PicS N.V.

NasdaqGS:PICS Stock Report

Market Cap: US$1.2b

PicS Future Growth

Future criteria checks 6/6

PicS is forecast to grow earnings and revenue by 22.2% and 23.4% per annum respectively. EPS is expected to grow by 26.1% per annum. Return on equity is forecast to be 26.6% in 3 years.

Key information

22.2%

Earnings growth rate

26.13%

EPS growth rate

Diversified Financial earnings growth8.0%
Revenue growth rate23.4%
Future return on equity26.58%
Analyst coverage

Good

Last updated04 Jun 2026

Recent future growth updates

No updates

Recent updates

New Narrative • Jun 05

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?
Seeking Alpha • May 26

PicPay: Massive User Base, Still Early In Monetization

Summary PicPay Holdings is rated a 'Buy' due to its rapid growth phase and recent Brazilian market pullback presenting an entry opportunity. PICS boasts the second largest digital bank customer base in Brazil, with deposits growing 44% YoY and loans expanding 67% YoY in 2025. Despite competitive weaknesses and a lower ARPAC than peers, PICS’s growth in deposits and secured loans signals significant top-line potential. Key risks include rising delinquencies, exposure to risky credit rights acquisitions, and ongoing competition and regulatory challenges. Read the full article on Seeking Alpha

Earnings and Revenue Growth Forecasts

NasdaqGS:PICS - Analysts future estimates and past financials data (BRL Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/202824,6112,166N/AN/A1
12/31/202720,5161,890N/AN/A6
12/31/202614,909926N/AN/A4
3/31/202611,7261,168-2,009-1,338N/A
12/31/202510,2781,091-4,422-3,739N/A
9/30/20259,0503377961,517N/A
3/31/20256,498288-670-51N/A
12/31/20245,5702181,7122,291N/A
9/30/20244,720174-43766N/A
6/30/20244,252897821,342N/A
3/31/20243,817391,3781,921N/A
12/31/20233,459351,0651,567N/A
12/31/20222,935-467,1227,340N/A
12/31/20211,145-1,558-2,750-2,506N/A
3/31/2021483-1,060-1,106-1,006N/A
12/31/2020390-804-467-371N/A
12/31/201986-267N/A-468N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: PICS's forecast earnings growth (22.2% per year) is above the savings rate (3.5%).

Earnings vs Market: PICS's earnings (22.2% per year) are forecast to grow faster than the US market (16.9% per year).

High Growth Earnings: PICS's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: PICS's revenue (23.4% per year) is forecast to grow faster than the US market (11.8% per year).

High Growth Revenue: PICS's revenue (23.4% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: PICS's Return on Equity is forecast to be high in 3 years time (26.6%)

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/09 09:56
End of Day Share Price 2026/06/09 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

AnalystInstitution
Rafael ReisBB Banco de Investimento S.A.
Mario Lucio PierryBofA Global Research
Marcelo MizrahiBradesco S.A. Corretora de Títulos e Valores Mobiliários