PagSeguro Digital Ltd.
Company & revenue
About PagSeguro Digital Ltd.
Who they are
PagSeguro Digital Ltd., together with its subsidiaries, engages in the provision of financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. It provides digital banking solutions, including deposits, top-ups, debt management services, tax collections, wire transfers, ATM withdrawals, and various online and point-of-sale (POS) payment solutions; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. The company offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as investment and portfolio advisory, financial education, brokerage, fund management, treasury, and research services; and operates Shopping PagBank, a marketplace for various brands.
Detailed revenue, brand and relationship research has not yet been completed for PAGS.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
64
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
52
Fair
Financial Strength
30
Business Quality / Moat
86
Management
51
Growth Quality
32
Risk / Durability
65
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
65
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
64/100
Building Historical Record
Model Score 64/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for PAGS
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can PAGS maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is PAGS's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is PAGS's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is PAGS's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
64
Opportunity Score
65
Market Cap
$2.61B
P/E Ratio
6.0
EPS
$1.45
52-Week High
$12.32
52-Week Low
$8.42
Beta
1.27
Intrinsic Value
$36.84
Analyst Target
$10.70
Shares Outstanding
297.9M
Total Revenue
$3.81B
Total Debt
$8.96B
Dividend Yield
6.21%
Liquidation Value / Share
$9.69
Annual Dividend
$0.56
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for PAGS
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on PAGS.
What the Bulls Say
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Product opportunity: PagSeguro Digital Ltd., together with its subsidiaries, engages in the provision of financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. It provides digital banking solutions, including deposits, top-ups, debt management services, tax collections, wire transfers, ATM withdrawals, and various online and point-of-sale (POS) payment solutions.
- +Product opportunity: cards, such as debit, credit, cash, and prepaid card.
- +Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
61
Jul 24, 2026
Change
+3.3
points
Current Score
64
Oct 1, 2026
Category Changes
PAGS increased 3.3 points because Capital improved by 4 points, Valuation improved by 15 points.
Positive Contributors
- + Capital improved by 4 points
- + Valuation improved by 15 points
Projected Score
Projected Score
61
Projected Change
-2.8%
Preliminary comparable-period financial changes suggest decline of approximately 2.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$9.02
Intrinsic Value
$36.84
Difference
−$27.82
-75.5% vs IV
Margin of Safety
75.5%
Related Companies
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