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PICS Stock Chart & Stats
$10.61
$0.87(7.34%)
At close: 4:00 PM EDT
$10.61
$0.87(7.34%)
Day’s Range― - ―
52-Week Range$8.22 - $19.95
Previous Close$12.47
Volume332.21K
Average Volume (3M)542.61K
Market Cap
$1.13B
Enterprise Value$7.26K
Total Cash (Recent Filing)$5.42B
Total Debt (Recent Filing)$35.82B
Price to Earnings (P/E)3.7
Beta3.18
Next Earnings
Dec 04, 2026EPS Estimate
0.43Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)11.66
Shares Outstanding43,135,918
10 Day Avg. Volume328,212
30 Day Avg. Volume542,607
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)2.87
Price to Sales (P/S)1.08
P/FCF Ratio-2.51
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$19.67Price Target Upside85.36% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)1.57
Revenue Forecast (FY)$2.90B
Bulls Say, Bears Say
Bulls Say
Revenue Expansion And Improved ProfitabilityRevenue has expanded from approximately $1.2 billion in 2021 to $12.3 billion on a TTM basis, while profitability has improved materially. This combination indicates meaningful operating scale and provides a stronger earnings base for continued investment and growth over the coming quarters.
Operating Leverage And AI ProductivityOperating expenses are growing substantially slower than revenue, improving the efficiency ratio while headcount remains flat. AI adoption and lower token costs could support durable productivity gains, allowing additional revenue growth to translate more effectively into profit.
Diversified, Lower-risk Revenue MixThe rising share of revenue from fees, commissions, float, hedge accounting, and secured or partially secured credit reduces dependence on higher-risk lending. Continued growth in noncredit revenue can make the business mix more resilient as the platform expands.
Bears Say
Very High Balance-sheet LeverageDebt has risen sharply relative to equity, leaving the company with substantially less financial flexibility than in prior years. High leverage can amplify the effect of weaker operating conditions, increase financing sensitivity, and constrain capital allocation while the balance sheet remains elevated.
Elevated And Rising Credit StressHigher late-stage delinquency and cost of risk indicate that portfolio aging and deliberate expansion into riskier private payroll-loan cohorts are pressuring credit performance. If these cohorts season poorly, increased provisions could offset revenue growth and weaken earnings quality over several quarters.
Volatile Cash-flow ConversionRecent cash generation is positive, but the historical pattern has been uneven, including periods when earnings did not translate into operating or free cash flow. This volatility makes internally funded growth less predictable and warrants attention to the durability of reported profitability.
PicS N.V. Class A News
PICS FAQ
What was PicS N.V. Class A’s price range in the past 12 months?
PicS N.V. Class A lowest stock price was $8.22 and its highest was $19.95 in the past 12 months.
What is PicS N.V. Class A’s market cap?
PicS N.V. Class A’s market cap is $1.13B.
When is PicS N.V. Class A’s upcoming earnings report date?
PicS N.V. Class A’s upcoming earnings report date is Dec 04, 2026 which is in 65 days.
How were PicS N.V. Class A’s earnings last quarter?
PicS N.V. Class A released its earnings results on Aug 24, 2026. The company reported $0.416 earnings per share for the quarter, beating the consensus estimate of $0.396 by $0.02.
Is PicS N.V. Class A overvalued?
According to Wall Street analysts PicS N.V. Class A’s price is currently Undervalued.
Does PicS N.V. Class A pay dividends?
PicS N.V. Class A does not currently pay dividends.
What is PicS N.V. Class A’s EPS estimate?
PicS N.V. Class A’s EPS estimate is 0.43.
How many shares outstanding does PicS N.V. Class A have?
PicS N.V. Class A has 43,135,918 shares outstanding.
What happened to PicS N.V. Class A’s price movement after its last earnings report?
PicS N.V. Class A reported an EPS of $0.416 in its last earnings report, beating expectations of $0.396. Following the earnings report the stock price went down -0.459%.
Which hedge fund is a major shareholder of PicS N.V. Class A?
Currently, no hedge funds are holding shares in PICS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
PicS N.V. Class A Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$19.67 (85.36% Upside)
$19.67 (85.36% Upside)
Blogger Sentiment
Bullish
PICS Sentiment 60%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 378.7K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 10.0%
Last 30 Days ▼ 3.9%
Last 30 Days ▼ 3.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
61.37%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
PicS N.V. Class A
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.
PICS Company Deck
PICS Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented materially positive operational and financial execution: strong revenue and profitability beats, significant monetization gains (ARPAC +52% YoY), operating leverage and AI-driven productivity, rapid growth in secured credit and noncredit revenue streams, and strategic completion of Kovr (KEV). The main headwinds are credit metrics driven by portfolio aging and deliberate incremental risk-taking in private payroll loans (higher NPL >90 days and Stage 3, modestly higher cost of risk and provisions), a temporary compression in Stage 3 coverage due to renegotiation mix, and a slight uptick in funding cost. Management provided reassuring context (provisioning coverage, Desenrola impact, capital headroom, guidance) and expects continued revenue and pretax earnings growth, with some Q3 net income normalization due to tax timing. On balance the positives around growth, profitability and diversification outweigh the portfolio-aging and intentional risk-taking challenges.View all PICS earnings summariesPICS Stock 12 Month Forecast
Average Price Target
$19.67
▲(85.36% Upside)
Technical Analysis
Ownership Overview
10.53% Insiders
1.61% Mutual Funds
9.44% Other Institutional Investors
77.64% Public Companies and
Individual Investors