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Home CompaniesPagSeguro Digital Ltd

PagSeguro Digital Ltd

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
7.93 USD -0.01 ( 0.13%)
Last update at 2026-11-12T15:47:00Z
VOLUME
793777
Market Cap
2651.71M
P/E
6.54

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
7.70
Low
7.93
High
52 Week Price Range
8.00
Low
11.68
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

PagSeguro Digital Ltd is a Brazil-based fintech that provides payment processing, point-of-sale hardware and software, online checkout and consumer-facing financial services through its PagBank digital platform. Long-term growth may be supported by accelerating digital payments adoption among small and micro merchants in Brazil and by cross-selling credit, deposit and value-added services. The company appears positioned to capture merchant share through integrated hardware-software offerings and recurring fee streams.
Material risks include intense competition from banks and other fintechs, regulatory and policy changes—including fee pressure from instant payment systems such as PIX—macroeconomic sensitivity in Brazil and potential credit losses as lending expands, and investors should monitor execution on product and risk-management initiatives.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
7.94
Dividend Yield
11.28%
Revenue TTM
19803.67M
Revenue Per Share
69.77
Gross Profit TTM
10193.39M
Debt / Equity
3.03
ROE
14.54%
Net Debt
42480.00M
ROCE
28.65%
Diluted EPS TTM
1.47

