PAGS
PagSeguro Digital Ltd.
Software - Infrastructure
Market Cap$1.78B
5Y Perf.-79.9%
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Stock Comparison
PAGS vs TOST
Revenue, margins, valuation, and 5-year total return — side by side.
TOST
Toast, Inc.
Software - Infrastructure
Market Cap$14.81B
5Y Perf.-43.3%
PAGS vs TOST — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PAGS | TOST |
|---|---|---|
| Industry | Software - Infrastructure | Software - Infrastructure |
| Market Cap | $1.78B | $14.81B |
| Revenue (TTM) | $19.82B | $6.15B |
| Net Income (TTM) | $2.13B | $342M |
| Gross Margin | 50.8% | 25.8% |
| Operating Margin | 37.5% | 4.8% |
| Forward P/E | 1.2x | 22.8x |
| Total Debt | $34.86B | $40M |
| Cash & Equiv. | $1.86B | $1.35B |
PAGS vs TOST — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PAGS
TOST
| Stock | Sep 21 | May 26 | Return |
|---|---|---|---|
| PagSeguro Digital L… (PAGS) | 100 | 20.1 | -79.9% |
| Toast, Inc. (TOST) | 100 | 56.7 | -43.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PAGS vs TOST
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PAGS leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Toast, Inc. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
PAGS
PagSeguro Digital Ltd.
The Value Play
PAGS carries the broadest edge in this set and is the clearest fit for value and quality.
- Lower P/E (1.2x vs 22.8x)
- 10.7% margin vs TOST's 5.6%
- 4.0% yield; 2-year raise streak; the other pay no meaningful dividend
Best for: value and quality
TOST
Toast, Inc.
The Income Pick
TOST is the clearest fit if your priority is income & stability and growth exposure.
- beta 1.44
- Rev growth 24.1%, EPS growth 16.4%, 3Y rev CAGR 31.1%
- -54.7% 10Y total return vs PAGS's -61.7%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | TOST | 24.1% revenue growth vs PAGS's 5.6% |
| Value | PAGS | Lower P/E (1.2x vs 22.8x) |
| Quality / Margins | PAGS | 10.7% margin vs TOST's 5.6% |
| Stability / Safety | TOST | Beta 1.44 vs PAGS's 1.70, lower leverage |
| Dividends | PAGS | 4.0% yield; 2-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | PAGS | +15.0% vs TOST's -19.6% |
| Efficiency (ROA) | TOST | 10.9% ROA vs PAGS's 3.0%, ROIC 30.8% vs 10.7% |
PAGS vs TOST — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
PAGS vs TOST — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTOSTLAGGINGPAGS
PAGSPagSeguro Digital Ltd.
1leads
TOSTToast, Inc.
2leads
6 Total Categories
CATEGORYLEADERvs PAGSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
PAGS6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TOST6/7
Total Returns1Y, 3Y, 5Y total returns with dividends
TOST4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
Evenly matched — PAGS and TOST each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PAGS is the larger business by revenue, generating $19.8B annually — 3.2x TOST's $6.2B. PAGS is the more profitable business, keeping 10.7% of every revenue dollar as net income compared to TOST's 5.6%. On growth, TOST holds the edge at +22.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $19.8B | $6.2B |
| EBITDAEarnings before interest/tax | $8.8B | $361M |
| Net IncomeAfter-tax profit | $2.1B | $342M |
| Free Cash FlowCash after capex | $708M | $608M |
| Gross MarginGross profit ÷ Revenue | +50.8% | +25.8% |
| Operating MarginEBIT ÷ Revenue | +37.5% | +4.8% |
| Net MarginNet income ÷ Revenue | +10.7% | +5.6% |
| FCF MarginFCF ÷ Revenue | +3.6% | +9.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.0% | +22.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -8.4% | +190.9% |
Evenly matched — PAGS and TOST each lead in 3 of 6 comparable metrics.
Valuation Metrics
PAGS leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 7.4x trailing earnings, PAGS trades at a 85% valuation discount to TOST's 50.6x P/E. On an enterprise value basis, PAGS's 5.7x EV/EBITDA is more attractive than TOST's 36.3x.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. |
|---|---|---|
| Market CapShares × price | $1.8B | $14.8B |
| Enterprise ValueMkt cap + debt − cash | $8.5B | $13.5B |
| Trailing P/EPrice ÷ TTM EPS | 7.39x | 50.55x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.18x | 22.84x |
| PEG RatioP/E ÷ EPS growth rate | 0.61x | — |
| EV / EBITDAEnterprise value multiple | 5.75x | 36.27x |
| Price / SalesMarket cap ÷ Revenue | 0.45x | 2.41x |
| Price / BookPrice ÷ Book value/share | 1.05x | 8.09x |
| Price / FCFMarket cap ÷ FCF | 5.64x | 24.35x |
PAGS leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
TOST leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
TOST delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $14 for PAGS. TOST carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to PAGS's 2.38x.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +14.4% | +16.1% |
| ROA (TTM)Return on assets | +3.0% | +10.9% |
| ROICReturn on invested capital | +10.7% | +30.8% |
| ROCEReturn on capital employed | +25.6% | +15.9% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 2.38x | 0.02x |
| Net DebtTotal debt minus cash | $33.0B | -$1.3B |
| Cash & Equiv.Liquid assets | $1.9B | $1.4B |
| Total DebtShort + long-term debt | $34.9B | $40M |
| Interest CoverageEBIT ÷ Interest expense | 1.50x | — |
TOST leads this category, winning 6 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
TOST leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TOST five years ago would be worth $4,529 today (with dividends reinvested), compared to $2,658 for PAGS. Over the past 12 months, PAGS leads with a +15.0% total return vs TOST's -19.6%. The 3-year compound annual growth rate (CAGR) favors TOST at 13.5% vs PAGS's -0.4% — a key indicator of consistent wealth creation.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +11.6% | -16.8% |
| 1-Year ReturnPast 12 months | +15.0% | -19.6% |
| 3-Year ReturnCumulative with dividends | -1.3% | +46.3% |
| 5-Year ReturnCumulative with dividends | -73.4% | -54.7% |
| 10-Year ReturnCumulative with dividends | -61.7% | -54.7% |
| CAGR (3Y)Annualised 3-year return | -0.4% | +13.5% |
TOST leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PAGS and TOST each lead in 1 of 2 comparable metrics.
