PagSeguro Digital
PagSeguro Digital Ltd. provides financial technology solutions and services for micro-merchants, and small and medium-sized businesses in Brazil and internationally. The last earnings update was 61 days ago. More info.
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PAGS Share Price and Events
7 Day Returns
1 Year Returns
PAGS Shareholder Return
| 7 Day | 30 Day | 90 Day | 1 Year | 3 Year | 5 Year | |
|---|---|---|---|---|---|---|
| PagSeguro Digital (PAGS) | -10% | -13.2% | 14.9% | -24% | - | - |
| US IT | -0.9% | 3.5% | 16.5% | 23.1% | 80.4% | 107.7% |
| US Market | -0.8% | 2.7% | 7.5% | 7% | 37.9% | 47% |
1 Year Return vs Industry and Market
- PAGS underperformed the IT industry which returned 23.1% over the past year.
- PAGS underperformed the Market in United States of America which returned 7% over the past year.
Value
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current
share
price of
PagSeguro Digital
to its discounted cash flow analysis.value.The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Below are the data sources, inputs and calculation used to determine the intrinsic value for PagSeguro Digital.
| Data Point | Source | Value |
|---|---|---|
| Valuation Model | 2 Stage Free Cash Flow to Equity | |
| Levered Free Cash Flow | Average of 11 Analyst Estimates (S&P Global) | See below |
| Discount Rate (Cost of Equity) | See below | 8.9% |
| Perpetual Growth Rate | 10-Year US Government Bond Rate | 2.7% |
An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.
| Data Point | Calculation/ Source | Result |
|---|---|---|
| Risk-Free Rate | 10-Year US Govt Bond Rate | 2.7% |
| Equity Risk Premium | S&P Global | 6% |
| IT Unlevered Beta | Simply Wall St/ S&P Global | 1.06 |
| Re-levered Beta | = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 1.061 (1 + (1- 34%) (0%)) |
1.041 |
| Levered Beta | Levered Beta limited to 0.8 to 2.0 (practical range for a stable firm) |
1.04 |
| Discount Rate/ Cost of Equity |
= Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.041 * 5.96%) |
8.93% |
Discounted Cash Flow Calculation for NYSE:PAGS using 2 Stage Free Cash Flow to Equity Model
The calculations below outline how an intrinsic value for PagSeguro Digital is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.
| Levered FCF (BRL, Millions) | Source |
Present Value Discounted (@ 8.93%) |
|
|---|---|---|---|
| 2019 | -87.00 | Analyst x1 | -79.87 |
| 2020 | 462.00 | Analyst x1 | 389.33 |
| 2021 | 573.18 | Est @ 24.06% | 443.41 |
| 2022 | 674.43 | Est @ 17.66% | 478.95 |
| 2023 | 763.35 | Est @ 13.18% | 497.64 |
| 2024 | 840.05 | Est @ 10.05% | 502.74 |
| 2025 | 906.01 | Est @ 7.85% | 497.75 |
| 2026 | 963.23 | Est @ 6.32% | 485.79 |
| 2027 | 1,013.71 | Est @ 5.24% | 469.32 |
| 2028 | 1,059.19 | Est @ 4.49% | 450.16 |
| Present value of next 10 years cash flows | R$4,135.23 | ||
| Calculation | Result | |
|---|---|---|
| Terminal Value |
= FCF2028
× (1 + g) ÷ (Discount Rate – g)
= R$1,059.19 × (1 + 2.73%) ÷ (8.93% – 2.73%) |
R$17,540.91 |
| Present Value of Terminal Value |
= Terminal Value ÷ (1 + r)10
= R$17,540.91 ÷ (1 + 8.93%)10 |
R$7,455.00 |
| Calculation | Result | |
|---|---|---|
| Total Equity Value |
= Present value of next 10 years cash flows +
Terminal Value
= R$4,135.23 + R$7,455.00 |
R$11,590.24 |
| Equity Value per Share (BRL) |
= Total value / Shares Outstanding
= R$11,590.24 / 327.29 |
R$35.41 |
| Calculation | Result | |
|---|---|---|
| Exchange Rate | BRL/USD
(Reporting currency to currency of NYSE:PAGS) |
0.255 |
| Value per Share (USD) |
= Value per Share in BRL x Exchange Rate (BRL/USD)
= R$35.41 x 0.255 |
$9.02 |
| Value per share (USD) | From above. | $9.02 |
| Current discount | Discount to share price of
$25.68
= -1 x ($25.68 - $9.02) / $9.02 |
-184.8% |
Learn more about our DCF calculations in Simply Wall St’s analysis model .
