Company Deep Dive
Read the full research report: business segments breakdown, earnings transcripts review, management credibility analysis, competitive landscape, and scenarios.
PAGS
STRONG BUYPagSeguro Digital Ltd. · Technology · Brazil · $2.5B · Avg Vol: $30M/d
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 | 15.3B | 15.9B | 18.8B | 20.4B | 10.0% | 19.8B | 21.2B | 22.4B | 4.8% |
| EPS | 9.53 | 10.65 | 13.88 | 7.18 | -9.0% | 1.45 | 7.83 | 8.76 | 10.5% |
| Shares | 159.1M | 159.1M | 159.1M | 305.7M | +92.2% | — | — | — | — |
| Debt | 12.0B | 27.8B | 40.6B | 43.1B | 53.2% | 2.6B | — | — | — |
| Equity | 11.8B | 13.2B | 14.7B | 14.6B | 7.3% | — | — | — | — |
| Op CF | 3.5B | 4.0B | -3.4B | 7.6B | 28.7% | 7.3B | — | — | — |
| Inv CF | -2.2B | -2.7B | -1.8B | -2.3B | — | — | — | — | — |
| Fin CF | -1.3B | -226.0M | 3.3B | -4.3B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of PAGS are excluded.
Peer medians: ROE 22.0% · P/E 8.5x · Gross margin 62.7%