PagSeguro Digital (PAGSD) Stock Overview

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. More details

PAGSD fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	2/6

Rewards

Trading at 3.5% below our estimate of its fair value

Earnings have grown 14% per year over the past 5 years

Risk Analysis

No risks detected for PAGSD from our risk checks.

PAGSD Community Fair Values

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PagSeguro Digital Ltd. Competitors

Price History & Performance

Summary of share price highs, lows and changes for PagSeguro Digital
Historical stock prices
Current Share Price	US$3.29
52 Week High	US$3.90
52 Week Low	US$2.59
Beta	1.45
1 Month Change	1.86%
3 Month Change	15.04%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	6.65%

Recent updates

Shareholder Returns

	PAGSD	AR Diversified Financial	AR Market
7D	0.5%	0%	0%
1Y	n/a	0%	0%

Return vs Industry: Insufficient data to determine how PAGSD performed against the AR Diversified Financial industry.

Return vs Market: Insufficient data to determine how PAGSD performed against the AR Market.

Price Volatility

Is PAGSD's price volatile compared to industry and market?
PAGSD volatility
PAGSD Average Weekly Movement	6.2%
Diversified Financial Industry Average Movement	0%
Market Average Movement	0%
10% most volatile stocks in AR Market	0%
10% least volatile stocks in AR Market	0%

Stable Share Price: PAGSD has not had significant price volatility in the past 3 months compared to the AR market.

Volatility Over Time: PAGSD's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Alexandre Magnani	pagbank.com.br

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.

PagSeguro Digital Ltd. Fundamentals Summary

How do PagSeguro Digital's earnings and revenue compare to its market cap?
PAGSD fundamental statistics
Market cap	US$2.82b
Earnings (TTM)	US$409.98m
Revenue (TTM)	US$3.61b

6.9x

P/E Ratio

0.8x

P/S Ratio

Is PAGSD overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PAGSD income statement (TTM)
Revenue	R$19.52b
Cost of Revenue	R$9.75b
Gross Profit	R$9.77b
Other Expenses	R$7.55b
Earnings	R$2.22b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	7.61
Gross Margin	50.04%
Net Profit Margin	11.35%
Debt/Equity Ratio	17.1%

How did PAGSD perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

12%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/11/24 03:38
End of Day Share Price	2025/11/21 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

PagSeguro Digital Ltd. is covered by 26 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
John Coffey	Barclays
Mario Lucio Pierry	BofA Global Research
Marcelo Mizrahi	Bradesco S.A. Corretora de Títulos e Valores Mobiliários

PagSeguro Digital Ltd.BASE:PAGSD Stock Report