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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 $9.58, about 3098.0% undervalued vs fair value, +21.4% 1Y return, placing in the top 25% of its sector.
Metrics P/E 1.4× Rev Growth 8.5% ROE 14.5% Gross Margin 52.5% Div Yield 19.42%
USD 9.58
3.12%
(Delayed)
• Vol 90d: 44.7%
52-Week Range
Market Cap
$2.75B
Enterprise Value
$45.12B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Aug 11

Fair Value Snapshot

Bear Base Bull
$282
$306
$335
Current: $9.58 +3098% vs base

Engine Room Money Flow™

Mid Cap

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

Flow Steps
Total Revenue
$20.4B
8.5%%
Gross Profit
$10.7B
15.6%%
Operating Income (GAAP)
$8.1B
25.6%%
Operating Cash Flow
$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%)

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$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
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Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
67
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Software SaaS vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing PAGS's balance between Growth (29.3%), Profitability (45.9%), and Safety (24.8%). Growth 29% Safety 25% Profitability 46%

Click axes to expand details. Marker shows current allocation.

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Growth

46th percentile vs peers
47
Key Signals
Rev Growth YoY 8.5% 47p Revenue CAGR 3Y 10.0% 52p TSR 83.9% 88p EPS Growth YoY 7.3% 38p Def Rev Growth -24.4% 14p
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 (83.9%, 88th percentile)
  • Operating Cash Flow Margin in top 20% of peers (37.0%, 93th percentile)
Risks
  • Def Rev Growth in bottom 20% of peers (-24.4%)

Profitability

73th percentile vs peers
73
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
40
Key Signals
Strengths
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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
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Bear
-
- - -
- upside
-
Base
$306.37
- - -
+3098.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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