- The current share price of PagSeguro Digital is above its future cash flow value.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.The amount the stock market is willing to pay for PagSeguro Digital's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are
PagSeguro Digital's earnings available for a low price, and how does
this compare to other companies in the same industry?
| Data Point | Source | Value |
|---|---|---|
| Earnings Per Share * | Company Filings (2018-12-31) in BRL | R$2.86 |
| NYSE:PAGS Share Price ** | NYSE (2019-04-22) in USD | $25.68 |
| NYSE:PAGS Share Price converted to BRL reporting currency | Exchange rate (USD/ BRL) 3.927 | R$100.84 |
| United States of America IT Industry PE Ratio | Median Figure of 77 Publicly-Listed IT Companies | 31.72x |
| United States of America Market PE Ratio | Median Figure of 3,080 Publicly-Listed Companies | 18.21x |
* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.
** Primary Listing of PagSeguro Digital.
| Calculation | Outcome | |
|---|---|---|
| PE Ratio | = NYSE:PAGS Share Price ÷ EPS (both in BRL) = 100.84 ÷ 2.86 |
35.23x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- PagSeguro Digital is overvalued based on earnings compared to the US IT industry average.
- PagSeguro Digital is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does
PagSeguro Digital's expected growth come at a high price?
| Data Point | Source | Value |
|---|---|---|
| PE Ratio | See PE Ratio Section | 35.23x |
| Net Income Annual Growth Rate | See Future Growth Section. Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts |
27.4%per year |
| United States of America IT Industry PEG Ratio | Median Figure of 65 Publicly-Listed IT Companies | 2.64x |
| United States of America Market PEG Ratio | Median Figure of 2,109 Publicly-Listed Companies | 1.56x |
*Line of best fit is calculated by linear regression .
| Calculation | Outcome | |
|---|---|---|
| PEG Ratio | = PE Ratio ÷ Net Income Annual Growth Rate = 35.23x ÷ 27.4% |
1.28x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- PagSeguro Digital is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on
PagSeguro Digital's
assets?
| Data Point | Source | Value |
|---|---|---|
| Book Value per Share | Company Filings (2018-12-31) in BRL | R$20.01 |
| NYSE:PAGS Share Price * | NYSE (2019-04-22) in USD | $25.68 |
| NYSE:PAGS Share Price converted to BRL reporting currency | Exchange rate (USD/ BRL) 3.927 | R$100.84 |
| United States of America IT Industry PB Ratio | Median Figure of 125 Publicly-Listed IT Companies | 4.35x |
| United States of America Market PB Ratio | Median Figure of 5,186 Publicly-Listed Companies | 1.91x |
| Calculation | Outcome | |
|---|---|---|
| PB Ratio | = NYSE:PAGS Share Price ÷ Book Value per Share (both in BRL) = 100.84 ÷ 20.01 |
5.04x |
* Primary Listing of PagSeguro Digital.
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- PagSeguro Digital is overvalued based on assets compared to the US IT industry average.
Value checks
We assess PagSeguro Digital's value by looking at:- Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
- Is the PE ratio less than the market average, and/ or less than the IT industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the IT industry average (and greater than 0)? (1 check) PagSeguro Digital has a total score of 0/6, see the detailed checks below.
Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.
Full details on the Value part of the Simply Wall St company analysis model.
Future Performance
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Earnings growth vs Low Risk Savings
- PagSeguro Digital's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
- PagSeguro Digital's earnings growth is expected to exceed the United States of America market average.
- PagSeguro Digital's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
| Data Point | Source | Value (per year) |
|---|---|---|
| NYSE:PAGS Future Earnings Growth Rate | Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts | 27.4% |
| NYSE:PAGS Future Revenue Growth Rate | Line of Best Fit* through Consensus Estimate Revenue of 11 Analysts | 27% |
| United States of America IT Industry Earnings Growth Rate | Market Cap Weighted Average | 15.3% |
| United States of America IT Industry Revenue Growth Rate | Market Cap Weighted Average | 9.1% |
| United States of America Market Earnings Growth Rate | Market Cap Weighted Average | 13.5% |
| United States of America Market Revenue Growth Rate | Market Cap Weighted Average | 7% |
*Line of best fit is calculated by linear regression .
