PAGS:NYE-PagSeguro Digital Ltd (USD)

COMMON STOCK | Software - Infrastructure |

Last Closing

USD 8.84

Change

-0.12 (-1.34)%

Market Cap

USD 2.67B

Volume

6.65M

Analyst Target

USD 46.02
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

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.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2025-06-05 )

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ETFs Containing PAGS

DPGA:XETRA Legal & General UCITS ETF.. 4.07 % 0.00 %

+0.09 (+-0.16%)

USD 0.02B
DPAG:LSE Legal & General UCITS ETF.. 3.97 % 0.00 %

+8.95 (+-0.16%)

USD 7.68M
FBZ First Trust Brazil AlphaD.. 2.92 % 0.80 %

+0.05 (+-0.16%)

USD 6.77M
EBIT Harbor ETF Trust 0.66 % 0.00 %

-0.05 (-0.16%)

USD 0.01B
XBUY 0.00 % 0.00 %

N/A

N/A
IBZL:SW iShares MSCI Brazil UCITS.. 0.00 % 0.00 %

+0.19 (+-0.16%)

USD 0.29B
NIFE 0.00 % 0.00 %

N/A

N/A
DTEC ALPS Disruptive Technolog.. 0.00 % 0.00 %

-0.05 (-0.16%)

USD 0.08B

Market Performance

  Market Performance vs. Industry/Classification (Software - Infrastructure) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 41.21% 86% B+ 97% N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return 41.21% 86% B+ 97% N/A
Trailing 12 Months  
Capital Gain -26.76% 22% F 10% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -26.76% 22% F 9% A-
Trailing 5 Years  
Capital Gain -75.87% 9% A- 4% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -75.87% 9% A- 3% F
Average Annual (5 Year Horizon)  
Capital Gain -21.06% 5% F 2% F
Dividend Return -21.06% 5% F 2% F
Total Return N/A N/A N/A N/A N/A
Risk Return Profile  
Volatility (Standard Deviation) 43.07% 62% D 18% F
Risk Adjusted Return -48.90% 5% F 5% F
Market Capitalization 2.67B 52% F 70% C-

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector