INTR vs PAGS

For growth investors, Inter & Co, Inc.

(INTR) is the stronger pick with 27. 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 Inter & Co, Inc. (INTR) a "Buy" — based on 6 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.

On trailing P/E, PagSeguro Digital Ltd.

(PAGS) is the cheapest at 7. 4x versus Inter & Co, Inc. at 18. 7x. On forward P/E, PagSeguro Digital Ltd. is actually cheaper at 1. 2x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Inter & Co, Inc. wins at 0. 02x versus PagSeguro Digital Ltd. 's 0. 10x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Inter & Co, Inc.

(INTR) delivered a total return of +131. 7%, compared to -73. 4% for PagSeguro Digital Ltd. (PAGS). Over 10 years, the gap is even starker: INTR returned +131. 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.

By beta (market sensitivity over 5 years), Inter & Co, Inc.

(INTR) is the lower-risk stock at 1. 39β versus PagSeguro Digital Ltd. 's 1. 70β — meaning PAGS is approximately 22% more volatile than INTR relative to the S&P 500. On balance sheet safety, Inter & Co, Inc. (INTR) carries a lower debt/equity ratio of 131% versus 2% for PagSeguro Digital Ltd. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Inter & Co, Inc.

(INTR) is pulling ahead at 27. 1% versus 5. 6% for PagSeguro Digital Ltd. (PAGS). On earnings-per-share growth, the picture is similar: Inter & Co, Inc. grew EPS 176. 0% year-over-year, compared to 5. 1% for PagSeguro Digital Ltd.. 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.

PagSeguro Digital Ltd.

(PAGS) is the more profitable company, earning 10. 7% net margin versus 9. 3% for Inter & Co, 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 12. 4% for INTR. 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Inter & Co, Inc. (INTR) is the more undervalued stock at a PEG of 0. 02x versus PagSeguro Digital Ltd. 's 0. 10x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, PagSeguro Digital Ltd. (PAGS) trades at 1. 2x forward P/E versus 1. 9x for Inter & Co, Inc. — 0. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for INTR: 53. 1% to $12. 00.

All stocks in this comparison pay dividends.

PagSeguro Digital Ltd. (PAGS) offers the highest yield at 4. 0%, versus 0. 4% for Inter & Co, Inc. (INTR).

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%, INTR: +131. 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.

These companies operate in different sectors (INTR (Financial Services) and PAGS (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: INTR is a small-cap high-growth stock; PAGS is a small-cap deep-value stock. PAGS pays a dividend while INTR 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.