PICS logo

PicS N.V. Stock Price

NasdaqGS:PICS Community·US$1.6b Market Cap
  • 2 Narratives written by author
  • 0 Comments on narratives written by author
  • 12 Fair Values set on narratives written by author

PICS Share Price Performance

US$12.36
-6.64 (-34.95%)
US$20.40
Fair Value
US$12.36
-6.64 (-34.95%)
39.4% undervalued intrinsic discount
US$20.40
Fair Value
Price US$12.36
TheTurntTomato US$20.40
AnalystHighTarget US$28.99

PICS Community Narratives

Fair Value
·
Fair Value US$20.4 39.4% undervalued intrinsic discount

A Fast-Growing Fintech Priced Like a Slow-Growth Bank

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·
Fair Value US$28.99 57.4% undervalued intrinsic discount

Expanding Digital Credit And AI Adoption Will Transform Long Term Earnings Potential

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US$20.4
39.4% undervalued intrinsic discount
Fair Value
Revenue
23.24% p.a.
Profit Margin
9.96%
Future PE
6.61x
Price in 2031
US$33.26

Trending Discussion

No trending discussion available.

Updated Narratives

PICS logo

A Fast-Growing Fintech Priced Like a Slow-Growth Bank

Fair Value: US$20.4 39.4% undervalued intrinsic discount
1 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative
PICS logo

Expanding Digital Credit And AI Adoption Will Transform Long Term Earnings Potential

Fair Value: US$28.99 57.4% undervalued intrinsic discount
0 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative

Snowflake Analysis

Exceptional growth potential and good value.

1 Risk
3 Rewards

PicS N.V. Key Details

R$11.7b

Revenue

R$693.2m

Cost of Revenue

R$11.0b

Gross Profit

R$9.9b

Other Expenses

R$1.2b

Earnings

Last Reported Earnings
Mar 31, 2026
Next Reporting Earnings
n/a
9.01
94.09%
9.96%
33.4%
View Full Analysis

About PICS

Founded
2012
Employees
4644
CEO
Eduardo Simoes
WebsiteView website
www.picpay.com

PicS N.V. operates as a digital financial services company that provides digital wallet and application for individuals and businesses in Brazil. The company offers a range of transactional products for its consumers, including Pix, an instant payment system, peer-to-peer between PicPay accounts, bill payments, payroll portability, global account, and a payment assistant that helps consumers organize, centralize, and settle bills through an integrated hub. The company also provides multipurpose cards; personal loans; instalment payments; payroll loans for public servants, retirees, and pensioners; private payroll loans for formally employed workers; and access to the FGTS annual birthday withdrawal program. In addition, it offers digital insurance distribution platform with products, such as digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, home insurance, and others, as well as provides a range of products to various investor profiles and financial goals. Further, the company offers a portfolio of products in QR code payments for small and medium-sized businesses; banking services; corporate benefits and salary advances; PicPay Shop that offers consumers to purchase a range of products and services; and PicPay Ads, an advertising platform designed to enable brands to reach engaged consumer base through contextualized placements within the app. PicS N.V. was formerly known as Picpay Holdings Netherlands B.V. The company was founded in 2012 and is based in São Paulo, Brazil. PicS N.V. is a subsidiary of Jf International B.v.

Recent PICS News & Updates

New Narrative Jul 21

A Fast-Growing Fintech Priced Like a Slow-Growth Bank

PICS is not simply a digital wallet company. Investors are effectively buying a rapidly expanding Brazilian fintech ecosystem that combines payments, banking, lending, insurance, investments, e-commerce, and advertising within a single platform.
Seeking Alpha Jun 29

PicPay: I Remain Skeptical Even After A 30% Fall

Summary PicPay remains a hold due to persistent governance risks and lack of near-term catalysts, despite a 30% stock price decline. Recent class action and CEO investigation amplified governance concerns, overshadowing interesting Q1 results and exceeding guidance. While PICS posted 70% YoY revenue growth and 92% YoY adjusted net income growth, rising NPLs and declining efficiency and ROE limit upside. Valuation is still unattractive versus peers like BBD, INTR, and AGBK; risk-reward remains unappealing until governance and asset quality improve. Read the full article on Seeking Alpha

Recent updates

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