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Brazilian digital wallet and financial app offering Pix payments, peer-to-peer transfers, cards, loans and insurance distribution.
Brazilian digital wallet and financial app offering Pix payments, peer-to-peer transfers, cards, loans and insurance distribution.
Earns from interest on credit it extends, mainly cards and loans, with the fees merchants pay and card interchange, a fee charged each time a card is used, as other lines. J&F, the Batista family investment holding, controls it.
In one line: A Brazilian PayPal/Venmo-style super app.
Moat: narrow (network effects, scale, brand). Large installed base of Brazilian wallet users and merchants creates two-sided network effects.
Headquarters: São Paulo, Brazil · Founded: 2012 · Employees: 4,000
Size PicS (PICS) is a United States Financials company (Miscellaneous Commercial Services) with a market value of $889M, the 2320th largest of 3,117 United States companies the cockpit tracks. Shares closed at $6.86 on 6 Nov 2026.
Performance Over six months the shares fell 44.0%, against +11.4% for the median peer and -1.1% for the United States market (cap-weighted) — lowest of 16 in its peer set.
Growth Revenue grew 88.5% over the last twelve months (peer median +12.2%); the operating margin is 5.7% (peer median 11.0%).
Valuation It trades at 2.8× forward earnings against a peer median of 7.8× (cheapest of 14).
Short interest Short interest is 3.1% of the free float (15 Oct 2026).
Next results Next results expected around 4 Dec 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $2.57B | $1.86B | $1.05B | $697M | $586M |
| Revenue growth | — | +77% | +51% | +19% | — |
| Gross profit | $1.44B | $1.03B | $637M | $494M | $434M |
| EBITDA | $200M | $156M | $119M | $268M | $118M |
| Net income | $252M | $195M | $40.4M | $6.91M | -$8.85M |
| Free cash flow | $2.86B | $2.12B | $1.66B | $608M | $402M |
| Capital expenditure | $138M | $122M | $108M | $101M | $42.2M |
| Total debt | $6.93B | $5.48B | $3.28B | $2.75B | $1.94B |
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 |
|---|---|---|---|---|---|---|
| PicS PICS | $889M | -44% | +89% | 6% | 2.8× | n/a |
| Nu Holdings Ltd. Class A NU | $58.1B | -13% | +54% | 35% | 12.1× | n/a |
| Inter & INTR | $1.70B | -40% | +51% | 19% | 4.7× | n/a |
| StoneCo STNE | $1.83B | -30% | -30% | -130% | 3.7× | n/a |
| PagSeguro Digital PAGS | $2.11B | -25% | +11% | 38% | 4.5× | n/a |
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 | PICS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -42.7% | +6.6% | lowest of 16 |
| 6-month return | -44.0% | +11.4% | lowest of 16 |
| Distance from 52-week high | -65.6% | -15.6% | lowest of 16 |
| Revenue growth (TTM) | +88.5% | +12.2% | highest of 16 |
| Operating margin | 5.7% | 11.0% | 6th lowest of 16 |
| Forward P/E | 2.8× | 7.8× | cheapest of 14 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| PicS PICS | United States | $889M | -44% | +89% | 6% | 2.8× | n/a | n/a |
| Katapult KPLT | United States | $939M | +64% | +13% | 17% | n/a | n/a | n/a |
| Paysign PAYS | United States | $829M | +155% | +47% | 17% | 40.3× | n/a | n/a |
| Cass Information Systems CASS | United States | $694M | +14% | +2% | 22% | 15.7× | n/a | n/a |
| PRA PRAA | United States | $486M | -33% | +12% | 37% | 5.1× | n/a | n/a |
| StoneCo STNE | United States | $1.83B | -30% | -30% | -130% | 3.7× | n/a | n/a |
| Acacia Research ACTG | United States | $415M | -9% | +12% | -7% | n/a | n/a | n/a |
| Marqeta MQ | United States | $1.93B | +11% | +17% | 2% | 38.5× | n/a | n/a |
| EVERTEC EVTC | United States | $2.00B | +40% | +16% | 20% | 7.8× | n/a | n/a |
| Repay RPAY | United States | $388M | +24% | +9% | 0% | 4.3× | n/a | n/a |
| PagSeguro Digital PAGS | United States | $2.11B | -25% | +11% | 38% | 4.5× | n/a | n/a |
| Paysafe PSFE | United States | $349M | -28% | +5% | 6% | 3.2× | n/a | n/a |
| Payoneer Global PAYO | United States | $2.42B | +39% | +6% | 12% | 33.9× | 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 |