PAGS
PagSeguro Digital Ltd.
Software - Infrastructure
Market Cap$1.73B
5Y Perf.-80.4%
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Stock Comparison
PAGS vs TOST vs FOUR vs RELY
Revenue, margins, valuation, and 5-year total return — side by side.
TOST
Toast, Inc.
Software - Infrastructure
Market Cap$17.02B
5Y Perf.-41.2%
FOUR
Shift4 Payments, Inc.
Software - Infrastructure
Market Cap$3.81B
5Y Perf.-39.6%
RELY
Remitly Global, Inc.
Software - Infrastructure
Market Cap$4.80B
5Y Perf.-37.9%
PAGS vs TOST vs FOUR vs RELY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PAGS | TOST | FOUR | RELY |
|---|---|---|---|---|
| Industry | Software - Infrastructure | Software - Infrastructure | Software - Infrastructure | Software - Infrastructure |
| Market Cap | $1.73B | $17.02B | $3.81B | $4.80B |
| Revenue (TTM) | $19.82B | $6.45B | $3.33B | $1.73B |
| Net Income (TTM) | $2.13B | $412M | $86M | $106M |
| Gross Margin | 50.8% | 26.2% | 35.2% | 43.6% |
| Operating Margin | 37.5% | 5.6% | 11.3% | 6.9% |
| Forward P/E | 1.1x | 23.7x | 8.4x | 44.1x |
| Total Debt | $34.86B | $40M | $4.62B | $220M |
| Cash & Equiv. | $1.86B | $1.35B | $964M | $542M |
PAGS vs TOST vs FOUR vs RELY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PAGS
TOST
FOUR
RELY
| Stock | Sep 21 | May 26 | Return |
|---|---|---|---|
| PagSeguro Digital L… (PAGS) | 100 | 19.6 | -80.4% |
| Toast, Inc. (TOST) | 100 | 58.8 | -41.2% |
| Shift4 Payments, In… (FOUR) | 100 | 60.4 | -39.6% |
| Remitly Global, Inc. (RELY) | 100 | 62.1 | -37.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PAGS vs TOST vs FOUR vs RELY
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. Remitly Global, Inc. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. TOST also leads in specific categories worth noting. As sector peers, any of these can serve as alternatives in the same allocation.
PAGS
PagSeguro Digital Ltd.
The Income Pick
PAGS carries the broadest edge in this set and is the clearest fit for income & stability.
- Dividend streak 2 yrs, beta 1.70, yield 4.1%
- Lower P/E (1.1x vs 44.1x)
- 10.7% margin vs FOUR's 2.6%
- 4.1% yield, 2-year raise streak, vs FOUR's 0.7%, (2 stocks pay no dividend)
Best for: income & stability
TOST
Toast, Inc.
The Niche Pick
TOST is the clearest fit if your priority is efficiency.
- 13.8% ROA vs FOUR's 1.0%, ROIC 30.8% vs 6.3%
Best for: efficiency
FOUR
Shift4 Payments, Inc.
The Long-Run Compounder
FOUR is the clearest fit if your priority is long-term compounding.
- 39.7% 10Y total return vs RELY's -53.0%
Best for: long-term compounding
RELY
Remitly Global, Inc.
The Growth Play
RELY is the #2 pick in this set and the best alternative if growth exposure and sleep-well-at-night is your priority.
- Rev growth 29.4%, EPS growth 263.2%, 3Y rev CAGR 35.8%
- Lower volatility, beta 1.19, Low D/E 25.4%, current ratio 3.30x
- Beta 1.19, current ratio 3.30x
- 29.4% revenue growth vs PAGS's 5.6%
Best for: growth exposure and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RELY | 29.4% revenue growth vs PAGS's 5.6% |
| Value | PAGS | Lower P/E (1.1x vs 44.1x) |
| Quality / Margins | PAGS | 10.7% margin vs FOUR's 2.6% |
| Stability / Safety | RELY | Beta 1.19 vs PAGS's 1.70, lower leverage |
| Dividends | PAGS | 4.1% yield, 2-year raise streak, vs FOUR's 0.7%, (2 stocks pay no dividend) |
| Momentum (1Y) | PAGS | +13.9% vs FOUR's -43.7% |
| Efficiency (ROA) | TOST | 13.8% ROA vs FOUR's 1.0%, ROIC 30.8% vs 6.3% |
PAGS vs TOST vs FOUR vs RELY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
FY 2025
FY 2025
PAGS vs TOST vs FOUR vs RELY — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPAGSLAGGINGFOUR
Who Leads Where
PAGS leads in 3 of 6 categories
TOST leads 1 • RELY leads 1 • FOUR leads 0 • 1 tied
Explore the data ↓FOURShift4 Payments, Inc.
0leads
RELYRemitly Global, Inc.
1leads
TOSTToast, Inc.
1leads
PAGSPagSeguro Digital Ltd.
