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PagSeguro Digital Ltd. PAGS

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Price alert · PAGS

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7.62 USD -0.30 (-3.85%)

Nov 5, 2026, 9:51 AM EST

7.63 Day range 7.85
7.50 52-week range 12.32
YTD
-21.01%
1 year
-20.92%

Financial health

Altman Z-Score

1.32 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 7.5×
FY 2016: 198×FY 2017: 52.8×FY 2018: 25.4×FY 2019: 32.9×FY 2020: 75.3×FY 2021: 41.4×FY 2022: 10.0×FY 2023: 11.9×FY 2024: 5.8×FY 2025: 7.5×
FY 2016 5y median 10.0× FY 2025
P/S 0.8×
FY 2016: 26.4×FY 2017: 12.1×FY 2018: 5.7×FY 2019: 8.0×FY 2020: 14.5×FY 2021: 4.7×FY 2022: 1.0×FY 2023: 1.3×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
P/B 1.1×
FY 2016: 47.8×FY 2017: 35.1×FY 2018: 3.5×FY 2019: 22.6×FY 2020: 54.2×FY 2021: 25.6×FY 2022: 1.3×FY 2023: 1.5×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 1.3× FY 2025
P/FCF 10.0×
FY 2016: 6972×FY 2017: 84.6×FY 2018: -10.8×FY 2019: -206×FY 2020: 916×FY 2021: -56.5×FY 2022: 10.7×FY 2023: 9.7×FY 2024: -2.2×FY 2025: 10.0×
FY 2016 5y median 9.7× FY 2025
EV/EBITDA 6.2×
FY 2016: 120×FY 2017: 36.5×FY 2018: 19.1×FY 2019: 22.8×FY 2020: 46.0×FY 2021: 16.0×FY 2022: 4.2×FY 2023: 5.0×FY 2024: 6.7×FY 2025: 6.2×
FY 2016 5y median 6.2× FY 2025
EV/Sales 3.0×
FY 2016: 26.5×FY 2017: 12.1×FY 2018: 5.0×FY 2019: 8.0×FY 2020: 14.5×FY 2021: 4.7×FY 2022: 1.7×FY 2023: 2.1×FY 2024: 2.8×FY 2025: 3.0×
FY 2016 5y median 2.8× FY 2025
FCF Yield 10.0%
FY 2016: 0.0%FY 2017: 1.2%FY 2018: -9.3%FY 2019: -0.5%FY 2020: 0.1%FY 2021: -1.8%FY 2022: 9.4%FY 2023: 10.3%FY 2024: -46.3%FY 2025: 10.0%
FY 2016 5y median 9.4% FY 2025

Profitability

Gross Margin 50.6%
FY 2016: 45.0%FY 2017: 47.3%FY 2018: 47.1%FY 2019: 50.5%FY 2020: 43.6%FY 2021: 43.9%FY 2022: 50.7%FY 2023: 48.1%FY 2024: 47.9%FY 2025: 50.6%
FY 2016 5y median 48.1% FY 2025
Operating Margin 37.5%
FY 2016: 19.9%FY 2017: 31.5%FY 2018: 24.1%FY 2019: 32.7%FY 2020: 25.9%FY 2021: 20.6%FY 2022: 33.5%FY 2023: 34.3%FY 2024: 32.5%FY 2025: 37.5%
FY 2016 5y median 33.5% FY 2025
Net Margin 10.7%
FY 2016: 11.2%FY 2017: 19.0%FY 2018: 22.4%FY 2019: 24.5%FY 2020: 19.3%FY 2021: 11.3%FY 2022: 9.9%FY 2023: 10.5%FY 2024: 11.5%FY 2025: 10.7%
FY 2016 5y median 10.7% FY 2025
ROE 14.2%
FY 2016: 20.3%FY 2017: 55.2%FY 2018: 13.9%FY 2019: 68.7%FY 2020: 72.0%FY 2021: 61.8%FY 2022: 12.7%FY 2023: 12.5%FY 2024: 14.4%FY 2025: 14.2%
FY 2016 5y median 14.2% FY 2025
ROIC 9.8%
FY 2016: 21.6%FY 2017: 60.5%FY 2018: 10.9%FY 2019: 60.4%FY 2020: 57.8%FY 2021: 57.4%FY 2022: 16.9%FY 2023: 13.7%FY 2024: 8.9%FY 2025: 9.8%
FY 2016 5y median 13.7% FY 2025
ROA 2.8%
FY 2016: 5.4%FY 2017: 11.3%FY 2018: 8.0%FY 2019: 37.7%FY 2020: 30.1%FY 2021: 20.9%FY 2022: 3.3%FY 2023: 3.0%FY 2024: 2.9%FY 2025: 2.8%
FY 2016 5y median 3.0% FY 2025

Growth (YoY)

Revenue 5.6%
FY 2016: 70.6%FY 2017: 122.0%FY 2018: 61.3%FY 2019: 37.6%FY 2020: 19.8%FY 2021: 54.0%FY 2022: 47.2%FY 2023: 3.4%FY 2024: 16.9%FY 2025: 5.6%
FY 2016 FY 2025
Operating Income 22.0%
FY 2016: 288.4%FY 2017: 251.8%FY 2018: 23.6%FY 2019: 86.6%FY 2020: -5.1%FY 2021: 22.5%FY 2022: 139.1%FY 2023: 6.1%FY 2024: 10.6%FY 2025: 22.0%
FY 2016 FY 2025
EPS (diluted) 5.1%
FY 2016: 269.2%FY 2017: 281.3%FY 2018: 56.3%FY 2019: 45.1%FY 2020: -5.5%FY 2021: -10.5%FY 2022: 30.2%FY 2023: 11.6%FY 2024: 29.8%FY 2025: 5.1%
FY 2016 FY 2025
Free Cash Flow 127.1%
FY 2016: -34.1%FY 2017: 8273.5%FY 2018: -694.6%FY 2019: 89.8%FY 2020: 148.7%FY 2021: -904.7%FY 2022: 265.4%FY 2023: 42.4%FY 2024: -385.2%FY 2025: 127.1%
FY 2016 FY 2025

Financial Health

Current Ratio 1.4×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 2.3×FY 2019: 2.3×FY 2020: 1.7×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.4×FY 2024: 1.5×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
Quick Ratio 1.4×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 2.3×FY 2019: 2.3×FY 2020: 1.7×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.4×FY 2024: 1.5×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
Debt / Equity 3.0×
FY 2016: 0.3×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.4×FY 2022: 1.0×FY 2023: 1.2×FY 2024: 2.8×FY 2025: 3.0×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA 4.5×
FY 2016: 0.5×FY 2017: -0.1×FY 2018: -2.6×FY 2019: -0.2×FY 2020: -0.1×FY 2021: 0.1×FY 2022: 1.7×FY 2023: 2.0×FY 2024: 5.1×FY 2025: 4.5×
FY 2016 5y median 2.0× FY 2025
Interest Coverage 1.4×
FY 2016: 3.6×FY 2017: 8.2×FY 2018: 32.9×FY 2019: 0.0×FY 2020: 15.9×FY 2021: 2.7×FY 2022: 1.6×FY 2023: 1.6×FY 2024: 1.6×FY 2025: 1.4×
FY 2016 5y median 1.6× FY 2025

Dividends

Dividend Yield 3.9%
FY 2016: 0.0%FY 2017: 0.2%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 3.9%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 29.1%
FY 2016: 0.0%FY 2017: 11.8%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 29.1%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31