | -2.53B | -684.34M |
| Financing Cash Flow | - | -1.06B | -12.24M | 327.15M | 815.41M |
| Capital Expenditure | - | -217.77M | -502.10M | -582.05M | -684.34M |
| Free Cash Flow | - | 7.12B | 1.06B | 1.71B | -4.42B |
| Net Change in Cash | - | 6.21B | 1.02B | 92.62M | -3.61B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | -2.6% | 1.8% | 5.7% | 17.4% |
| ROE % | -3.6% | 2.6% | 13.5% | 28.2% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Goldman Sachs Group Inc | 7.31% | 3.15M | $29.25M |
| 2 | FIL LTD | 4.02% | 1.73M | $16.08M |
| 3 | Samlyn Capital, LLC | 3.39% | 1.46M | $13.55M |
| 4 | Sagil Capital LLP | 3.01% | 1.30M | $12.06M |
| 5 | Blackrock Inc. | 1.31% | 564.81K | $5.24M |
| 6 | NORGES BANK | 1.16% | 500.00K | $4.64M |
| 7 | BlueCrest Capital Management Ltd | 0.87% | 375.00K | $3.48M |
| 8 | TEACHER RETIREMENT SYSTEM OF TEXAS | 0.58% | 250.00K | $2.32M |
| 9 | Schonfeld Strategic Advisors Llc | 0.57% | 246.28K | $2.29M |
| 10 | Whetstone Capital Advisors, LLC | 0.48% | 205.95K | $1.91M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PICS
Single-Dose Pegylated G-CSF Matches Daily G-CSF for Stem Cell Mobilization in Allogeneic Transplant Donors - OncLive
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Can PicS (NasdaqGS:PICS) Stay Cheap After Its ChatGPT Launch? - finance.yahoo.com
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An AI assistant can show PicPay customers their balances, but not handle transactions - Stock Titan
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PICS Stock Price and Chart — NASDAQ:PICS - tradingview.com
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$PICS stock is down 10% today. Here's what we see in our data. - Quiver Quantitative
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PICS — Frequently Asked Questions
What is the current share price of PicS N.V. (PICS)?
As of 2026-09-19 21:16 PDT, PicS N.V. (PICS) trades at $11.04 on NasdaqGS. Its 52-week range is $9.03 to $19.00.
What is the market capitalisation of PICS?
PicS N.V. (PICS) has a market capitalisation of $476.22M on NasdaqGS.
What is the P/E ratio of PICS?
PICS trades at a trailing price-to-earnings (P/E) ratio of 5.63. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 0.97.
What is the return on equity (ROE) of PICS?
PICS has a return on equity (ROE) of 30.72%.
Is PICS a good stock to buy?
This page provides a data-driven analysis of PicS N.V. (PICS), 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.