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

PICS fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	5/6
Financial Health	5/6
Dividends	0/6

Rewards

Earnings grew by 93.4% over the past year

Risk Analysis

Shares are highly illiquid

PICS Community Fair Values

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Pics N.V. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Pics
Historical stock prices
Current Share Price	US$19.00
52 Week High	US$0
52 Week Low	US$0
Beta	0
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent updates

Shareholder Returns

	PICS	US Diversified Financial	US Market
7D	n/a	-1.4%	0.9%
1Y	n/a	-7.1%	14.4%

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

Is PICS's price volatile compared to industry and market?
PICS volatility
PICS Average Weekly Movement	n/a
Diversified Financial Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	3.0%

Stable Share Price: PICS's share price has been volatile over 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. It 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

How do Pics's earnings and revenue compare to its market cap?
PICS fundamental statistics
Market cap	US$2.46b
Earnings (TTM)	US$64.83m
Revenue (TTM)	US$1.74b

38.0x

P/E Ratio

1.4x

P/S Ratio

Is PICS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PICS income statement (TTM)
Revenue	R$9.05b
Cost of Revenue	R$615.80m
Gross Profit	R$8.43b
Other Expenses	R$8.10b
Earnings	R$337.10m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	2.60
Gross Margin	93.20%
Net Profit Margin	3.72%
Debt/Equity Ratio	44.3%

How did PICS perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/29 18:34
End of Day Share Price	2026/01/28 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

Pics N.V. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Pics N.V.NasdaqGS:PICS Stock Report