3leads
6 Total Categories
CATEGORYLEADERvs TOSTvs RELYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PAGS3/6
Valuation MetricsMultiples, price ratios, and targets
PAGS6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TOST7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
RELY2/2
Analyst OutlookRatings, price targets, and dividends
PAGS2/2
Income & Cash Flow (Last 12 Months)
PAGS leads this category, winning 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PAGS is the larger business by revenue, generating $19.8B annually — 11.5x RELY's $1.7B. PAGS is the more profitable business, keeping 10.7% of every revenue dollar as net income compared to FOUR's 2.6%. On growth, RELY holds the edge at +25.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. | FOURShift4 Payments, … | RELYRemitly Global, I… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $19.8B | $6.4B | $3.3B | $1.7B |
| EBITDAEarnings before interest/tax | $8.8B | $409M | $629M | $149M |
| Net IncomeAfter-tax profit | $2.1B | $412M | $86M | $106M |
| Free Cash FlowCash after capex | $708M | $654M | $687M | $256M |
| Gross MarginGross profit ÷ Revenue | +50.8% | +26.2% | +35.2% | +43.6% |
| Operating MarginEBIT ÷ Revenue | +37.5% | +5.6% | +11.3% | +6.9% |
| Net MarginNet income ÷ Revenue | +10.7% | +6.4% | +2.6% | +6.1% |
| FCF MarginFCF ÷ Revenue | +3.6% | +10.1% | +20.6% | +14.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.0% | +21.9% | -100.0% | +25.2% |
| EPS Growth (YoY)Latest quarter vs prior year | -8.4% | +127.5% | -105.0% | +3.6% |
PAGS leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
PAGS leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 7.2x trailing earnings, PAGS trades at a 90% valuation discount to RELY's 73.5x P/E. On an enterprise value basis, PAGS's 5.7x EV/EBITDA is more attractive than TOST's 42.2x.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. | FOURShift4 Payments, … | RELYRemitly Global, I… |
|---|---|---|---|---|
| Market CapShares × price | $1.7B | $17.0B | $3.8B | $4.8B |
| Enterprise ValueMkt cap + debt − cash | $8.4B | $15.7B | $7.5B | $4.5B |
| Trailing P/EPrice ÷ TTM EPS | 7.20x | 52.43x | 43.39x | 73.52x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.14x | 23.69x | 8.41x | 44.06x |
| PEG RatioP/E ÷ EPS growth rate | 0.59x | — | — | — |
| EV / EBITDAEnterprise value multiple | 5.72x | 42.22x | 9.53x | 41.98x |
| Price / SalesMarket cap ÷ Revenue | 0.44x | 2.77x | 0.91x | 2.94x |
| Price / BookPrice ÷ Book value/share | 1.02x | 8.39x | 2.13x | 5.71x |
| Price / FCFMarket cap ÷ FCF | 5.50x | 27.99x | 7.63x | 16.24x |
PAGS leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
TOST leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
TOST delivers a 20.7% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $4 for FOUR. 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. On the Piotroski fundamental quality scale (0–9), PAGS scores 7/9 vs RELY's 5/9, reflecting strong financial health.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. | FOURShift4 Payments, … | RELYRemitly Global, I… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +14.4% | +20.7% | +4.4% | +12.7% |
| ROA (TTM)Return on assets | +3.0% | +13.8% | +1.0% | +8.1% |
| ROICReturn on invested capital | +10.7% | +30.8% | +6.3% | +14.2% |
| ROCEReturn on capital employed | +25.6% | +15.9% | +6.3% | +9.4% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 | 7 | 5 |
| Debt / EquityFinancial leverage | 2.38x | 0.02x | 2.36x | 0.25x |
| Net DebtTotal debt minus cash | $33.0B | -$1.3B | $3.7B | -$322M |
| Cash & Equiv.Liquid assets | $1.9B | $1.4B | $964M | $542M |
| Total DebtShort + long-term debt | $34.9B | $40M | $4.6B | $220M |
| Interest CoverageEBIT ÷ Interest expense | 1.50x | — | 3.40x | 16.25x |
TOST leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — TOST and FOUR each lead in 2 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FOUR five years ago would be worth $5,364 today (with dividends reinvested), compared to $2,510 for PAGS. Over the past 12 months, PAGS leads with a +13.9% total return vs FOUR's -43.7%. The 3-year compound annual growth rate (CAGR) favors TOST at 14.9% vs FOUR's -8.7% — a key indicator of consistent wealth creation.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. | FOURShift4 Payments, … | RELYRemitly Global, I… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | +8.6% | -13.7% | -25.2% | +72.4% |
| 1-Year ReturnPast 12 months | +13.9% | -17.4% | -43.7% | +8.1% |
| 3-Year ReturnCumulative with dividends | -3.9% | +51.7% | -24.0% | +25.4% |
| 5-Year ReturnCumulative with dividends | -74.9% | -53.0% | -46.4% | -53.0% |
| 10-Year ReturnCumulative with dividends | -62.7% | -53.0% | +39.7% | -53.0% |
| CAGR (3Y)Annualised 3-year return | -1.3% | +14.9% | -8.7% | +7.8% |
Evenly matched — TOST and FOUR each lead in 2 of 6 comparable metrics.
