PAGS
PagSeguro Digital Ltd.
Software - Infrastructure
Market Cap$1.69B
5Y Perf.-68.8%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
PAGS vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$617.80B
5Y Perf.+64.9%
PAGS vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PAGS | V |
|---|---|---|
| Industry | Software - Infrastructure | Financial - Credit Services |
| Market Cap | $1.69B | $617.80B |
| Revenue (TTM) | $19.82B | $40.00B |
| Net Income (TTM) | $2.13B | $22.24B |
| Gross Margin | 50.8% | 80.4% |
| Operating Margin | 37.5% | 60.0% |
| Forward P/E | 1.1x | 24.6x |
| Total Debt | $34.86B | $25.17B |
| Cash & Equiv. | $1.86B | $20.15B |
PAGS vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PAGS
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| PagSeguro Digital L… (PAGS) | 100 | 31.2 | -68.8% |
| Visa Inc. (V) | 100 | 164.9 | +64.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PAGS vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. PagSeguro Digital Ltd. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
PAGS
PagSeguro Digital Ltd.
The Value Pick
PAGS is the clearest fit if your priority is valuation efficiency and defensive.
- PEG 0.09 vs V's 1.56
- Beta 1.70, yield 4.1%, current ratio 1.36x
- Lower P/E (1.1x vs 24.6x), PEG 0.09 vs 1.56
Best for: valuation efficiency and defensive
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 334.8% 10Y total return vs PAGS's -63.5%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs PAGS's 5.6% |
| Value | PAGS | Lower P/E (1.1x vs 24.6x), PEG 0.09 vs 1.56 |
| Quality / Margins | V | 50.1% margin vs PAGS's 10.7% |
| Stability / Safety | V | Beta 0.68 vs PAGS's 1.70, lower leverage |
| Dividends | PAGS | 4.1% yield, 2-year raise streak, vs V's 0.7% |
| Momentum (1Y) | PAGS | +11.4% vs V's -6.9% |
| Efficiency (ROA) | V | 22.7% ROA vs PAGS's 3.0%, ROIC 29.2% vs 10.7% |
PAGS vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
PAGS vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVLAGGINGPAGS
PAGSPagSeguro Digital Ltd.
1leads
VVisa Inc.
4leads
6 Total Categories
CATEGORYLEADERvs PAGSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
PAGS7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
V4/6
Risk & VolatilityBeta, volatility, and downside exposure
V2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
V is the larger business by revenue, generating $40.0B annually — 2.0x PAGS's $19.8B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to PAGS's 10.7%.
| Metric | PAGSPagSeguro Digital… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $19.8B | $40.0B |
| EBITDAEarnings before interest/tax | $8.8B | $27.6B |
| Net IncomeAfter-tax profit | $2.1B | $22.2B |
| Free Cash FlowCash after capex | $708M | $21.2B |
| Gross MarginGross profit ÷ Revenue | +50.8% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +37.5% | +60.0% |
| Net MarginNet income ÷ Revenue | +10.7% | +50.1% |
| FCF MarginFCF ÷ Revenue | +3.6% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.0% | — |
| EPS Growth (YoY)Latest quarter vs prior year | -8.4% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
PAGS leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 7.1x trailing earnings, PAGS trades at a 77% valuation discount to V's 31.6x P/E. Adjusting for growth (PEG ratio), PAGS offers better value at 0.58x vs V's 1.99x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | PAGSPagSeguro Digital… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $1.7B | $617.8B |
| Enterprise ValueMkt cap + debt − cash | $8.3B | $622.8B |
| Trailing P/EPrice ÷ TTM EPS | 7.11x | 31.57x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.12x | 24.65x |
| PEG RatioP/E ÷ EPS growth rate | 0.58x | 1.99x |
| EV / EBITDAEnterprise value multiple | 5.70x | 24.70x |
| Price / SalesMarket cap ÷ Revenue | 0.44x | 15.45x |
| Price / BookPrice ÷ Book value/share | 1.01x | 16.70x |
| Price / FCFMarket cap ÷ FCF | 5.43x | 28.63x |
PAGS leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
V leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $14 for PAGS. V carries lower financial leverage with a 0.66x 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 V's 5/9, reflecting strong financial health.
