PagSeguro Digital Ltd

Chart & Performance

D1W1MN

P/E

7.90

P/S

0.86

EPS

5.02

Div Yield, %

0.00%

Shrs. gr., 5y

0.36%

Rev. gr., 5y

28.83%

Revenues

15.68b

+0.64%

Net income

1.65b

+9.90%

CFO

4.00b

+11.45%

Earnings

Feb 26, 2025

Profile

PagSeguro Digital Ltd., together with its subsidiaries, provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company's products and services include PagSeguro Ecosystem, a digital ecosystem that operates as a closed loop where its clients are able to address their primary day to day financial needs, including receiving and spending funds, and managing and growing their businesses; PagBank digital account, which offers banking services through the PagBank mobile app, as well as centralizes various cash-in options, functionalities, services, and cash-out options in a single ecosystem; and PlugPag, a tool for medium-sized and larger merchants that enables them to connect their point of sale (POS) device directly to their enterprise resource planning software or sales automation system through Bluetooth. It also offers cash-in solutions; online and in-person payment tools; and online gaming and cross-border digital services, as well as issues prepaid, credit, and cash cards. In addition, the company provides functionalities, and value-added services and features, such as purchase protection mechanisms, antifraud platform, account and business management tools, and POS app; and operates an online platform that facilitates peer-to-peer lending. Further, it is involved in processing of back-office solutions, including sales reconciliation, and gateway solutions and services, as well as the capture of credit cards with acquirers and sub acquirers. The company was founded in 2006 and is headquartered in São Paulo, Brazil.

URL

https://investors.pagseguro.com/

IPO date

Jan 24, 2018

Employees

6,751

Domiciled in

Incorporated in

Valuation

Order:

Title BRL in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title BRL in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	15,680,288 0.64%	15,579,880 46.20%	10,656,701 58.28%
Cost of revenue	10,295,085	10,345,180	8,424,409
Unusual Expense (Income)
NOPBT	5,385,203	5,234,700	2,232,293
NOPBT Margin	34.34%	33.60%	20.95%
Operating Taxes	363,423	261,613	332,910
Tax Rate	6.75%	5.00%	14.91%
NOPAT	5,021,780	4,973,087	1,899,382
Net income	1,653,684 9.90%	1,504,768 29.04%	1,166,102 -9.72%
Dividends
Dividend yield
Proceeds from repurchase of equity	(399,408)	(299,534)	(266,946)
BB yield	9.89%	10.41%	3.06%
Debt
Debt current	11,554,800	10,173,171	4,087,785
Long-term debt	4,985,305	1,944,854	129,385
Deferred revenue	17,724	17,579	17,342
Other long-term liabilities	2,513,611	271,882	84,278
Net debt	13,642,987	8,355,143	1,348,469
Cash flow
Cash from operating activities	3,999,753	3,588,954	929,175
CAPEX	(951,558)	(2,195,691)	(1,812,632)
Cash from investing activities	(2,703,797)	(2,245,161)	(1,534,118)
Cash from financing activities	(225,993)	(1,308,093)	764,594
FCF	(13,271)	(3,358,376)	(2,293,935)
Balance
Cash	2,899,060	2,948,006	2,583,242
Long term investments	(1,942)	814,876	285,459
Excess cash	2,113,104	2,983,888	2,335,866
Stockholders' equity	14,023,374	12,383,049	10,813,301
Invested Capital	30,117,870	21,284,558	12,426,938
ROIC	19.54%	29.50%	18.73%
ROCE	16.71%	20.26%	13.82%
EV
Common stock shares outstanding	323,956	329,235	332,175
Price	12.47 42.68%	8.74 -66.67%	26.22 -53.90%
Market cap	4,039,726 40.39%	2,877,511 -66.96%	8,709,624 -53.57%
EV	17,682,713	11,232,655	10,058,093
EBITDA	6,740,856	6,396,772	3,027,562
EV/EBITDA	2.62	1.76	3.32
Interest	3,001,443	3,151,552	790,635
Interest/NOPBT	55.74%	60.21%	35.42%