Risk & Volatility
RELY leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RELY is the less volatile stock with a 1.19 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. RELY currently trades 92.2% from its 52-week high vs FOUR's 43.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. | FOURShift4 Payments, … | RELYRemitly Global, I… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.70x | 1.44x | 1.51x | 1.19x |
| 52-Week HighHighest price in past year | $12.32 | $49.66 | $108.50 | $24.71 |
| 52-Week LowLowest price in past year | $7.74 | $24.35 | $39.91 | $12.08 |
| % of 52W HighCurrent price vs 52-week peak | +82.1% | +59.1% | +43.2% | +92.2% |
| RSI (14)Momentum oscillator 0–100 | 51.3 | 50.5 | 43.3 | 85.3 |
| Avg Volume (50D)Average daily shares traded | 3.7M | 9.9M | 2.2M | 3.4M |
RELY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
PAGS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: PAGS as "Buy", TOST as "Buy", FOUR as "Buy", RELY as "Buy". Consensus price targets imply 56.6% upside for FOUR (target: $73) vs -7.9% for RELY (target: $21). For income investors, PAGS offers the higher dividend yield at 4.05% vs FOUR's 0.72%.
| Metric | PAGSPagSeguro Digital… | TOSTToast, Inc. | FOURShift4 Payments, … | RELYRemitly Global, I… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | $12.18 | $39.76 | $73.36 | $21.00 |
| # AnalystsCovering analysts | 24 | 29 | 29 | 13 |
| Dividend YieldAnnual dividend ÷ price | +4.1% | — | +0.7% | — |
| Dividend StreakConsecutive years of raises | 2 | — | 1 | — |
| Dividend / ShareAnnual DPS | $2.03 | — | $0.34 | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.6% | +12.8% | +1.1% |
PAGS leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
PAGS leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). TOST leads in 1 (Profitability & Efficiency). 1 tied.
Best OverallPagSeguro Digital Ltd. (PAGS)Leads 3 of 6 categories
Loading custom metrics...
PAGS vs TOST vs FOUR vs RELY: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is PAGS or TOST or FOUR or RELY a better buy right now?
For growth investors, Remitly Global, Inc.
(RELY) is the stronger pick with 29. 4% revenue growth year-over-year, versus 5. 6% for PagSeguro Digital Ltd. (PAGS). PagSeguro Digital Ltd. (PAGS) offers the better valuation at 7. 2x trailing P/E (1. 1x 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 or FOUR or RELY?
On trailing P/E, PagSeguro Digital Ltd.
(PAGS) is the cheapest at 7. 2x versus Remitly Global, Inc. at 73. 5x. On forward P/E, PagSeguro Digital Ltd. is actually cheaper at 1. 1x.
03Which is the better long-term investment — PAGS or TOST or FOUR or RELY?
Over the past 5 years, Shift4 Payments, Inc.
(FOUR) delivered a total return of -46. 4%, compared to -74. 9% for PagSeguro Digital Ltd. (PAGS). Over 10 years, the gap is even starker: FOUR returned +39. 7% versus PAGS's -62. 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 or FOUR or RELY?
By beta (market sensitivity over 5 years), Remitly Global, Inc.
(RELY) is the lower-risk stock at 1. 19β versus PagSeguro Digital Ltd. 's 1. 70β — meaning PAGS is approximately 43% more volatile than RELY 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 or FOUR or RELY?
By revenue growth (latest reported year), Remitly Global, Inc.
(RELY) is pulling ahead at 29. 4% 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 -64. 4% for Shift4 Payments, Inc.. Over a 3-year CAGR, RELY leads at 35. 8% 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 or FOUR or RELY?
PagSeguro Digital Ltd.
(PAGS) is the more profitable company, earning 10. 7% net margin versus 2. 8% for Shift4 Payments, 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 — RELY leads at 57. 1%, 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 or FOUR or RELY more undervalued right now?
On forward earnings alone, PagSeguro Digital Ltd.
(PAGS) trades at 1. 1x forward P/E versus 44. 1x for Remitly Global, Inc. — 42. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FOUR: 56. 6% to $73. 36.
08Which pays a better dividend — PAGS or TOST or FOUR or RELY?
In this comparison, PAGS (4.
1% yield), FOUR (0. 7% yield) pay a dividend. TOST, RELY do not pay a meaningful dividend and should not be held primarily for income.
09Is PAGS or TOST or FOUR or RELY better for a retirement portfolio?
For long-horizon retirement investors, Shift4 Payments, Inc.
(FOUR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (0. 7% yield). Both have compounded well over 10 years (FOUR: +39. 7%, TOST: -53. 0%), 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 and FOUR and RELY?
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; FOUR is a small-cap high-growth stock; RELY is a small-cap high-growth stock. PAGS, FOUR pay a dividend while TOST, RELY do 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: 21.9%)Net Margin>
%
(PAGS: 10.7% · TOST: 6.4%)P/E Ratio<
x
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