PagSeguro Digital Ltd

PagSeguro Digital Ltd

PAGS · NYSE · Technology / Software - Infrastructure

7.98USD+0.16 (+2.05%)

Price History

Full chart

Market Stats

Previous Close7.82
Open7.79
Day Range7.77 – 8.02
52-Week Range7.50 – 11.76
Volume3.47M
Market Cap2.36B
P/E (TTM)6.03
Forward P/E6.17
EPS1.42
Dividend Yield9.79%
Beta1.24
50-Day Avg9.75
200-Day Avg9.85

About

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.

Company Details

  • SectorTechnology
  • IndustrySoftware - Infrastructure
  • CEOMr. Carlos Mauad
  • Employees0
  • HeadquartersAv. Brigadeiro Faria Lima, No. 1,384, São Paulo, SP, Brazil, 01451-001, USA
  • Websitehttps://pagbank.com.br

Leadership

  • Mr. Carlos MauadChief Executive Officer
  • Mr. Gustavo Bahia Gama SechinCFO, Chief Accounting Officer & Investor Relations Officer
  • Mr. Ricardo Dutra da SilvaPrincipal Executive Officer · b. 1975

Financials

Income Statement

Currency: BRL2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue324.08M664.18M1.13B2.51B4.06B5.58B6.69B10.30B15.16B15.68B18.33B19.36B
Growth (%)-+104.94%+70.59%+121.95%+61.29%+37.59%+19.80%+54.04%+47.19%+3.44%+16.92%+5.57%
Cost of Revenue142.48M382.48M623.67M1.32B2.14B2.76B3.77B5.78B7.47B8.13B9.54B9.56B
Gross Profit181.60M281.69M509.38M1.19B1.91B2.82B2.91B4.52B7.69B7.55B8.79B9.79B
Gross Margin56.03%42.41%44.96%47.34%47.13%50.51%43.58%43.92%50.72%48.14%47.95%50.58%
Operating Expense132.78M223.77M284.40M398.94M933.11M992.54M1.18B2.40B2.61B2.16B2.83B2.52B
Operating Income48.82M57.92M224.98M791.49M978.44M1.83B1.73B2.12B5.07B5.39B5.96B7.27B
Operating Margin15.06%8.72%19.86%31.47%24.12%32.72%25.91%20.60%33.47%34.34%32.50%37.54%
EBITDA60.46M78.20M249.57M831.09M1.07B1.95B2.11B3.05B6.04B6.64B7.73B9.40B
EBITDA Margin18.66%11.77%22.03%33.05%26.27%35.02%31.54%29.59%39.85%42.36%42.15%48.55%
Net Income25.97M35.08M127.19M478.78M909.27M1.37B1.29B1.17B1.50B1.65B2.12B2.08B
Net Income Margin8.01%5.28%11.23%19.04%22.42%24.47%19.32%11.32%9.93%10.55%11.54%10.73%
R&D000000-278.22M430.36M---
R&D as % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%-2.70%2.84%---
Interest Expense9.33M18.95M62.96M95.97M29.73M38.14M109.23M790.63M3.15B3.27B3.75B5.13B
Interest Expense % of Total Revenue2.88%2.85%5.56%3.82%0.73%0.68%1.63%7.68%20.79%20.85%20.44%26.48%

Balance Sheet

Currency: BRL2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets817.60M1.30B2.37B4.24B11.42B3.62B4.30B5.58B45.33B55.11B72.90B74.37B
Total Liabilities391.04M838.82M1.74B3.37B4.84B1.63B2.50B3.69B33.49B41.87B58.23B59.74B
Total Equity424.78M459.69M626.86M870.39M6.55B1.99B1.79B1.89B11.84B13.24B14.67B14.63B
Cash1.20M6.89M79.97M66.77M2.76B349.01M315.75M322.15M1.83B2.90B927.67M1.86B
Total Debt00205.20M52.05M00161.36M755.30M12.00B16.38B40.64B44.34B
Net Debt-1.20M-6.89M125.23M-66.77M-2.76B-349.01M-154.39M433.15M10.17B13.48B39.71B42.48B

Cash Flow

Currency: BRL2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow17.56M56.37M71.88M471.30M-1.87B489.08M2.15B898.01M3.55B4.00B-3.42B2.57B
Investing Cash Flow-25.55M-49.64M-189.82M-215.31M-30.75M-1.87B-1.86B-1.47B-2.18B-2.70B-1.83B-2.25B
Financing Cash Flow75.03M3.21M186.17M-269.71M4.76B-1.77M-55.06M727.24M-1.33B-225.99M3.27B-443.29M
Capital Expenditure25.72M49.86M67.59M111.74M268.83M707.09M2.05B1.75B2.14B1.99B2.32B1.02B
Free Cash Flow-8.16M6.51M4.29M359.56M-2.14B-218.01M106.11M-853.82M1.41B2.01B-5.74B1.55B
Dividends Paid20.42M873.44K370.0956.39M0000000604.93M
FCF to OCF-46.50%11.55%5.97%76.29%114.38%-44.58%4.93%-95.08%39.80%50.29%167.93%60.39%
Dividend Paid to FCF-250.16%13.41%0.01%15.68%0.00%0.00%0.00%0.00%0.00%0.00%0.00%38.92%

