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PagSeguro Digital Ltd.

PagSeguro Digital Ltd.

NYSE•PAGS
CEO: Mr. Alexandre Magnani
Sector: Technology
Industry: Software - Infrastructure
Listing Date: 2018-01-24
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 also 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. In addition, it provides software solutions comprising PagVendas, a POS software app; ClubPag, a marketing tool that allows merchants to advertise across client base, available for POS devices; PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology; and Envio Fácil, a logistics solution for online sales, which helps merchants in simulating, comparing, and choosing the best price to send customers products. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
Contact Information
Avenida Brigadeiro Faria Lima, 1384, 4º andar Parte A, São Paulo, SP, 01451-001, Brazil
55-11-3914-9524
pagseguro.uol.com.br
Market Cap
$3.08B
P/E (TTM)
7.3
39.5
Dividend Yield
3.7%
52W High
$11.16
52W Low
$6.11
52W Range
82%
Rank42Top 35.8%
4.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$902.38M+4.49%
4-Quarter Trend

EPS

$0.35+13.77%
4-Quarter Trend

FCF

$306.58M-231.06%
4-Quarter Trend

2024 FY Earnings Highlights

Key Highlights

Share Structure Confirmed Total outstanding shares include 209,148,916 Class A and 120,459,508 Class B shares reported December 31, 2024.
Filing Correction Issued Amendment No. 1 replaces Exhibits 12.1, 12.2, 13.1, and 13.2 due to inadvertent errors found in original filing.
NYSE Listing Confirmed Class A common shares trade on the New York Stock Exchange under the symbol PAGS for reporting compliance.

Risk Factors

Internal Reporting Weakness Amendment necessary to correct inadvertent errors in Sarbanes-Oxley certification exhibits filed previously with the Annual Report.
Executive Certification Updates Required re-submission of Section 302 and 906 certifications by CEO and CFO following initial filing errors.
Missing Performance Data This amendment lacks core financial performance metrics, limiting immediate investment analysis based on this filing alone.

Outlook

Compliance Filing Complete Amendment No. 1 completes necessary corrections to the FY2024 Annual Report filing requirements with the U.S. Securities and Exchange Commission.
IFRS Accounting Basis Financial statements prepared using International Financial Reporting Standards as issued by the International Accounting Standards Board.
No Shell Company Status Registrant confirms it is not a shell company as defined under Rule 12b-2 of the Exchange Act for this report.

Peer Comparison

Revenue (TTM)

Concentrix CorporationCNXC
$9.72B
+3.4%
PagSeguro Digital Ltd.PAGS
$3.42B
+10.9%
Pagaya Technologies Ltd.PGY
$1.22B
+29.5%

Gross Margin (Latest Quarter)

Payoneer Global Inc.PAYO
84.3%
-0.4pp
BlackBerry LimitedBB
74.5%
+9.7pp
AvePoint, Inc.AVPT
74.4%
-1.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BRZE$3.52B-30.3-21.7%8.1%
PAGS$3.08B7.315.0%57.9%
AVPT$3.00B1495.30.5%1.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.9%
Moderate Growth
4Q Net Income CAGR
-0.1%
Stable Profitability
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Feb 20, 2026
|
EPS:$0.38
|
Revenue:-
Reports
All Years
  • Form 20-F/A - FY 2024

    Period End: Dec 31, 2024|Filed: Apr 29, 2025|
    Revenue: $2.96B+16.9%
    |
    EPS: $1.08+31.4%
    Beat
  • Form 20-F - FY 2024

    Period End: Dec 31, 2024|Filed: Apr 29, 2025|
    Revenue: $2.96B+16.9%
    |
    EPS: $1.08+31.4%
    Beat
  • Form 20-F - FY 2023

    Period End: Dec 31, 2023|Filed: Apr 29, 2024|
    Revenue: $3.14B+3.4%
    |
    EPS: $1.02+10.9%
    Beat
  • Form 20-F - FY 2022

    Period End: Dec 31, 2022|Filed: Apr 28, 2023|
    Revenue: $2.92B+47.2%
    |
    EPS: $0.89+30.3%
    Miss
  • Form 20-F - FY 2021

    Period End: Dec 31, 2021|Filed: May 2, 2022|
    Revenue: $1.90B+54.0%
    |
    EPS: $0.65-9.9%
    Miss
  • Form 20-F - FY 2020

    Period End: Dec 31, 2020|Filed: Apr 27, 2021|
    Revenue: $1.30B+19.8%
    |
    EPS: $0.76-5.8%
    Miss