Industry and Market average data is calculated daily.
Learn more about our growth rate calculations in Simply Wall St’s analysis model.
Analysts growth expectations
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (3 months ago) | See Below |
| Future Estimates | Average of up to 11 Analyst Estimates (S&P Global) | See Below |
| Date (Data in BRL Millions) | Revenue | Cash Flow | Net Income * | Avg. No. Analysts |
|---|---|---|---|---|
| 2022-12-31 | 10,152 | 2,977 | 2 | |
| 2021-12-31 | 8,277 | 2,442 | 7 | |
| 2020-12-31 | 7,210 | 780 | 1,855 | 11 |
| 2019-12-31 | 5,788 | 205 | 1,322 | 9 |
| Date (Data in BRL Millions) | Revenue | Cash Flow | Net Income * |
|---|---|---|---|
| 2018-12-31 | 2,642 | -1,763 | 909 |
| 2018-09-30 | 2,379 | -1,915 | 796 |
| 2018-06-30 | 2,147 | -1,461 | 712 |
| 2018-03-31 | 1,924 | -608 | 567 |
| 2017-12-31 | 1,696 | 454 | 479 |
| 2017-09-30 | 1,409 | 386 | 328 |
| 2017-06-30 | 1,139 | 101 | 219 |
| 2017-03-31 | 903 | 109 | 162 |
| 2016-12-31 | 741 | 77 | 127 |
*GAAP earnings excluding extraordinary items.
Past and Future Earnings per Share
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (3 months ago) | See Below |
| Future Estimates | Average of up to 11 Analyst Estimates (S&P Global) | See Below |
All data from PagSeguro Digital Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in BRL Millions) | EPS * | EPS High Estimate | EPS Low Estimate | Avg. No. Analysts |
|---|---|---|---|---|
| 2022-12-31 | 9.11 | 9.11 | 9.11 | 1.00 |
| 2021-12-31 | 7.49 | 7.80 | 7.25 | 4.00 |
| 2020-12-31 | 5.93 | 6.35 | 5.57 | 4.00 |
| 2019-12-31 | 4.43 | 4.79 | 4.15 | 3.00 |
| Date (Data in BRL Millions) | EPS * |
|---|---|
| 2018-12-31 | 2.86 |
| 2018-09-30 | 2.65 |
| 2018-06-30 | 2.50 |
| 2018-03-31 | 2.09 |
| 2017-12-31 | 1.83 |
| 2017-09-30 | 1.25 |
| 2017-06-30 | 0.83 |
| 2017-03-31 | 0.62 |
| 2016-12-31 | 0.48 |
*GAAP earnings excluding extraordinary items.
Future performance checks
We assess PagSeguro Digital's future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
PagSeguro Digital has a total score of 6/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
Past Performance
How has PagSeguro Digital performed over the past 5 years?
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Past Earnings growth analysis
- PagSeguro Digital has delivered over 20% year on year earnings growth in the past 5 years.
- PagSeguro Digital's 1-year earnings growth exceeds its 5-year average (89.9% vs 59.2%)
- PagSeguro Digital's earnings growth has exceeded the US IT industry average in the past year (89.9% vs 12.7%).
Earnings and Revenue History
All data from PagSeguro Digital Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in BRL Millions) | Revenue | Net Income * | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 2018-12-31 | 2,641.72 | 909.27 | 933.11 | |
| 2018-09-30 | 2,378.52 | 795.77 | 868.11 | |
| 2018-06-30 | 2,146.78 | 711.53 | 713.39 | |
| 2018-03-31 | 1,924.16 | 566.53 | 597.95 | |
| 2017-12-31 | 1,696.19 | 478.78 | 398.94 | |
| 2017-09-30 | 1,409.34 | 328.29 | 415.73 | |
| 2017-06-30 | 1,139.26 | 218.53 | 354.17 | |
| 2017-03-31 | 903.35 | 162.09 | 327.03 | |
| 2016-12-31 | 740.62 | 127.19 | 284.40 | |
| 2015-12-31 | 444.71 | 35.08 | 223.77 | |
| 2014-12-31 | 208.29 | 25.97 | 132.78 |
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
- PagSeguro Digital has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- It is difficult to establish if PagSeguro Digital has efficiently used its assets last year compared to the US IT industry average (Return on Assets) as it is loss-making.