Earnings

Report DateMay 30, 2017Aug 4, 2017Mar 9, 2018May 29, 2018Aug 30, 2018Nov 29, 2018Feb 21, 2019May 14, 2019Aug 15, 2019Nov 19, 2019Feb 27, 2020May 28, 2020Aug 27, 2020Nov 18, 2020Feb 25, 2021Jun 2, 2021Aug 12, 2021Nov 12, 2021Mar 22, 2022Jun 8, 2022Aug 25, 2022Nov 22, 2022Mar 2, 2023May 25, 2023Aug 24, 2023Nov 15, 2023Feb 28, 2024May 23, 2024Aug 20, 2024Nov 13, 2024Feb 20, 2025May 12, 2025Aug 13, 2025Nov 12, 2025Mar 4, 2026May 21, 2026Aug 12, 2026Nov 11, 2026
EPS Estimate0.000.000.640.600.730.860.980.981.051.201.301.080.961.061.291.011.101.231.341.111.151.281.281.111.281.321.471.481.611.701.831.771.831.912.231.990.400.41
EPS Actual0.200.270.720.750.790.941.021.011.041.181.251.110.900.801.300.990.821.261.281.111.211.161.251.201.271.361.631.631.681.782.011.811.881.942.330.370.41-
Surprise--12.50%25.00%8.22%9.30%4.08%3.06%-0.95%-1.67%-3.85%2.78%-6.25%-24.53%0.78%-1.98%-25.45%2.44%-4.48%0.00%5.22%-9.38%-2.34%8.11%-0.78%3.03%10.88%10.14%4.35%4.71%9.84%2.26%2.73%1.57%4.48%-81.56%2.50%-
Timing--Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hours

Key Statistics & Ratios

Market Cap2.36B
Enterprise Value11.18B
Trailing P/E6.03
Forward P/E6.17
Price / Sales0.12
Price / Book1.06
EPS1.42
Book Value10.84
Revenue (TTM)19.80B
Gross Profit (TTM)10.19B
EBITDA9.31B
Profit Margin10.86%
Operating Margin36.20%
Return on Equity14.54%
Return on Assets6.36%
Shares Outstanding155.19M
Shares Float141.01M
Beta1.24
Dividend Yield9.79%
Dividend Rate1.12
Payout Ratio13.08%

Analyst Ratings

Buy
Based on 16 analystsTarget 10.88
  • Strong Buy
    6
  • Hold
    9
  • Strong Sell
    1

Ownership Breakdown

Institutions
74.27%
Insiders
3.96%
Retail / Other
21.77%

Top Institutional Holders

  • BlackRock Inc
    16.09M5.84%
  • Robeco Institutional Asset Management BV
    12.83M4.65%
  • Artemis Investment Management LLP
    7.69M2.79%
  • Point72 Asset Management, L.P.
    6.85M2.48%
  • Polunin Capital Partners Ltd
    6.13M2.23%
  • State Street Corp
    4.41M1.60%
  • Acadian Asset Management LLC
    3.86M1.40%
  • Causeway Capital Management LLC
    3.13M1.14%
  • LSV Asset Management
    3.05M1.11%
  • Vanguard Portfolio Management, LLC
    2.92M1.06%
  • Geode Capital Management, LLC
    2.86M1.04%
  • The Goldman Sachs Group Inc
    2.33M0.84%
  • Morgan Stanley - Brokerage Accounts
    2.29M0.83%
  • AQR Capital Management LLC
    1.89M0.69%

Top Fund Holders

  • iShares Russell 2000 ETF
    4.80M1.74%
  • Artemis SmartGARP Glb EM Eq I Acc GBP
    4.50M1.63%
  • Robeco QI EM Active Equities I €
    3.46M1.26%
  • Bankinter IFS Flexible Multi-Asset EUR
    3.08M1.12%
  • Fidelity Small Cap Index
    1.83M0.67%
  • Artemis Fds(Lux)SmartGARP GlblEM Eq IUSD
    1.83M0.66%

Dividends

20263×
0.28Sep 16, 20260.26Apr 22, 20260.12Jan 28, 2026
20253×
0.12Oct 6, 20250.12Jul 16, 20250.14May 23, 2025