PagSeguro Digital Ltd.

PagSeguro Digital Ltd.

PAGS
PagSeguro Digital Ltd.US flagNew York Stock Exchange
11.51
USD
+0.38
- -
3.19BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.03
2.57
4.34
9.62
13.65
17.39
20.69
31.86
46.88
49.56
59.51
69.14
72.53
Basic EPS, GAAP
0.08
0.13
0.48
1.83
2.86
4.16
3.92
3.56
4.6
5.14
6.7
7.18
7.58
Free Cash Flow per Basic Share
-0.02
0.02
0.02
1.32
-6.35
-0.65
0.32
-2.6
4.32
6.25
-18.15
17.91
13.62
Dividend per Share
- -
- -
- -
0.21
- -
- -
- -
- -
- -
- -
- -
2.09
3.23
Book Value per Share
1.62
1.75
2.39
3.31
20.01
24.34
28.33
32.03
36.52
41.92
48.28
52.34
54.48
Tangible Book Value per Share
1.51
1.57
2.06
2.7
19.08
22.55
24.91
26.99
29.86
33.78
38.65
41
42.72
Basic Weighted Avg Shares
315
262
262
262
318
328
329
328
327
322
316
295
284
Sales/Revenue/Turnover
326
675
1,138
2,523
4,335
5,707
6,815
10,449
15,335
15,948
18,810
20,411
20,588
Operating Margin (%)
15.52
10.17
20.23
31.71
29
34.21
27.31
21.74
34.23
35.45
34.21
39.58
40.13
Depreciation Expense
12
19
31
52
95
128
376
769
1,131
1,356
1,601
1,808
1,856
Net Income, GAAP
26
35
127
479
909
1,366
1,292
1,166
1,505
1,654
2,116
2,118
2,151
Effective Tax Rate (%)
24.62
11.97
17.75
29.95
25.23
28.52
27.18
21.62
14.47
18.02
11.07
16.91
17.3
Profit Margin (%)
7.97
5.2
11.17
18.97
20.98
23.93
18.95
11.16
9.81
10.37
11.25
10.38
10.45
Working Capital
393
408
552
709
6,331
7,655
7,673
7,716
10,027
14,297
21,876
17,150
23,390
LT Debt
- -
- -
- -
- -
- -
- -
194
78
1,895
4,823
11,412
9,480
14,679
Total Equity
427
462
627
870
6,574
8,015
9,327
10,502
11,842
13,241
14,668
14,640
15,016
Return on Invested Capital (%)
- -
13.52
29.06
63.64
24.73
18.83
14.79
14.27
23.18
14.2
11.8
11.8
11.88
Return on Capital (%)
- -
13.69
28.25
64.85
25.02
19.07
15.14
14.44
21.83
13.37
11.31
10.2
10.32
Return on Common Equity (%)
- -
7.93
23.41
64.1
24.52
18.78
14.93
11.77
13.47
13.19
15.17
14.46
14.53

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
33,628
32,717
29,608
LT Borrowings
9,480
11,242
14,679
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
280
280
276
Market Capitalization
14,807
14,572
12,939

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
64,933
65,469
65,887
Cash, Cash Equivalents & STI
4,487
4,417
3,711
Accounts Receivable, Net
55,563
55,478
56,618
Inventories
- -
- -
- -
Total Current Liabilities
47,783
45,929
42,497
Payables & Accruals
12,632
11,614
11,205
ST Debt
33,628
32,717
29,608
Deferred Revenue
98
87
80

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
81.59%
9.55%
-0.2%
Free Cash Flow
478.17%
-341.01%
-192.13%
Net Income, GAAP
73.09%
11.46%
0.09%
Sales/Revenue/Turnover
44.37%
26.11%
8.51%
Total Cash Common Dividend
- -
- -
1,036.95%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,306
4,557
4,831
5,115
18,810
2025
4,850
5,058
5,105
5,397
20,411
2026
5,006
5,080
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.52
1.58
1.67
1.93
6.7
2025
1.73
1.8
1.9
1.74
7.18
2026
1.95
1.98
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
0.79
0.67
0.65
2.09
2026
0.62
1.31
- -
- -
- -

Company Description

CEO
Carlos Mauad
Full Time Employees
7,044
Sector
Industrials
Industry
Specialty Business Services
Address
Av. Brigadeiro Faria Lima, No. 1,384 São Paulo SP Brazil 01451-001
IPO Date
Jan 24, 2018
Business
PagSeguro Digital Ltd. (NYSE: PAGS) is a leading financial technology company in Latin America that provides digital payment solutions and financial services primarily to small and medium-sized enterprises (SMEs), merchants, and consumers in Brazil. The company offers a comprehensive suite of products and services, including PagSeguro's flagship payment platform supporting online and physical point-of-sale transactions via credit card processing, debit payments, boleto bancário, PIX instant payments, and QR code-based collections; free POS terminals and software for in-person sales; prepaid PagSeguro cards for fund management and ATM withdrawals; digital banking accounts through its PagBank division with features such as transfers, investments in fixed-income products like CDBs and LCIs, personal loans, working capital financing, insurance policies covering merchant protection and equipment warranties; and freecharge accounts for seamless fund storage and usage. These offerings cater to Brazil's underserved SME segment, enabling cashless commerce, financial inclusion, and business growth through integrated e-commerce tools, invoicing, and analytics dashboards. Founded in 2006 and headquartered in São Paulo, Brazil, PagSeguro Digital operates predominantly in the Brazilian market, with a subsidiary structure including PagSeguro Internet Pagamentos Ltda. and PagBank, serving millions of users across retail, services, and e-commerce sectors. The company functions as a subsidiary of UOL Group, a major Brazilian internet conglomerate, which provides synergies in technology and distribution. Its platform processes billions in transaction volume annually, positioning it as a key player in the fintech industry amid Brazil's rapid digital payment adoption. In recent developments, PagSeguro Digital has expanded its PagBank offerings with new personal loan products and enhanced investment options targeting retail customers, alongside strategic investments in machine learning for fraud prevention and customer personalization as of 2024-2025. The company reported robust growth in its Q3 2025 earnings, driven by a 25% increase in total payment volume (TPV) and banking revenue, reflecting successful execution of its SME-focused expansion strategy. No major acquisitions, partnerships, or rebranding have been announced in the last 1-2 years, with focus remaining on organic growth and regulatory compliance in Brazil's evolving fintech landscape.

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