- It is difficult to establish if PagSeguro Digital improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
Past performance checks
We assess PagSeguro Digital's performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the IT industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
PagSeguro Digital has a total score of 3/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
Health
How is PagSeguro Digital's financial health and their level of debt?
A company's financial position is much like your own financial position,
it includes everything you own
(assets)
and owe
(liabilities).The boxes below represent the relative size of what makes up PagSeguro Digital's finances.
The net worth of a company is the difference between its assets and liabilities.
- PagSeguro Digital is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- PagSeguro Digital's cash and other short term assets cover its long term commitments.
Balance sheet
Assets
Liabilities and shares
- Low level of unsold assets.
- PagSeguro Digital has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
All data from PagSeguro Digital Company Filings, last reported 3 months ago.
| Date (Data in BRL Millions) | Total Equity | Total Debt | Cash & Short Term Investments |
|---|---|---|---|
| 2018-12-31 | 6,574.38 | 0.00 | 2,763.05 |
| 2018-09-30 | 6,281.53 | 0.00 | 2,470.06 |
| 2018-06-30 | 5,969.07 | 0.00 | 2,913.48 |
| 2018-03-31 | 4,476.72 | 0.00 | 2,545.39 |
| 2017-12-31 | 870.39 | 0.00 | 66.77 |
| 2017-09-30 | 678.43 | 0.00 | 41.81 |
| 2017-06-30 | 769.84 | 0.00 | 13.15 |
| 2017-03-31 | 626.86 | 211.82 | 79.97 |
| 2016-12-31 | 626.86 | 211.82 | 79.97 |
| 2015-12-31 | 461.88 | 0.00 | 6.89 |
| 2014-12-31 | 426.56 | 0.00 | 1.23 |
- PagSeguro Digital has no debt.
- PagSeguro Digital currently has no debt however we can't compare to 5 years ago as we have no data for that period.
- PagSeguro Digital has no debt, it does not need to be covered by operating cash flow.
- PagSeguro Digital has no debt, therefore coverage of interest payments is not a concern.
Financial health checks
We assess PagSeguro Digital's financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) PagSeguro Digital has a total score of 6/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Full details on the Health part of the Simply Wall St company analysis model.
Dividends
What is PagSeguro Digital's current dividend yield, its reliability and sustainability?
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
If you bought
$2,000 of
PagSeguro Digital
shares you are expected to receive
$0
in your first year as a dividend.
Dividend Amount
- Unable to evaluate PagSeguro Digital's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate PagSeguro Digital's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.We also check to see if the dividend has increased in the past 10 years.
| Data Point | Source | Value |
|---|---|---|
| Past Annualized Dividend Yield | S&P Global Market Data | See Below |
| Past Dividends per Share | Company Filings/ Annualized Dividend Payments | See Below |
| Future Dividends per Share Estimates | Average of up to 11 Analyst Estimates (S&P Global) | See Below |
| United States of America IT Industry Average Dividend Yield | Market Cap Weighted Average of 33 Stocks | 1.4% |
| United States of America Market Average Dividend Yield | Market Cap Weighted Average of 2008 Stocks | 2.4% |
| United States of America Minimum Threshold Dividend Yield | 10th Percentile | 0.8% |
| United States of America Bottom 25% Dividend Yield | 25th Percentile | 1.4% |
| United States of America Top 25% Dividend Yield | 75th Percentile | 3.6% |
Industry and Market average data is calculated daily.
Note all dividend per share amounts are annualized and not quarterly or other period.
| Date (Data in R$) | Dividend per Share (annual) | Avg. No. Analysts |
|---|---|---|
| 2022-12-31 | 8.66 | 1.00 |
| 2021-12-31 | 3.48 | 4.00 |
| 2020-12-31 | 1.75 | 4.00 |
| 2019-12-31 | 0.95 | 2.00 |
| Date (Data in R$) | Dividend per share (annual) | Avg. Yield (%) |
|---|---|---|
| 2018-03-09 | 0.000 | 0.000 |
| 2018-01-24 | 0.000 | 0.000 |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Unable to perform a dividend volatility check as PagSeguro Digital has not reported any payouts.
- Unable to verify if PagSeguro Digital's dividend has been increasing as the company has not reported any payouts.
