Skip to content
Company Analysis

PagSeguro Digital Ltd. PAGS

A comprehensive view of key metrics, scores, and financial health for PagSeguro Digital Ltd.

Overview of PagSeguro Digital Ltd.

PAGS NYQ
Technology Software - Infrastructure Framework: Software & SaaS Mid Cap
PagSeguro Digital Ltd. (PAGS), is a Mid Cap company, in the Software - Infrastructure industry, last closed at $7.89, about 607.5% undervalued vs fair value, -16.7% 1Y return, placing in the top 25% of its sector.
Metrics P/E 7.4× Rev Growth 8.5% ROE 14.5% Gross Margin 52.5% Div Yield 3.55%
USD 7.89
-0.63%
(Delayed)
• Vol 90d: 67.5%
Market Cap
$2.43B
Enterprise Value
$10.38B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats

Quick Facts

Website https://pagbank.com.br
HQ São Paulo, SP
Fiscal year Dec 31

Next Events

Earnings Nov 16 Call: Nov 12

Fair Value Snapshot

Bear Base Bull
$51
$56
$61
Current: $7.89 +608% vs base

Engine Room Money Flow™

Mid Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
BRL 20.4B
8.5%%
Gross Profit
BRL 10.7B
15.6%%
Operating Income (GAAP)
BRL 8.1B
25.6%%
Operating Cash Flow
BRL 7.6B
321.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
52.5%
Good

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

BRL 1.9B
36.8% of FCF

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
5
Active Leaks
3/5
Improving
0
High Impact
0
Critical
Locked Leak
Upgrade to view details
Premium
Locked Leak
Upgrade to view details
Premium
Locked Leak
Upgrade to view details
Premium
Locked Leak
Upgrade to view details
Premium
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating PagSeguro Digital Ltd.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Revenue Converts Cleanly to Cash Cash conversion is strong (score 0.90), showing scalable economics.
  • Asset-Light Returns Return profile is strong (score 0.74), supporting a capital-efficient model.

Key risks

  • Contracted Demand Looks Thin Contracted demand signal is weak (score 0.31), limiting evidence of strong subscription stickiness.
  • Liquidity Cushion Looks Thin Liquidity position is weak (score 0.27), leaving less room for error.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Pricing Power

Moderate
67
Premium

Signals, strengths and risks for Pricing Power

Premium

Signals, strengths and risks for Recurring Revenue Stickiness

Premium

Signals, strengths and risks for Innovation Engine

Premium

Signals, strengths and risks for Cash Scalability

Premium

Signals, strengths and risks for Capital Efficiency

Premium

Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing PAGS's balance between Growth (31.7%), Profitability (46.3%), and Safety (22.0%). Growth 32% Safety 22% Profitability 46%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

50th percentile vs peers
50
Key Signals
Rev Growth YoY 8.5% 46p Revenue CAGR 3Y 10.0% 53p TSR 59.5% 83p Buyback % -7.9% 94p EPS Growth YoY 7.4% 38p
Strengths
  • FCF Margin in top 20% of peers (25.9%, 86th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • TSR in top 20% of peers (59.5%, 83th percentile)
  • Operating Cash Flow Margin in top 20% of peers (37.0%, 92th percentile)
Risks
  • Def Rev Growth in bottom 20% of peers (-24.4%)

Profitability

73th percentile vs peers
73
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

34th percentile vs peers
35
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for PagSeguro Digital Ltd..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$55.82
- - -
+607.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000