PagSeguro Digital Ltd.

PagSeguro Digital Ltd.

PAGS
PagSeguro Digital Ltd.US flagNew York Stock Exchange
9.56
USD
+0.27
- -
2.76BMarket Cap
PagSeguro Digital Ltd.
PAGS
(New York Stock Exchange)

Recent

price

9.56

P/E

ratio

- -

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.03
2.57
4.34
9.62
13.65
17.39
20.69
31.63
46.88
49.56
59.51
69.14
71.14
Revenue per Share
0.08
0.13
0.48
1.83
2.86
4.16
3.92
3.53
4.6
5.14
6.7
7.18
7.4
Basic EPS, GAAP
-0.02
0.02
0.02
1.32
-6.35
-0.65
0.32
-2.58
4.32
6.25
-18.15
17.91
17.58
Free Cash Flow per Basic Share
- -
- -
- -
0.21
- -
- -
- -
- -
- -
- -
- -
2.09
2.73
Dividend per Share
0.14
1.68
2
2
2.86
6.93
10.83
14.33
19.07
24.52
31.66
38.36
39.7
Book Value per Share
1.26
1.58
2.06
2.71
19.73
22.63
24.91
26.8
29.6
33.16
37.15
38.85
39.07
Tangible Book Value per Share
315
262
262
262
318
328
329
330
327
322
316
295
289
Basic Weighted Avg Shares
326
675
1,138
2,523
4,335
5,707
6,815
10,449
15,335
15,948
18,810
20,411
20,566
Sales/Revenue/Turnover
15.52
10.17
20.23
31.71
29
34.21
27.31
21.74
34.23
35.45
34.21
39.58
40.18
Operating Margin (%)
12
19
31
52
95
128
376
769
1,131
1,356
1,601
1,808
1,830
Depreciation Expense
26
35
127
479
909
1,366
1,292
1,166
1,505
1,654
2,116
2,118
2,139
Net Income, GAAP
24.62
11.97
17.75
29.95
25.23
28.52
27.18
21.62
14.47
18.02
11.07
16.91
17.43
Effective Tax Rate (%)
7.97
5.2
11.17
18.97
20.98
23.93
18.95
11.16
9.81
10.37
11.25
10.38
10.4
Profit Margin (%)
393
408
552
709
6,331
7,655
7,673
7,716
10,027
14,297
21,876
17,150
19,540
Working Capital
- -
- -
- -
- -
- -
- -
194
78
1,895
4,823
11,412
9,480
11,242
LT Debt
427
462
627
870
6,574
8,015
9,327
10,502
11,842
13,241
14,668
14,640
14,522
Total Equity
- -
13.52
29.06
63.64
24.73
18.83
14.79
14.27
23.18
14.2
11.8
11.8
12.15
Return on Invested Capital (%)
- -
24.92
31.15
87.77
127.5
86.15
41.27
27.02
30.99
16.09
12.63
10.97
10.91
Return on Capital (%)
- -
14.49
26.33
91.27
126.83
85.77
44.22
28.1
27.43
23.41
23.65
19.86
19.43
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
32,646
33,628
32,717
LT Borrowings
9,202
9,480
11,242
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
291
280
280
Market Capitalization
16,035
15,628
15,072

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
63,192
64,933
65,469
Cash, Cash Equivalents & STI
1,886
4,487
4,417
Accounts Receivable, Net
56,625
55,563
55,478
Inventories
1
- -
- -
Total Current Liabilities
44,501
47,783
45,929
Payables & Accruals
11,446
12,632
11,614
ST Debt
32,646
33,628
32,717
Deferred Revenue
101
98
87

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
- -
- -
- -
- -

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
- -
- -
- -
- -

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
- -
- -
- -
- -
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.

Company News

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  • PagBank meldet wiederkehrenden Nettogewinn von 575 Millionen Real im 1. Quartal 2026, angetrieben durch Ertragswachstum und Effizienzsteigerungen

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  • PagBank reports recurring net income of R$ 575 million in 1Q26, driven by revenue growth and efficiency gains

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  • PagSeguro Files its Annual Report on Form 20-F for the Fiscal Year Ended December 31, 2025