PagSeguro Digital Ltd

Chart & Performance

D1W1MN

P/E

7.43

P/S

0.86

EPS

6.42

Div Yield, %

—

Shrs. gr., 5y

-0.60%

Rev. gr., 5y

26.36%

Revenues

18.33b

+16.92%

Net income

2.12b

+27.98%

CFO

-3.42b

Earnings

Aug 18, 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	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	18,333,709 16.92%	15,680,288 0.64%	15,579,880 46.20%
Cost of revenue	12,375,156	10,295,085	10,345,180
Unusual Expense (Income)
NOPBT	5,958,553	5,385,203	5,234,700
NOPBT Margin	32.50%	34.34%	33.60%
Operating Taxes	263,561	363,423	261,613
Tax Rate	4.42%	6.75%	5.00%
NOPAT	5,694,992	5,021,780	4,973,087
Net income	2,116,368 27.98%	1,653,684 9.90%	1,504,768 29.04%
Dividends
Dividend yield
Proceeds from repurchase of equity	(784,459)	(399,408)	(299,534)
BB yield	39.22%	9.89%	10.41%
Debt
Debt current	4,606,978	11,554,800	10,173,171
Long-term debt	159,416	4,985,305	1,944,854
Deferred revenue		17,724	17,579
Other long-term liabilities	15,415,808	2,513,611	271,882
Net debt	3,350,802	13,642,987	8,355,143
Cash flow
Cash from operating activities	(3,416,293)	3,999,753	3,588,954
CAPEX	(1,131,878)	(951,558)	(2,195,691)
Cash from investing activities	(1,830,089)	(2,703,797)	(2,245,161)
Cash from financing activities	3,274,990	(225,993)	(1,308,093)
FCF	3,464,918	(13,271)	(3,358,376)
Balance
Cash	1,415,592	2,899,060	2,948,006
Long term investments		(1,942)	814,876
Excess cash	498,907	2,113,104	2,983,888
Stockholders' equity	16,036,049	14,023,374	12,383,049
Invested Capital	34,264,206	30,117,870	21,284,558
ROIC	17.69%	19.54%	29.50%
ROCE	17.14%	16.71%	20.26%
EV
Common stock shares outstanding	319,511	323,956	329,235
Price	6.26 -49.80%	12.47 42.68%	8.74 -66.67%
Market cap	2,000,141 -50.49%	4,039,726 40.39%	2,877,511 -66.96%
EV	5,350,943	17,682,713	11,232,655
EBITDA	7,559,485	6,740,856	6,396,772
EV/EBITDA	0.71	2.62	1.76
Interest		3,001,443	3,151,552
Interest/NOPBT		55.74%	60.21%