PagSeguro Digital
Market Cap
US$15.2b
Last Updated
2021/04/17 23:03 UTC
Data Sources
Company Financials +
Executive Summary
PagSeguro Digital Ltd., together with its subsidiaries, provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. More Details
Rewards
Risk Analysis
No risks detected for PAGS from our risk checks.
Snowflake Analysis
Flawless balance sheet with high growth potential.
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
Stable Share Price: PAGS is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: PAGS's weekly volatility (8%) has been stable over the past year.
Market Performance
7 Day Return
-3.4%
PAGS
1.0%
US IT
1.3%
US Market
1 Year Return
114.3%
PAGS
58.8%
US IT
53.9%
US Market
Return vs Industry: PAGS exceeded the US IT industry which returned 58.8% over the past year.
Return vs Market: PAGS exceeded the US Market which returned 53.9% over the past year.
Shareholder returns
| PAGS | Industry | Market | |
|---|---|---|---|
| 7 Day | -3.4% | 1.0% | 1.3% |
| 30 Day | -1.6% | 6.1% | 5.3% |
| 90 Day | -11.8% | 10.5% | 8.9% |
| 1 Year | 114.3%114.3% | 60.4%58.8% | 56.6%53.9% |
| 3 Year | 26.0%26.0% | 108.4%100.8% | 64.4%53.6% |
| 5 Year | n/a | 211.6%190.5% | 120.4%95.7% |
Long-Term 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
1 week ago | Simply Wall St
Investors Who Bought PagSeguro Digital (NYSE:PAGS) Shares A Year Ago Are Now Up 180%1 month ago | Simply Wall St
PagSeguro Digital Ltd. (NYSE:PAGS) Released Earnings Last Week And Analysts Lifted Their Price Target To R$3302 months ago | Simply Wall St
Is It Time To Consider Buying PagSeguro Digital Ltd. (NYSE:PAGS)?Valuation
Is PagSeguro Digital undervalued compared to its fair value and its price relative to the market?
66.22x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PAGS ($46.31) is trading above our estimate of fair value ($28)
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 (66.2x) compared to the US IT industry average (39.7x).
PE vs Market: PAGS is poor value based on its PE Ratio (66.2x) compared to the US market (22.5x).
Price to Earnings Growth Ratio
PEG Ratio: PAGS is poor value based on its PEG Ratio (3.3x)
Price to Book Ratio
PB vs Industry: PAGS is overvalued based on its PB Ratio (9.2x) compared to the US IT industry average (5.3x).
Future Growth
How is PagSeguro Digital forecast to perform in the next 1 to 3 years based on estimates from 14 analysts?
19.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PAGS's forecast earnings growth (19.9% per year) is above the savings rate (2%).
Earnings vs Market: PAGS's earnings (19.9% per year) are forecast to grow faster than the US market (18.1% per year).
High Growth Earnings: PAGS's earnings are forecast to grow, but not significantly.
Revenue vs Market: PAGS's revenue (24.1% per year) is forecast to grow faster than the US market (9.3% per year).
High Growth Revenue: PAGS's revenue (24.1% 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 (21.2%)
Past Performance
How has PagSeguro Digital performed over the past 5 years?
41.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PAGS has high quality earnings.
Growing Profit Margin: PAGS's current net profit margins (28.6%) are lower than last year (38.5%).
Past Earnings Growth Analysis
Earnings Trend: PAGS's earnings have grown significantly by 41.6% per year over the past 5 years.
Accelerating Growth: PAGS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PAGS had negative earnings growth (-5.5%) over the past year, making it difficult to compare to the IT industry average (8.4%).
Return on Equity
High ROE: PAGS's Return on Equity (13.9%) is considered low.
Financial Health
How is PagSeguro Digital's financial position?
Financial Position Analysis
Short Term Liabilities: PAGS's short term assets (R$19.2B) exceed its short term liabilities (R$11.6B).
Long Term Liabilities: PAGS's short term assets (R$19.2B) exceed its long term liabilities (R$1.4B).
Debt to Equity History and Analysis
Debt Level: PAGS is debt free.
Reducing Debt: PAGS has no debt compared to 5 years ago when its debt to equity ratio was 0.3%.
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
Dividend
What is PagSeguro Digital current dividend yield, its reliability and sustainability?
0.35%
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PAGS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PAGS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
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
How experienced are the management team and are they aligned to shareholders interests?
1.8yrs
Average management tenure
CEO
Luiz Frias (57 yo)
3.33yrs
Tenure
Mr. Luiz 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 ...
Leadership Team
Experienced Management: PAGS's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
Board Members
Experienced Board: PAGS's board of directors are considered experienced (3.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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$15.250b
- Shares outstanding: 329.01m
- 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
Biography
PagSeguro Digital Ltd., together with its subsidiaries, provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies i...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/17 23:03 |
| End of Day Share Price | 2021/04/16 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.