PicS (PICS) Stock Overview
Operates as a digital financial services company that provides digital wallet and application for individuals and businesses in Brazil. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 6/6 |
| Past Performance | 4/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
PICS Community Fair Values
Create NarrativeSee what 9 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
PicS N.V. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$11.40 |
| 52 Week High | US$19.95 |
| 52 Week Low | US$8.32 |
| Beta | 0 |
| 1 Month Change | 24.18% |
| 3 Month Change | -4.20% |
| 1 Year Change | n/a |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -40.00% |
Recent News & Updates
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
Expanding Digital Credit And AI Adoption Will Transform Long Term Earnings Potential
Catalysts About PicS PicS operates a broad digital financial platform in Brazil that integrates payments, banking, credit, insurance, and commerce in a single app. What are the underlying business or industry changes driving this perspective?Recent updates
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 AlphaExpanding Digital Credit And AI Adoption Will Transform Long Term Earnings Potential
Catalysts About PicS PicS operates a broad digital financial platform in Brazil that integrates payments, banking, credit, insurance, and commerce in a single app. What are the underlying business or industry changes driving this perspective?Shareholder Returns
| PICS | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | 7.2% | 3.3% | 0.8% |
| 1Y | n/a | -3.3% | 20.2% |
Return vs Industry: Insufficient data to determine how PICS performed against the US Diversified Financial industry.
Return vs Market: Insufficient data to determine how PICS performed against the US Market.
Price Volatility
| PICS volatility | |
|---|---|
| PICS Average Weekly Movement | 10.8% |
| Diversified Financial Industry Average Movement | 5.8% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: PICS has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: Insufficient data to determine PICS's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 4,644 | Eduardo Simoes | 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.
PicS N.V. Fundamentals Summary
| PICS fundamental statistics | |
|---|---|
| Market cap | US$1.48b |
| Earnings (TTM) | US$226.39m |
| Revenue (TTM) | US$2.27b |
Is PICS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PICS income statement (TTM) | |
|---|---|
| Revenue | R$11.73b |
| Cost of Revenue | R$693.15m |
| Gross Profit | R$11.03b |
| Other Expenses | R$9.87b |
| Earnings | R$1.17b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 9.01 |
| Gross Margin | 94.09% |
| Net Profit Margin | 9.96% |
| Debt/Equity Ratio | 33.4% |
How did PICS perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/07 21:47 |
| End of Day Share Price | 2026/07/07 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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
PicS N.V. is covered by 9 analysts. 6 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 |
|---|---|
| Rafael Reis | BB Banco de Investimento S.A. |
| Mario Lucio Pierry | BofA Global Research |
| Marcelo Mizrahi | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |