PAGS$9.44
$9.87
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AI PAGS Summary
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Powered by LiveAIOverall Analysis
BuyPagSeguro Digital exhibits strong fundamental performance and positive thematic alignment, although current technical indicators suggest caution due to potential short-term overbought conditions. The company is well-positioned for long-term growth in the burgeoning Brazilian fintech market.
Thematic
PagSeguro Digital is strongly positioned to benefit from secular growth trends in digitalization, financial inclusion, and e-commerce in Brazil. Its comprehensive ecosystem of financial and payment solutions provides a significant competitive advantage.
Fundamental
PagSeguro demonstrates robust profitability, consistent revenue growth, and a healthy balance sheet. While valuation metrics like P/E are generally favorable compared to industry averages, attention should be paid to the debt-to-equity ratio which has seen an increase.
Technical
Technical indicators present a mixed picture. While some momentum oscillators suggest a potential for upward movement, key moving averages and RSI levels indicate a cautious short-term outlook, potentially signaling overbought conditions or a need for consolidation.
| Factor | Score |
|---|---|
| Digitalization and Financial Inclusion | 90 |
| E-commerce and Payment Innovation | 92 |
| Fintech Market Growth in Brazil | 88 |
| Digital Banking and Ecosystem Expansion | 85 |
| Regulatory and Competitive Landscape | 65 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 85 |
| Growth | 85 |
| Balance Sheet Health | 70 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 40 |
| Volume Confirmation | 60 |
| Support & Resistance | 50 |
| Overall Technical Signal | 45 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beats
The company has exceeded earnings per share (EPS) estimates in the last three quarters, with actual EPS being 3.51%, 13.37%, and 4.89% higher than expected, indicating strong operational execution and profitability.
Attractive Price-to-Earnings Ratio
The trailing P/E ratio of 6.52 is significantly lower than the industry average, suggesting the stock may be undervalued relative to its earnings potential.
Bearish Points (7)
High Price-to-Sales Ratio
The trailing Price-to-Sales (P/S) ratio of 0.16 (TTM) is low, which could indicate potential market skepticism or that the company's revenue is not being valued highly by the market.
Declining Revenue Growth
While overall revenue for 2024 was $18.33 billion, a detailed look at quarterly revenue growth shows a deceleration trend, with Q1 2025 revenue at $4.71 billion compared to $5.00 billion in Q4 2024.
Calendar
July 2025
16
Ex-Dividend Date
August 2025
14
Next Earnings Date
H: $1.90
A: $1.83
L: $1.72
H: 5.13B
A: 5.06B
L: 5.03B
August 2025
15
Next Dividend Date
Profile
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.
Seasonals
Price Target
11.52 USD
The 39 analysts offering 1 year price forecasts for PAGS have a max estimate of 14.21 and a min estimate of 5.07.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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