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Pagseguro Digital (PAGS) Stock Price & Analysis
PAGS Stock Chart & Stats
- Day’s Range
- $7.59 - $7.86
- 52-Week Range
- $7.48 - $12.32
- Previous Close
- $7.66
- Volume
- N/A
- Average Volume (3M)
- 5.03M
- Market Cap
- $2.13B
- Enterprise Value
- $10.37B
- Total Cash (Recent Filing)
- $1.39B
- Total Debt (Recent Filing)
- $46.61B
- Price to Earnings (P/E)
- 5.6
- Beta
- 0.90
- Next Earnings
- Nov 16, 2026 (Est.)
- EPS Estimate
- 0.38
- Last Dividend Ex-Date
- Sep 16, 2026
- Dividend Yield
- 10.26%
Bulls Say, Bears Say
Bulls Say
Deposit Franchise Growth
Rapid deposit growth and strong on-platform generation deepen PagBank’s funding franchise and provide a larger base for lending and financial services. This can support scalable credit expansion, improve customer retention, and strengthen the ecosystem’s long-term economics.
Asset Quality
Non-performing loans materially below the market average indicate disciplined underwriting and risk governance as the credit portfolio expands. Sustained asset quality would protect profitability, reduce capital pressure, and support continued cross-selling of credit products.
Product Cross-Sell
Broader product adoption increases the value of each merchant and consumer relationship within PagBank’s ecosystem. Greater penetration across investments, insurance, and credit can diversify revenue, improve engagement, and create durable cross-selling advantages.
Bears Say
Top-Line Momentum
The recent revenue decline and margin compression raise questions about the durability of growth even though profitability remains healthy. If weaker top-line momentum persists, PagSeguro may have less operating leverage and fewer resources to fund expansion across payments and banking.
Cash Conversion
Inconsistent operating cash flow and negative trailing free cash flow indicate that reported earnings are not currently converting reliably into cash after investment needs. Persistent volatility could limit financial flexibility and make it harder to fund growth while maintaining capital returns.
Capital Buffer
The substantial year-over-year decline in the Basel ratio leaves a narrower capital cushion as credit expands and the business approaches its target range. Further deterioration could constrain lending growth, increase funding sensitivity, or require more cautious shareholder distributions.
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Pagseguro Digital Stock Smart Score
Company Description
Pagseguro Digital
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.
- Sector
- Technology
- Industry
- Specialty Business Services
- CEO
- Carlos Mauad
- Employees
- 7,044
- Website
- pagbank.com.br
- Address
- Av. Brigadeiro Faria Lima, No. 1,384, São Paulo, SP, 01451-001, BR
Pagseguro Digital (PAGS) Earnings & Revenues
PAGS Company Deck
PAGS Earnings Call
Earnings Call SentimentPositive
The call highlighted multiple operational and financial strengths: continued TPV expansion, rapid on‑balance credit growth (+31% YoY), strong deposit inflows (+15% YoY), high product penetration gains, resilient profitability (EPS +10% YoY) and low NPLs (3.4%). Headwinds include a higher‑than‑expected interest‑rate environment pressuring financial costs, modest revenue growth relative to activity, an increase in credit losses as the portfolio scales, and near‑term expense items (World Cup, collective bargaining). Management emphasized disciplined execution, funding optimization and product rollout momentum, and expects to meet full‑year guidance (likely toward the lower end). On balance, operational momentum, asset quality and shareholder returns outweigh the macro and mix‑related headwinds.
View all PAGS earnings summariesPAGS Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 0 | 0 | 12 |
