PicS N.V. (PICS)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in BRL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | BRL bn | - | 1 | 3 | 3 | 5 | 6 | 10 | 15 |
| Operating profit | BRL bn | 0 | 1 | ||||||
| Net profit | BRL bn | - | -2 | -0 | 0 | 0 | 1 | 1 | 1 |
| EPS reported | BRL | 8.42 | 9.04 | ||||||
| Operating cashflow per share | BRL | -28.86 | 16.08 | ||||||
| Capex per share | BRL | 5.28 | 4.11 | ||||||
| FCF per share | BRL | -34.14 | 11.97 | ||||||
| Free cash flow | BRL bn | -4 | 2 | ||||||
| Net debt | BRL bn | -6 | -8 | ||||||
| Book value equity | BRL bn | 4 | 6 | ||||||
| Book value per share | BRL | 29.89 | 46.79 | ||||||
| Number of shares | m | 129.59 | 129.59 | ||||||
| DPS (TTM paid) | BRL | 0.00 | 0.00 |
Financial summary
Financials in BRL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 6.89 | ||||||
| P/B LTM | x | 2.87 | 1.83 | ||||||
| P/S LTM | x | 1.77 | 1.07 | ||||||
| P/FCF LTM | x | -2.51 | 7.16 | ||||||
| EV/EBITDA LTM | x | 8.41 | 6.85 | ||||||
| EV/Sales LTM | x | 1.38 | 0.17 | ||||||
| Earnings Yield LTM | % | +8.09% | +14.51% | ||||||
| FCF Yield | % | -39.83% | +13.97% | ||||||
| Quality | |||||||||
| ROE | % | +28.18% | +31.16% | ||||||
| ROIC | % | +39.37% | +13.15% | ||||||
| Operating margin | % | +6.68% | +5.41% | ||||||
| Gross margin | % | +83.13% | +51.41% | ||||||
| FCF/Sales | % | -70.42% | +14.97% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +401.19% | +438.10% | ||||||
| Sales Growth YoY | % | +21.15% | +99.78% | ||||||
| Net Income Growth YoY | % | +401.66% | +436.42% | ||||||
| FCF Growth | % | - | -9.21% | ||||||
| Operating Profit Growth | % | +21.35% | +61.86% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | -5.14 | 2.03 | ||||||
| Net Debt/EBITDA | x | -6.49 | -6.50 | ||||||
| EBIT/Net interest | x | 0.12 | 0.30 | ||||||
| Net debt/market cap | % | +6.05% | +9.36% | ||||||
| Net debt/Equity | x | -1.51 | -1.36 | ||||||
| Gross debt/equity | x | 0.22 | 0.13 | ||||||
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
PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in São Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil's Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.
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.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in São Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil's Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free