Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
AI Summary - About
PAGS 
PagSeguro Digital Ltd (PAGS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
02/20/2025: PAGS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -53.08% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/20/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.51B USD | Price to earnings Ratio 7.32 | 1Y Target Price 11.06 |
Price to earnings Ratio 7.32 | 1Y Target Price 11.06 | ||
Volume (30-day avg) 4374990 | Beta 1.95 | 52 Weeks Range 6.11 - 14.98 | Updated Date 02/21/2025 |
52 Weeks Range 6.11 - 14.98 | Updated Date 02/21/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.1 |
Earnings Date
Report Date 2025-02-26 | When After Market | Estimate 1.8334 | Actual 2.01 |
Profitability
Profit Margin 11.39% | Operating Margin (TTM) 31.75% |
Management Effectiveness
Return on Assets (TTM) 6.26% | Return on Equity (TTM) 14.69% |
Valuation
Trailing PE 7.32 | Forward PE 6.58 | Enterprise Value 9365241884 | Price to Sales(TTM) 0.14 |
Enterprise Value 9365241884 | Price to Sales(TTM) 0.14 | ||
Enterprise Value to Revenue 2.62 | Enterprise Value to EBITDA 6.27 | Shares Outstanding 191528992 | Shares Floating 156387121 |
Shares Outstanding 191528992 | Shares Floating 156387121 | ||
Percent Insiders 0.43 | Percent Institutions 85.31 |
AI Summary
PagSeguro Digital Ltd. (PAGS): A Comprehensive Overview
Company Profile:
History:
- Founded in 2006 as a payment processing company in Brazil.
- Acquired by Universo Online (UOL) in 2011.
- Became a publicly traded company on the New York Stock Exchange in 2018.
- Renamed to PagSeguro Digital Ltd. in 2021.
Core Business Areas:
- Payment Processing: Offering a comprehensive suite of payment solutions for businesses and consumers in Brazil, including credit and debit card processing, online payments, and digital wallets.
- Financial Services: Providing loans, credit lines, and other financial products to small and medium-sized businesses (SMBs) in Brazil.
- Technology Solutions: Developing and offering technology solutions for businesses, including point-of-sale (POS) systems, e-commerce platforms, and business management software.
Leadership & Structure:
- CEO: Eduardo Camargo
- CFO: Pedro Prates
- Headquartered in São Paulo, Brazil
- Operates in Brazil and other Latin American markets.
Top Products & Market Share:
- PagBank: A digital banking platform offering a wide range of financial services.
- PagSeguro: A payment processing platform for businesses of all sizes.
- Moderninha: A mobile point-of-sale (POS) device.
- UOL Pay: A digital wallet for consumers.
Market Share:
- Payment Processing: PagSeguro is the leading payment processor in Brazil, with a market share of over 30%.
- Financial Services: PagBank is one of the leading digital banks in Brazil, with over 50 million customers.
Total Addressable Market:
The total addressable market for PagSeguro Digital Ltd. is the Brazilian market for payment processing, financial services, and technology solutions.
- Payment Processing: The Brazilian payment processing market is estimated to be worth over US$50 billion.
- Financial Services: The Brazilian financial services market is estimated to be worth over US$1 trillion.
- Technology Solutions: The Brazilian technology solutions market is estimated to be worth over US$100 billion.
Financial Performance:
- Revenue: PagSeguro Digital Ltd. reported revenue of US$1.44 billion in 2022.
- Net Income: The company reported net income of US$246 million in 2022.
- Profit Margins: The company's profit margin is 17%.
- Earnings per Share (EPS): The company's EPS is US$1.23.
Dividends & Shareholder Returns:
- Dividend History: PagSeguro Digital Ltd. does not currently pay dividends.
- Shareholder Returns: The company's stock has returned an average of 20% per year over the past three years.
Growth Trajectory:
- Historical Growth: PagSeguro Digital Ltd. has experienced strong historical growth. Revenue has grown at a compound annual growth rate (CAGR) of over 30% over the past five years.
- Future Growth Projections: The company is expected to continue to grow at a strong pace in the coming years. Analysts expect revenue to grow at a CAGR of 20% over the next five years.
Market Dynamics:
- Industry Trends: The payment processing, financial services, and technology solutions industries are all experiencing strong growth in Brazil.
- Demand-Supply Scenarios: The demand for these services is expected to continue to grow in the coming years, driven by factors such as the increasing adoption of smartphones and the growth of e-commerce.
- Technological Advancements: PagSeguro Digital Ltd. is well-positioned to benefit from technological advancements in the payments and financial services industries.
Competitors:
- StoneCo (STNE): A leading payment processing company in Brazil.
- MercadoLibre (MELI): A leading e-commerce company in Latin America that also offers payment processing services.
- Itaú Unibanco (ITUB): A leading bank in Brazil that offers a wide range of financial services.
Challenges & Opportunities:
Challenges:
- Competition: PagSeguro Digital Ltd. faces intense competition from other payment processors and financial services companies in Brazil.
- Regulation: The company is subject to a complex regulatory environment in Brazil.
- Economic Uncertainty: The Brazilian economy is subject to significant economic uncertainty.
Opportunities:
- Growth of the Brazilian Market: The Brazilian market for payment processing, financial services, and technology solutions is expected to continue to grow in the coming years.
- Expansion into New Markets: PagSeguro Digital Ltd. is expanding into new markets, such as Mexico and Colombia.
- Innovation: The company is investing in innovation to develop new products and services.
Recent Acquisitions:
- Urbana (2022): A Brazilian micro-lending company.
- Stone Pagamentos (2020): A leading payment processing company in Brazil.
- Loogic (2019): A Brazilian online payment company.
AI-Based Fundamental Rating:
- AI-based rating: 7/10
- Justification: PagSeguro Digital Ltd. has a strong financial position, a leading market position in Brazil, and significant growth opportunities. However, the company also faces challenges from competition, regulation, and economic uncertainty.
Sources and Disclaimers:
- This analysis is based on data from the following sources: PagSeguro Digital Ltd.'s website, SEC filings, company press releases, and industry research reports.
- This analysis is for informational purposes only and should not be considered investment advice. Investing in stocks involves risk, and you could lose money.
About PagSeguro Digital Ltd
Exchange NYSE | Headquaters São Paulo, SP, Brazil | ||
IPO Launch date 2018-01-24 | CEO - | ||
Sector Technology | Industry Software - Infrastructure | Full time employees - | Website https://pagseguro.uol.com.br |
Full time employees - | Website https://pagseguro.uol.com.br | ||
PagSeguro Digital Ltd., together with its subsidiaries, engages in the provision of financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. It provides digital banking solutions, including deposits, top-ups, debt management services, tax collections, wire transfers, ATM withdrawals, and various online and point-of-sale (POS) payment solutions; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. The company also offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as investment and portfolio advisory, financial education, brokerage, fund management, treasury, and research services; and operates Shopping PagBank, a marketplace for various brands. In addition, it provides software solutions comprising PagVendas, a POS software app; ClubPag, a marketing tool that allows merchants to advertise across client base, available for POS devices; PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology; and Envio Fácil, a logistics solution for online sales, which helps merchants in simulating, comparing, and choosing the best price to send customers products. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.