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Upturn AI SWOT - About
PAGS 
PagSeguro Digital Ltd (PAGS)
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Upturn Advisory Summary
03/26/2025: 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 -60.12% | Avg. Invested days 27 | 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 03/26/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.41B USD | Price to earnings Ratio 6.63 | 1Y Target Price 10.67 |
Price to earnings Ratio 6.63 | 1Y Target Price 10.67 | ||
Volume (30-day avg) 4407048 | Beta 2.04 | 52 Weeks Range 6.11 - 14.82 | Updated Date 03/31/2025 |
52 Weeks Range 6.11 - 14.82 | Updated Date 03/31/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.15 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.54% | Operating Margin (TTM) 33.84% |
Management Effectiveness
Return on Assets (TTM) 5.82% | Return on Equity (TTM) 15.17% |
Valuation
Trailing PE 6.63 | Forward PE 6.36 | Enterprise Value 8411162532 | Price to Sales(TTM) 0.13 |
Enterprise Value 8411162532 | Price to Sales(TTM) 0.13 | ||
Enterprise Value to Revenue 2.63 | Enterprise Value to EBITDA 6.25 | Shares Outstanding 183364992 | Shares Floating 148224022 |
Shares Outstanding 183364992 | Shares Floating 148224022 | ||
Percent Insiders 0.42 | Percent Institutions 82.7 |
Analyst Ratings
Rating 3.94 | Target Price 11.7 | Buy 3 | Strong Buy 8 |
Buy 3 | Strong Buy 8 | ||
Hold 6 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
PagSeguro Digital Ltd
Company Overview
History and Background
PagSeguro Digital Ltd. was founded in 2006 by Grupo Folha, initially as an online payment system for the UOL Group. It evolved into a comprehensive financial technology solutions provider for merchants and consumers in Brazil and other Latin American countries.
Core Business Areas
- Payment Solutions: Offers online and in-person payment processing for merchants, including credit and debit card acceptance, bank transfers, and digital wallets. This segment includes point-of-sale (POS) devices, online payment gateways, and payment links.
- Digital Banking Services: Provides digital banking accounts, including checking accounts, prepaid cards, and microcredit solutions to merchants and consumers. This allows users to manage their finances, pay bills, and receive payments.
- Financial Services for Consumers: Consumer-facing services like digital wallet functionality, allowing users to make payments, transfer funds, and manage their finances through the PagBank app. It competes with other digital banking solutions.
Leadership and Structure
PagSeguro Digital Ltd. has a board of directors and an executive leadership team. The CEO oversees the overall strategy and operations of the company. Key executives lead different business segments, such as payments, banking, and technology.
Top Products and Market Share
Key Offerings
- Market Share (%):
- Moderninha Smart POS: A popular point-of-sale (POS) device for accepting card payments. Competitors include StoneCo (STNE) and Cielo S.A. (CIOXY).
- Market Share (%):
- PagBank Digital Account: A digital banking account with features like bill payments, transfers, and prepaid cards. It faces competition from Nubank and Banco Inter.
- Market Share (%):
- Online Payment Gateway: Enables merchants to accept online payments. Competing gateways include PayPal and Mercado Pago.
Market Dynamics
Industry Overview
The fintech industry in Brazil is experiencing rapid growth, driven by increasing internet penetration, smartphone adoption, and a large unbanked population. There is significant competition among digital payment providers and fintech companies.
Positioning
PagSeguro is a leading player in the Brazilian fintech market, providing integrated payment and banking solutions. Its competitive advantages include a large merchant base, brand recognition, and a comprehensive suite of services.
Total Addressable Market (TAM)
The TAM for digital payments and financial services in Brazil is substantial, estimated to be in the billions of dollars. PagSeguro is well-positioned to capture a significant share of this market through its integrated platform.
Upturn SWOT Analysis
Strengths
- Large merchant base
- Recognizable brand
- Integrated payment and banking platform
- Strong technology infrastructure
Weaknesses
- Exposure to Brazilian macroeconomic conditions
- Intense competition
- Regulatory uncertainties
- High customer acquisition costs
Opportunities
- Expansion into new geographic markets
- Development of new financial products and services
- Partnerships with other businesses
- Increased adoption of digital payments
Threats
- Economic downturn in Brazil
- Increased competition from new entrants
- Changes in regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- STNE
- CIELO
- MELI
Competitive Landscape
PagSeguro faces competition from other fintech companies, traditional banks, and payment processors. Its advantages include a large merchant base and integrated platform, while its disadvantages include exposure to macroeconomic risks and intense competition.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: PagSeguro has experienced significant growth in its merchant base, transaction volume, and revenue in recent years, driven by the increasing adoption of digital payments in Brazil.
Future Projections: Future growth is projected to be driven by further expansion of its merchant base, development of new products and services, and increased adoption of digital banking.
Recent Initiatives: Recent strategic initiatives would include acquisitions, partnerships, and new product launches aimed at expanding its market share and service offerings.
Summary
PagSeguro Digital Ltd. is a strong player in the Brazilian fintech market, driven by its integrated payment and banking platform. However, it faces intense competition and macroeconomic risks. Growth is projected to continue as digital payment adoption increases, but the company must navigate regulatory uncertainties and manage customer acquisition costs.
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Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates.
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is difficult to find and is not included due to limited availability. Financial information may be outdated. It is necessary to do your own independent research before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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://pagbank.com.br/ |
Full time employees - | Website https://pagbank.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 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; and PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
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