PagSeguro Digital Ltd. (PAGS)
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No price history available.
Key financial summary
Financials in BRL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | BRL bn | 7 | 10 | 15 | 16 | 18 | 19 | 20 | 21 |
| Operating profit | BRL bn | 7 | 7 | ||||||
| Net profit | BRL bn | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 3 |
| EPS reported | BRL | 6.96 | 7.50 | ||||||
| Operating cashflow per share | BRL | 8.72 | 2.36 | ||||||
| Capex per share | BRL | 3.45 | 4.41 | ||||||
| FCF per share | BRL | 5.27 | -2.04 | ||||||
| Free cash flow | BRL bn | 2 | -1 | ||||||
| Net debt | BRL bn | 38 | 45 | ||||||
| Book value equity | BRL bn | 15 | 15 | ||||||
| Book value per share | BRL | 49.12 | 53.73 | ||||||
| Number of shares | m | 297.87 | 279.46 | ||||||
| DPS (TTM paid) | BRL | 2.10 | 4.00 |
Financial summary
Financials in BRL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.61 | 6.39 | ||||||
| P/B LTM | x | 1.07 | 1.04 | ||||||
| P/S LTM | x | 0.81 | 0.79 | ||||||
| P/FCF LTM | x | 10.03 | -27.56 | ||||||
| EV/EBITDA LTM | x | 6.18 | 5.97 | ||||||
| EV/Sales LTM | x | 3.00 | 0.84 | ||||||
| Earnings Yield LTM | % | +13.14% | +15.65% | ||||||
| FCF Yield | % | +9.97% | -3.63% | ||||||
| Quality | |||||||||
| ROE | % | +14.19% | +14.60% | ||||||
| ROIC | % | +9.83% | +11.01% | ||||||
| Operating margin | % | +37.54% | +27.41% | ||||||
| Gross margin | % | +50.58% | +43.24% | ||||||
| FCF/Sales | % | +8.03% | -3.33% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +5.14% | +13.29% | ||||||
| Sales Growth YoY | % | +5.57% | +7.96% | ||||||
| Net Income Growth YoY | % | -1.87% | +1.52% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +21.95% | +25.46% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.88% | +7.11% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | +29.18% | +42.77% | ||||||
| FCF/Debt | x | 0.04 | -0.01 | ||||||
| Net Debt/EBITDA | x | 4.52 | 0.12 | ||||||
| EBIT/Net interest | x | 1.42 | 0.87 | ||||||
| Net debt/market cap | % | +2.84% | +1.32% | ||||||
| Net debt/Equity | x | 2.57 | 3.01 | ||||||
| Gross debt/equity | x | 3.03 | 3.10 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
PagSeguro Digital Ltd., together with its subsidiaries, engages in the provision of financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. It provides digital banking solutions, including deposits, top-ups, debt management services, tax collections, wire transfers, ATM withdrawals, and various online and point-of-sale (POS) payment solutions; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. The company offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as investment and portfolio advisory, financial education, brokerage, fund management, treasury, and research services; and operates 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; and PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
PagSeguro Digital Ltd., together with its subsidiaries, engages in the provision of financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. It provides digital banking solutions, including deposits, top-ups, debt management services, tax collections, wire transfers, ATM withdrawals, and various online and point-of-sale (POS) payment solutions; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. The company offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as investment and portfolio advisory, financial education, brokerage, fund management, treasury, and research services; and operates 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; and PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
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