Income/ dividend checks
We assess PagSeguro Digital's dividend by checking for:- Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- How sustainable is the dividend, can PagSeguro Digital afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks) PagSeguro Digital has a total score of 1/6, see the detailed checks below.
Full details on the Dividends part of the Simply Wall St company analysis model.
Management
CEO
| AGE | 55 |
| TENURE AS CEO | 1.3 years |
CEO Bio
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 and more than 20 acquisitions, to cover digital content and products, e-learning and cloud/IT services, as well as the PagSeguro financial technology business. Mr. Frias joined Grupo Folha in 1981 and has been its Principal Executive Officer since 1989. In that capacity he led Grupo Folha’s expansion into various new markets, such as commercial printing (through Plural, a partnership with Quad Graphics) and e-commerce logistics (through Transfolha). He founded Universo Online S/A (UOL) in 1996. He holds a Bachelor’s degree in Economics from the University of São Paulo (Universidade de São Paulo – USP) and Master's degree from University of Cambridge, England, and the Université de Paris (Sorbonne), France.
CEO Compensation
- Insufficient data for Luis to compare compensation growth.
- Insufficient data for Luis to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure
Average tenure and age of the PagSeguro Digital management team in years:
- The average tenure for the PagSeguro Digital management team is less than 2 years, this suggests a new team.
Management Team
Luis Frias
Chairman & Principal Executive Officer
55
1.3 yrs
Eduardo Alcaro
Chief Financial & Investor Relations Officer
46
1.3 yrs
Ricardo da Silva
Executive Officer & Director
43
1.3 yrs
André Cazotto
Investor Relations
Board of Directors Tenure
Average tenure and age of the PagSeguro Digital board of directors in years:
- The average tenure for the PagSeguro Digital board of directors is less than 3 years, this suggests a new board.
Board of Directors
Luis Frias
Chairman & Principal Executive Officer
55
1.3 yrs
Eduardo Alcaro
Chief Financial & Investor Relations Officer
46
1.3 yrs
Ricardo da Silva
Executive Officer & Director
43
1.3 yrs
Noemia Gushiken
Independent Director
46
1.3 yrs
Maria de Brito
Director
60
1.8 yrs
Marcos de Barros Lisboa
Independent Director
54
1 yrs
Cleveland Teixeira
Director
52
0.3 yrs
Who owns this company?
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price ($) | Value ($) | |
|---|---|---|---|---|---|---|---|---|---|---|
Management checks
We assess PagSeguro Digital's management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) PagSeguro Digital has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
News
Simply Wall St News
Investors Who Bought PagSeguro Digital (NYSE:PAGS) Shares A Year Ago Are Now Down 21%
But in truth the last year hasn't been good for the share price. … During the unfortunate twelve months during which the PagSeguro Digital share price fell, it actually saw its earnings per share (EPS) improve by 57%. … The divergence between the EPS and the share price is quite notable, during the year.
Simply Wall St - – Full articleWhat You Must Know About PagSeguro Digital Ltd.'s (NYSE:PAGS) Financial Health
Small-caps and large-caps are wildly popular among investors, however, mid-cap stocks, such as PagSeguro Digital Ltd. … Today we will look at PAGS’s financial liquidity and debt levels, which are strong indicators for whether the company can weather economic downturns or fund strategic acquisitions for future growth. … Note that this information is centred entirely on financial health and is a top-level understanding, so I encourage you to look further.
Simply Wall St - – Full articleWhat Should You Know About The Future Of PagSeguro Digital Ltd.'s (NYSE:PAGS)?
Want to participate in a short research study? … Help shape the future of investing tools and receive a $20 prize! … PagSeguro Digital Ltd.'s (NYSE:PAGS) released its most recent earnings update in December 2018, whicha
Simply Wall St - – Full articleShould We Worry About PagSeguro Digital Ltd.'s (NYSE:PAGS) P/E Ratio?
