PagSeguro Digital
Market Cap
US$11.7b
Last Updated
2019/10/23 00:40 UTC
Data Sources
Company Financials +
Executive Summary
PagSeguro Digital Ltd. provides financial technology solutions and services for micro-merchants, and small and medium-sized businesses in Brazil and internationally.
Snowflake
Fundamentals
Exceptional growth potential with flawless balance sheet.
Similar Companies
Share Price & News
How has PagSeguro Digital's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-9.9%
PAGS
-4.6%
US IT
0.07%
US Market
1 Year Return
19.7%
PAGS
19.0%
US IT
8.9%
US Market
Return vs Industry: PAGS matched the US IT industry which returned 19% over the past year.
Return vs Market: PAGS exceeded the US Market which returned 8.9% over the past year.
Shareholder returns
| PAGS | Industry | Market | |
|---|---|---|---|
| 7 Day | -9.9% | -4.6% | 0.07% |
| 30 Day | -22.9% | -3.7% | -0.3% |
| 90 Day | -22.4% | -7.8% | -1.6% |
| 1 Year | 19.7%19.7% | 20.2%19.0% | 11.3%8.9% |
| 3 Year | n/a | 88.3%80.6% | 46.3%36.8% |
| 5 Year | n/a | 136.9%115.2% | 62.1%44.3% |
Price Volatility Vs. Market
How volatile is PagSeguro Digital's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
Is PagSeguro Digital Ltd.'s (NYSE:PAGS) ROE Of 16% Impressive?1 month ago | Simply Wall St
Why We Think PagSeguro Digital Ltd. (NYSE:PAGS) Could Be Worth Looking At2 months ago | Simply Wall St
Is PagSeguro Digital Ltd.'s (NYSE:PAGS) High P/E Ratio A Problem For Investors?Valuation
Is PagSeguro Digital undervalued compared to its fair value and its price relative to the market?
40.39x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PAGS ($35.61) is trading above our estimate of fair value ($11.63)
Significantly Below Fair Value: PAGS is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: PAGS is poor value based on its PE Ratio (40.4x) compared to the IT industry average (36.1x).
PE vs Market: PAGS is poor value based on its PE Ratio (40.4x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: PAGS is poor value based on its PEG Ratio (1.6x)
Price to Book Ratio
PB vs Industry: PAGS is overvalued based on its PB Ratio (6.6x) compared to the US IT industry average (4.2x).
Next Steps
Future Growth
How is PagSeguro Digital forecast to perform in the next 1 to 3 years based on estimates from 15 analysts?
25.5%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PAGS's forecast earnings growth (25.5% per year) is above the savings rate (2.7%).
Earnings vs Market: PAGS's earnings (25.5% per year) are forecast to grow faster than the US market (14.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: PAGS's revenue (22.6% per year) is forecast to grow faster than the US market (7.2% per year).
High Growth Revenue: PAGS's revenue (22.6% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: PAGS's Return on Equity is forecast to be high in 3 years time (22.7%)
Next Steps
Past Performance
How has PagSeguro Digital performed over the past 5 years?
55.2%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: PAGS's earnings have grown significantly by 55.2% per year over the past 5 years.
Accelerating Growth: PAGS's earnings growth over the past year (63.8%) exceeds its 5-year average (55.2% per year).
Earnings vs Industry: PAGS earnings growth over the past year (63.8%) exceeded the IT industry 9.8%.
Return on Equity
High ROE: PAGS's Return on Equity (16.2%) is considered low.
Return on Assets
ROA vs Industry: PAGS's Return on Assets is below or equal to the IT industry average last year.
Return on Capital Employed
ROCE Improving: PAGS is currently unprofitable, so its Return on Capital Employed is negative.
Next Steps
Financial Health
How is PagSeguro Digital's financial position?
Financial Position Analysis
Short Term Liabilities: PAGS's short term assets (R$12.1B) exceeds its short term liabilities (R$5.1B)
Long Term Liabilities: PAGS's short term assets (12.1B) exceeds its long term liabilities (374.4M)
Debt to Equity History and Analysis
Debt Level: PAGS is debt free.
Reducing Debt: PAGS had no debt 5 years ago.
Debt Coverage: PAGS has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: PAGS has no debt, therefore coverage of interest payments is not a concern.
Balance Sheet
Inventory Level: PAGS has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if PAGS's debt is covered by short term assets.
Next Steps
Dividend
What is PagSeguro Digital's current dividend yield, its reliability and sustainability?
0.62%
Forecast Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: Unable to evaluate PAGS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate PAGS's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stable Dividend: Insufficient data to determine if PAGS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PAGS's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: PAGS is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PAGS's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
What is the CEO of PagSeguro Digital's salary, the management and board of directors tenure and is there insider trading?
1.8yrs
Average management tenure
CEO
Luis Frias (56yo)
1.8yrs
Tenure
Mr. Luis Frias has been the Chairman of the Board and Principal Executive Officer of PagSeguro Digital Ltd. since December 18, 2017. In this Position he has expanded UOL’s business, through organic growth ...
Management Age and Tenure
1.8yrs
Average Tenure
47yo
Average Age
Experienced Management: PAGS's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
Board Age and Tenure
1.8yrs
Average Tenure
53yo
Average Age
Experienced Board: PAGS's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Management Team
Luis Frias (56yo)
Chairman & Principal Executive Officer
- Tenure: 1.8yrs
Eduardo Alcaro (47yo)
Chief Financial & Investor Relations Officer
- Tenure: 1.8yrs
Ricardo da Silva (44yo)
Executive Officer & Director
- Tenure: 1.8yrs
André Cazotto
Investor Relations
- Tenure: 0yrs
Board Members
Luis Frias (56yo)
Chairman & Principal Executive Officer
- Tenure: 1.8yrs
Maria de Brito (61yo)
Director
- Tenure: 2.3yrs
Eduardo Alcaro (47yo)
Chief Financial & Investor Relations Officer
- Tenure: 1.8yrs
Ricardo da Silva (44yo)
Executive Officer & Director
- Tenure: 1.8yrs
Noemia Mayumi Gushiken (47yo)
Independent Director
- Tenure: 1.8yrs
Marcos de Barros Lisboa (55yo)
Independent Director
- Tenure: 1.5yrs
Cleveland Teixeira (53yo)
Independent Director
- Tenure: 0.8yrs
Company Information
PagSeguro Digital Ltd.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: PagSeguro Digital Ltd.
- Ticker: PAGS
- Exchange: NYSE
- Founded: 2006
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: US$11.692b
- Shares outstanding: 328.33m
- Website: https://www.pagseguro.uol.com.br
Number of Employees
Location
- PagSeguro Digital Ltd.
- Avenida Brigadeiro Faria Lima, 1384
- 4º Andar
- São Paulo
- São Paulo
- 01451-001
- Brazil
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| PAGS | NYSE (New York Stock Exchange) | Yes | Class A common Shares | US | USD | Jan 2018 |
Biography
PagSeguro Digital Ltd. provides financial technology solutions and services for micro-merchants, and small and medium-sized businesses in Brazil and internationally. The company’s products and services inc ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/23 00:40 |
| End of Day Share Price | 2019/10/22 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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 here.