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Brazilian fintech providing payment processing, POS devices and digital banking services to small and micro-merchants.
Brazilian fintech providing payment processing, POS devices and digital banking services to small and micro-merchants.
Takes a small cut of each card payment and charges extra when merchants want their money before the card networks pay out, while the bank side earns interest on credit and income from deposits. Founded inside the UOL internet group, which still controls it, its customers are almost all in Brazil.
In one line: A Brazilian Square/Block equivalent, majority owned by UOL.
Moat: narrow (distribution, scale, brand). Large installed base of POS devices among micro-merchants plus a growing digital-bank customer base.
Headquarters: São Paulo, Brazil · Founded: 2006
Size PagSeguro Digital (PAGS) is a United States Financials company (Miscellaneous Commercial Services) with a market value of $2.11B, the 1758th largest of 3,117 United States companies the cockpit tracks. Shares closed at $7.60 on 6 Nov 2026.
Performance Over six months the shares fell 24.7%, against +13.7% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd lowest of 16 in its peer set.
Growth Revenue grew 11.0% over the last twelve months (peer median +17.2%); the operating margin is 37.7% (peer median 10.4%).
Valuation It trades at 4.5× forward earnings against a peer median of 19.2× (3rd cheapest of 15).
Short interest Short interest is 12.2% of the free float (15 Oct 2026).
Next results Next results expected around 16 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $3.75B | $3.53B | $3.40B | $3.14B | $2.94B |
| Revenue growth | — | +4% | +8% | +7% | — |
| Gross profit | $1.92B | $1.79B | $1.62B | $1.50B | $1.48B |
| EBITDA | $1.77B | $1.65B | $1.40B | $1.35B | $1.20B |
| Net income | $407M | $379M | $393M | $331M | $291M |
| Free cash flow | -$188M | $284M | -$743M | $608M | $464M |
| Capital expenditure | $429M | $408M | $430M | $398M | $414M |
| Total debt | $9.01B | $8.10B | $6.61B | $3.39B | $2.28B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g |
|---|---|---|---|---|---|---|
| PagSeguro Digital PAGS | $2.11B | -25% | +11% | 38% | 4.5× | n/a |
| StoneCo STNE | $1.83B | -30% | -30% | -130% | 3.7× | n/a |
| Nu Holdings Ltd. Class A NU | $58.1B | -13% | +54% | 35% | 12.1× | n/a |
| MercadoLibre MELI | $76.6B | -8% | +46% | 8% | 32.0× | 11.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | PAGS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -28.8% | +4.5% | 3rd lowest of 16 |
| 6-month return | -24.7% | +13.7% | 3rd lowest of 16 |
| Distance from 52-week high | -38.3% | -15.6% | 5th lowest of 16 |
| Revenue growth (TTM) | +11.0% | +17.2% | 6th lowest of 16 |
| Operating margin | 37.7% | 10.4% | highest of 16 |
| Forward P/E | 4.5× | 19.2× | 3rd cheapest of 15 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| PagSeguro Digital PAGS | United States | $2.11B | -25% | +11% | 38% | 4.5× | n/a | n/a |
| EVERTEC EVTC | United States | $2.00B | +40% | +16% | 20% | 7.8× | n/a | n/a |
| Marqeta MQ | United States | $1.93B | +11% | +17% | 2% | 38.5× | n/a | n/a |
| Payoneer Global PAYO | United States | $2.42B | +39% | +6% | 12% | 33.9× | n/a | n/a |
| StoneCo STNE | United States | $1.83B | -30% | -30% | -130% | 3.7× | n/a | n/a |
| Flywire FLYW | United States | $2.62B | +25% | +31% | 9% | 33.9× | n/a | n/a |
| Euronet Worldwide EEFT | United States | $2.65B | +3% | +5% | 11% | 6.2× | n/a | n/a |
| Shift4 Payments FOUR | United States | $3.47B | +3% | +32% | 10% | 8.4× | n/a | n/a |
| Paymentus PAY | United States | $3.70B | +20% | +26% | 8% | 32.3× | n/a | n/a |
| Remitly Global RELY | United States | $4.72B | -7% | +24% | 10% | 22.7× | n/a | n/a |
| Katapult KPLT | United States | $939M | +64% | +13% | 17% | n/a | n/a | n/a |
| PicS PICS | United States | $889M | -44% | +89% | 6% | 2.8× | n/a | n/a |
| Klarna KLAR | United States | $5.13B | -6% | +34% | -1% | 106.5× | n/a | n/a |
| Paysign PAYS | United States | $829M | +155% | +47% | 17% | 40.3× | n/a | n/a |
| WEX WEX | United States | $5.99B | +29% | +10% | 27% | 8.0× | n/a | n/a |
| Cass Information Systems CASS | United States | $694M | +14% | +2% | 22% | 15.7× | n/a | n/a |