Risk & Volatility
TOST is the less volatile stock with a 1.44 beta — it tends to amplify market swings less than PAGS's 1.70 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PAGS currently trades 84.5% from its 52-week high vs TOST's 57.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.70x | 1.44x |
| 52-Week HighHighest price in past year | $12.32 | $49.66 |
| 52-Week LowLowest price in past year | $7.74 | $24.35 |
| % of 52W HighCurrent price vs 52-week peak | +84.5% | +57.0% |
| RSI (14)Momentum oscillator 0–100 | 41.8 | 51.9 |
| Avg Volume (50D)Average daily shares traded | 3.7M | 9.8M |
Evenly matched — PAGS and TOST each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates PAGS as "Buy" and TOST as "Buy". Consensus price targets imply 40.4% upside for TOST (target: $40) vs 17.0% for PAGS (target: $12). PAGS is the only dividend payer here at 3.95% yield — a key consideration for income-focused portfolios.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $12.18 | $39.76 |
| # AnalystsCovering analysts | 24 | 29 |
| Dividend YieldAnnual dividend ÷ price | +4.0% | — |
| Dividend StreakConsecutive years of raises | 2 | — |
| Dividend / ShareAnnual DPS | $2.03 | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.7% |
Insufficient data to determine a leader in this category.
Key Takeaway
TOST leads in 2 of 6 categories (Profitability & Efficiency, Total Returns). PAGS leads in 1 (Valuation Metrics). 2 tied.
Best OverallToast, Inc. (TOST)Leads 2 of 6 categories
Loading custom metrics...
PAGS vs TOST: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PAGS or TOST a better buy right now?
For growth investors, Toast, Inc.
(TOST) is the stronger pick with 24. 1% revenue growth year-over-year, versus 5. 6% for PagSeguro Digital Ltd. (PAGS). PagSeguro Digital Ltd. (PAGS) offers the better valuation at 7. 4x trailing P/E (1. 2x forward), making it the more compelling value choice. Analysts rate PagSeguro Digital Ltd. (PAGS) a "Buy" — based on 24 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PAGS or TOST?
On trailing P/E, PagSeguro Digital Ltd.
(PAGS) is the cheapest at 7. 4x versus Toast, Inc. at 50. 6x. On forward P/E, PagSeguro Digital Ltd. is actually cheaper at 1. 2x.
03Which is the better long-term investment — PAGS or TOST?
Over the past 5 years, Toast, Inc.
(TOST) delivered a total return of -54. 7%, compared to -73. 4% for PagSeguro Digital Ltd. (PAGS). Over 10 years, the gap is even starker: TOST returned -54. 7% versus PAGS's -61. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PAGS or TOST?
By beta (market sensitivity over 5 years), Toast, Inc.
(TOST) is the lower-risk stock at 1. 44β versus PagSeguro Digital Ltd. 's 1. 70β — meaning PAGS is approximately 18% more volatile than TOST relative to the S&P 500. On balance sheet safety, Toast, Inc. (TOST) carries a lower debt/equity ratio of 2% versus 2% for PagSeguro Digital Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — PAGS or TOST?
By revenue growth (latest reported year), Toast, Inc.
(TOST) is pulling ahead at 24. 1% versus 5. 6% for PagSeguro Digital Ltd. (PAGS). On earnings-per-share growth, the picture is similar: Toast, Inc. grew EPS 1639% year-over-year, compared to 5. 1% for PagSeguro Digital Ltd.. Over a 3-year CAGR, TOST leads at 31. 1% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PAGS or TOST?
PagSeguro Digital Ltd.
(PAGS) is the more profitable company, earning 10. 7% net margin versus 5. 6% for Toast, Inc. — meaning it keeps 10. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PAGS leads at 37. 5% versus 5. 0% for TOST. At the gross margin level — before operating expenses — PAGS leads at 50. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PAGS or TOST more undervalued right now?
On forward earnings alone, PagSeguro Digital Ltd.
(PAGS) trades at 1. 2x forward P/E versus 22. 8x for Toast, Inc. — 21. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TOST: 40. 4% to $39. 76.
08Which pays a better dividend — PAGS or TOST?
In this comparison, PAGS (4.
0% yield) pays a dividend. TOST does not pay a meaningful dividend and should not be held primarily for income.
09Is PAGS or TOST better for a retirement portfolio?
For long-horizon retirement investors, PagSeguro Digital Ltd.
(PAGS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (4. 0% yield). Both have compounded well over 10 years (PAGS: -61. 7%, TOST: -54. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PAGS and TOST?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: PAGS is a small-cap deep-value stock; TOST is a mid-cap high-growth stock. PAGS pays a dividend while TOST does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(PAGS: 6.0% · TOST: 22.0%)Net Margin>
%
(PAGS: 10.7% · TOST: 5.6%)P/E Ratio<
x
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