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 2499.34M 2379.93M 2017.11M 1759.32M 1488.03M
Minority interest - - 0.00M 0.00M -0.18M
Net income 2076.75M 2116.37M 1653.68M 1504.77M 1166.10M
Selling general administrative 2445.51M 972.25M 732.69M 668.68M 877.56M
Selling and marketing expenses - 1859.59M 1429.82M 1946.08M 1523.91M
Gross profit 9790.68M 8790.39M 7547.71M 1435.51M 1008.91M
Reconciled depreciation 1807.51M 1600.93M 1296.16M 1130.69M 768.59M
Ebit 7625.43M 6126.62M 5286.66M 4910.87M 2278.66M
Ebitda 9397.44M 7708.95M 6642.32M 6041.56M 3047.26M
Depreciation and amortization 1772.01M 1582.33M 1355.65M 1130.69M 768.59M
Operating income 7266.46M 5958.55M 5385.20M 4910.87M 2278.66M
Other operating expenses 12088.98M 12375.16M 10295.08M 10085.65M 8177.36M
Interest expense 5126.08M 3746.69M 3269.56M 3151.55M 790.63M
Tax provision 431.06M 263.56M 334.90M 254.55M 321.70M
Interest income 11584.61M 475.92M 6435.07M 6252.73M 3514.40M
Net interest income 7023.07M -3270.76M 3390.15M 3276.96M 2873.30M
Income tax expense 422.60M 263.56M 363.42M 254.55M 321.74M
Total revenue 19355.44M 18333.71M 15680.29M 8906.41M 6784.81M
Total operating expenses 2524.22M 2831.84M 2162.51M 2614.75M 2401.47M
Cost of revenue 9564.76M 9543.32M 8132.58M 7470.90M 5775.90M
Total other income expense net -4767.11M -3578.62M -3368.10M -3151.55M -790.63M
Net income from continuing ops 2118.36M 2116.37M 1573.30M 1504.77M 1166.30M
Net income applicable to common shares - - - 1504.77M 1166.10M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 74372.18M 72900.62M 55108.09M 45329.32M 31075.80M
Intangible assets 2943.86M 2699.24M 2344.00M 1948.87M 1440.27M
Other current assets 4.92M 4819.87M 1795.63M 1103.30M -
Total liab 59739.96M 58232.25M 41867.41M 33487.20M 20573.61M
Total stockholder equity 14632.22M 14668.37M 13240.68M 11842.13M 10502.20M
Other current liab 1518.72M 12391.66M 22230.26M 29165.21M 17256.56M
Common stock 0.03M 0.03M 0.03M 0.03M 0.03M
Capital stock 0.03M 0.03M 0.03M 0.03M 0.03M
Retained earnings 11318.38M 10007.44M 7891.08M 6237.39M 4732.62M
Other liab - - - 3706.98M 1570.69M
Good will 226.95M 227.07M 227.07M 209.91M 209.91M
Other assets - - -5.05M 908.32M 401.58M
Cash 1856.58M 927.67M 2899.06M 1829.10M 1794.36M
Total current liabilities 47759.07M 42744.48M 34431.92M 29740.35M 19002.92M
Current deferred revenue - 128.85M 128.46M 126.04M 162.57M
Net debt 42480.00M 39713.64M 13478.81M -1829.10M -788.58M
Short term debt 34801.53M 29229.17M 11554.80M - 1005.79M
Short long term debt 33628.41M 29229.17M 189.43M - 1005.79M
Short long term debt total 44336.57M 40641.31M 16377.87M - 1005.79M
Other stockholder equity -1328.71M -1390.05M -782.69M -497.73M -307.38M
Property plant equipment - - - 2493.50M 2289.05M
Total current assets 64900.47M 64620.92M 48728.83M 39767.08M 26719.33M
Long term investments 2167.15M 1691.57M 0.00M 1.65M 15.67M
Net tangible assets - - - 9683.35M 8852.02M
Short term investments 4859.15M 487.92M 3308.58M 1103.30M 782.65M
Net receivables 58179.82M 58383.81M 40692.01M 36821.40M 24092.79M
Long term debt 9480.13M 11412.14M 4823.07M - -
Inventory 0.00M 1.64M 33.54M 13.28M 49.54M
Accounts payable 11438.82M 663.23M 513.92M 449.10M 578.00M
Accumulated other comprehensive income 4642.53M 6050.95M 6132.27M 6102.43M 6076.93M
Non currrent assets other 745.18M 2685.19M 1256.39M 808.91M 280.81M
Non current assets total 9471.71M 8279.70M 6379.27M 5562.24M 4356.47M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -22.94M -1830.09M -2044.62M -2184.53M 324.25M
Change to liabilities - - - -170.18M 209.90M
Total cashflows from investing activities -2254.62M -1830.09M -2703.80M -2184.53M -1470.95M
Net borrowings -2325.02M 4141.44M 183.03M -981.32M 996.94M
Total cash from financing activities -443.29M 3274.99M -225.99M -1329.70M 727.24M
Change to operating activities - - - 13966.57M 5583.11M
Net income 2076.75M 2379.93M 2017.11M 1759.32M 1488.03M
Change in cash 1034.15M -1971.39M 1069.96M 34.73M 154.30M
Begin period cash flow 822.43M 2899.06M 1829.10M 1794.36M 1640.07M
End period cash flow 1856.58M 927.67M 2899.06M 1829.10M 1794.36M
Total cash from operating activities 2573.88M -3416.29M 3999.75M 3548.96M 898.01M
Depreciation 1772.01M 1600.93M 1355.65M 1130.69M 768.59M
Other cashflows from investing activities -22.49M -698.21M -1720.93M -48.13M 324.25M
Dividends paid 604.93M 0.00M 0.00M 0.00M -
Change to inventory 0.00M 5.22M -19.71M 36.26M -132.40M
Change to account receivables -6619.97M -21687.90M -10504.76M -17853.69M -9303.06M
Sale purchase of stock -1304.05M -784.46M -399.41M -291.44M -257.99M
Other cashflows from financing activities -78.59M -81.99M -9.61M 193.07M 1000.38M
Change to netincome - - - 4911.87M 2738.36M
Capital expenditures 1019.61M 2320.64M 1988.36M 2136.40M 1751.83M
Change in working capital -7715.90M -11064.18M -3487.78M -3998.36M -3775.05M
Stock based compensation 112.10M 178.69M 144.62M 127.39M 370.63M
Other non cash items 6441.02M 3488.33M 3970.16M 4529.93M 2050.44M
Free cash flow 1554.27M -5736.93M 2011.39M 1412.57M -853.82M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
PAGS
PagSeguro Digital Ltd		 -0.01
0.13%		 7.93 6.54 6.20 0.13 0.93 2.65 6.06
MSFT
Microsoft Corporation		 3.35
0.64%		 524.47 37.32 29.94 13.03 12.45 13.06 24.59
ORCL
Oracle Corporation		 -2.83
2.20%		 125.56 21.96 17.89 5.91 7.08 7.82 14.89
CRWD
Crowdstrike Holdings Inc		 -4.88
2.13%		 224.19 4849.80 188.68 46.01 47.24 43.89 559.34
FTNT
Fortinet Inc		 -0.67
0.52%		 127.43 60.27 43.86 16.80 80.50 16.11 43.33

Profile*

PagSeguro Digital Ltd

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.

Av. Brigadeiro Faria Lima, No. 1,384, São Paulo, SP, Brazil, 01451-001

55 11 3914 9524

https://pagbank.com.br

Name Title Year Born
Mr. Luis Frias Chairman & Principal Exec. Officer 1963
Mr. Alexandre Magnani CEO & COO 1970
Mr. Artur Gaulke Schunck Chief Financial & Investor Relations Officer, Chief Accounting Officer and Director 1979
Mr. Éric Krahembuhl de Oliveira Head of Investor Relations NA
Mr. André Cazotto Investor Relations NA
Mr. Carlos Mauad Chief Executive Officer NA
Mr. Gustavo Bahia Gama Sechin CFO, Chief Accounting Officer & Investor Relations Officer NA
Mr. Ricardo Dutra da Silva Principal Executive Officer 1975

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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