We'll look at PagSeguro Digital Ltd.'s (NYSE:PAGS) P/E ratio and reflect on what it tells us about the company's share price. … Price to Earnings Ratio = Share Price (in reporting currency) ÷ Earnings per Share (EPS) … P/E of 31.88 = R$84.43 (Note: this is the share price in the reporting currency, namely, BRL ) ÷ R$2.65
Simply Wall St - – Full articleLooking At PagSeguro Digital Ltd. (NYSE:PAGS) From All Angles
(NYSE:PAGS) is a stock with outstanding fundamental characteristics. … When we build an investment case, we need to look at the stock with a holistic perspective. … In the case of PAGS, it
Simply Wall St - – Full articlePagSeguro Digital Ltd (NYSE:PAGS) Delivered A Weaker ROE Than Its Industry
By way of learning-by-doing, we'll look at ROE to gain a better understanding PagSeguro Digital Ltd (NYSE:PAGS). … That means that for every $1 worth of shareholders' equity, it generated $0.12 in profit. … Return on Equity = Net Profit ÷ Shareholders' Equity
Simply Wall St - – Full articleWhat Do You Get For Owning PagSeguro Digital Ltd (NYSE:PAGS)?
Your equity share is granted in return for the capital provided to the business to operate, and in order for an investment to be successful the business has to create earnings from the funds that make up this capital. … To understand PagSeguro Digital’s capital returns we will look at a useful metric called return on capital employed. … PagSeguro Digital's Return On Capital Employed
Simply Wall St - – Full articleShould You Be Tempted To Sell PagSeguro Digital Ltd (NYSE:PAGS) At Its Current PE Ratio?
Though this might seem to be a negative, you might change your mind after I explain the assumptions behind the P/E ratio. … I will break down what the P/E ratio is, how to interpret it and what other factors to keep in mind … Check out our latest analysis for PagSeguro Digital
Simply Wall St - – Full articleWhy I Like PagSeguro Digital Ltd (NYSE:PAGS)
As an investor, I look for investments which does not compromise one fundamental factor for another. … By this I mean, I look at stocks holistically, from their financial health to their future outlook.
Simply Wall St - – Full articleWhat You Must Know About PagSeguro Digital Ltd's (NYSE:PAGS) 12.66% ROE
and want to start learning about core concepts of fundamental analysis on practical examples from today's market. … PagSeguro Digital Ltd (NYSE:PAGS) performed in line with its data processing and outsourced services industry on the basis of its ROE – producing a return of 12.66% relative to the peer average of 15.29% over the past 12 months. … View our latest analysis for PagSeguro Digital
Simply Wall St - – Full articleCompany Info
Description
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 include PagSeguro Ecosystem, an end-to-end digital ecosystem that operates as a closed loop where its clients are able to address their primary day to day financial needs, including receiving and spending funds, and managing and growing their businesses; and Free PagSeguro digital account, which centralizes various cash-in options, functionalities, services, and cash-out options in a single ecosystem. It also offers online gaming and cross-border digital services. In addition, the company offers functionalities, and value-added services and features, such as purchase protection mechanisms, antifraud platform, account and business management tools, eWallet, and its (point of sale) POS app. Further, it is involved in processing of back-office solutions, including sales reconciliation, and gateway solutions and services, as well as the capture of credit cards with acquirers and sub acquirers. Additionally, the company engages in the in-person payment activities through POS devices; and issuance of prepaid cards to clients for spending or withdrawing account balances. It also operates an online platform that facilitates peer-to-peer lending. The company was founded in 2006 and is headquartered in São Paulo, Brazil. PagSeguro Digital Ltd. is a subsidiary of Universo Online S.A.
Details
| Name: | PagSeguro Digital Ltd. |
| PAGS | |
| Exchange: | NYSE |
| Founded: | 2006 |
| $8,404,684,757 | |
| 327,285,232 | |
| Website: | http://www.pagseguro.uol.com.br |
| Address: |
PagSeguro Digital Ltd. Avenida Brigadeiro Faria Lima, 1384, 4º Andar, São Paulo, São Paulo, 01451-001, Brazil |
Listings
| Exchange Symbol | Ticker Symbol | Security | Exchange | Country | Currency | Listed on | |
|---|---|---|---|---|---|---|---|
| NYSE | PAGS | Class A common Shares | New York Stock Exchange | US | USD | 24. Jan 2018 |
Number of employees
Current staff
Industry
| Data Processing and Outsourced Services | |
| Software |
Company Analysis and Financial Data Status
| Area | Date (UTC time) |
|---|---|
| Company Analysis updated: | 2019/04/23 01:12 |
| End of day share price update: | 2019/04/22 00:00 |
| Last estimates confirmation: | 2019/04/17 |
| Last earnings filing: | 2019/02/21 |
| Last earnings reported: | 2018/12/31 |
| Last annual earnings reported: | 2018/12/31 |
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
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.
