Company Deep Dive
Read the full research report: business segments breakdown, earnings transcripts review, management credibility analysis, competitive landscape, and scenarios.
PAGS
Strong BuyFLAGPagSeguro Digital Ltd. · Technology · Brazil · $2.5B · Avg Vol: $24M/d
PagSeguro Digital screens as the cheapest name in this batch (V96) and remains profitably scaled in Brazilian merchant acquiring, but its funding costs are directly geared to a high Brazilian policy rate and it has been growing a credit book whose loss experience is untested through a full cycle. Momentum is weak (M43). No fraud or distress event is known, so this is a flag.
COMPANY DESCRIPTION
PagSeguro Digital Ltd. is a leading Brazilian financial technology company providing payment processing, digital banking, and merchant acquiring solutions. The company's competitive moat is built on its comprehensive, low-cost digital ecosystem (PagBank) tailored specifically for micro-merchants and small-to-medium enterprises. It operates as a major fintech disruptor in Latin America, driving financial inclusion through high-volume transaction processing.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.9B | 3.1B | 3.6B | 3.9B | 10.0% | 3.8B | 4.1B | 4.3B | 5.0% |
| EPS | 1.80 | 0.99 | 1.29 | 1.38 | -8.5% | 1.46 | 1.50 | 1.67 | 9.9% |
| Shares | 159.1M | 315.9M | 303.8M | 279.7M | +75.8% | — | — | — | — |
| Debt | 2.3B | 5.3B | 7.8B | 8.3B | 53.2% | 344.9M | — | — | — |
| Equity | 2.3B | 2.5B | 2.8B | 2.8B | 7.3% | — | — | — | — |
| Op CF | 681.8M | 768.4M | -656.3M | 1.5B | 28.7% | 1.2B | — | — | — |
| Inv CF | -419.7M | -519.4M | -351.6M | -441.8M | — | — | — | — | — |
| Fin CF | -255.4M | -43.4M | 629.2M | -832.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of PAGS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PAGS | PagSeguro Digital Ltd.(you) | $2.5B | 85 | Strong Buy |
| PICS | PicS N.V. | $2.2B | 54 | Hold |
| LWSA3.SA | Locaweb Serviços de Internet S.A. | $460M | 84 | Strong Buy |
| CINT | CI&T Inc. | $439M | 62 | Hold |
| CSUD3.SA | CSU Digital S.A. | $108M | 93 | Strong Buy |
| TOTS3.SA | TOTVS S.A. | $3.6B | 82 | Strong Buy |
| ALLD3.SA | Allied Tecnologia S.A. | $97M | 86 | Strong Buy |
| POSI3.SA | Positivo Tecnologia S.A. | $92M | 86 | Strong Buy |
Peer medians: ROE 17.0% · P/E 9.1x · Gross margin 39.7%