| Metric | PAGSPagSeguro Digital… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +14.4% | +58.9% |
| ROA (TTM)Return on assets | +3.0% | +22.7% |
| ROICReturn on invested capital | +10.7% | +29.2% |
| ROCEReturn on capital employed | +25.6% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 2.38x | 0.66x |
| Net DebtTotal debt minus cash | $33.0B | $5.0B |
| Cash & Equiv.Liquid assets | $1.9B | $20.2B |
| Total DebtShort + long-term debt | $34.9B | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 1.50x | 26.72x |
V leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
V leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,474 today (with dividends reinvested), compared to $2,475 for PAGS. Over the past 12 months, PAGS leads with a +11.4% total return vs V's -6.9%. The 3-year compound annual growth rate (CAGR) favors V at 12.4% vs PAGS's -0.3% — a key indicator of consistent wealth creation.
| Metric | PAGSPagSeguro Digital… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +6.3% | -6.9% |
| 1-Year ReturnPast 12 months | +11.4% | -6.9% |
| 3-Year ReturnCumulative with dividends | -1.0% | +41.8% |
| 5-Year ReturnCumulative with dividends | -75.2% | +44.7% |
| 10-Year ReturnCumulative with dividends | -63.5% | +334.8% |
| CAGR (3Y)Annualised 3-year return | -0.3% | +12.4% |
V leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
V leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 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. V currently trades 85.8% from its 52-week high vs PAGS's 80.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PAGSPagSeguro Digital… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.70x | 0.68x |
| 52-Week HighHighest price in past year | $12.32 | $375.51 |
| 52-Week LowLowest price in past year | $7.74 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +80.4% | +85.8% |
| RSI (14)Momentum oscillator 0–100 | 38.4 | 62.4 |
| Avg Volume (50D)Average daily shares traded | 3.7M | 7.0M |
V leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — PAGS and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates PAGS as "Buy" and V as "Buy". Consensus price targets imply 23.0% upside for PAGS (target: $12) vs 12.6% for V (target: $362). For income investors, PAGS offers the higher dividend yield at 4.11% vs V's 0.73%.
| Metric | PAGSPagSeguro Digital… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $12.18 | $362.45 |
| # AnalystsCovering analysts | 24 | 61 |
| Dividend YieldAnnual dividend ÷ price | +4.1% | +0.7% |
| Dividend StreakConsecutive years of raises | 2 | 15 |
| Dividend / ShareAnnual DPS | $2.03 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.2% |
Evenly matched — PAGS and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). PAGS leads in 1 (Valuation Metrics). 1 tied.
Best OverallVisa Inc. (V)Leads 4 of 6 categories
Loading custom metrics...
PAGS vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PAGS or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus 5. 6% for PagSeguro Digital Ltd. (PAGS). PagSeguro Digital Ltd. (PAGS) offers the better valuation at 7. 1x 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 V?
On trailing P/E, PagSeguro Digital Ltd.
(PAGS) is the cheapest at 7. 1x versus Visa Inc. at 31. 6x. On forward P/E, PagSeguro Digital Ltd. is actually cheaper at 1. 1x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: PagSeguro Digital Ltd. wins at 0. 09x versus Visa Inc. 's 1. 56x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — PAGS or V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +44. 7%, compared to -75. 2% for PagSeguro Digital Ltd. (PAGS). Over 10 years, the gap is even starker: V returned +334. 8% versus PAGS's -63. 5%. 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 V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus PagSeguro Digital Ltd. 's 1. 70β — meaning PAGS is approximately 150% more volatile than V relative to the S&P 500. On balance sheet safety, Visa Inc. (V) carries a lower debt/equity ratio of 66% versus 2% for PagSeguro Digital Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — PAGS or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus 5. 6% for PagSeguro Digital Ltd. (PAGS). On earnings-per-share growth, the picture is similar: PagSeguro Digital Ltd. grew EPS 5. 1% year-over-year, compared to 4. 8% for Visa Inc.. 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 V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 10. 7% for PagSeguro Digital Ltd. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 37. 5% for PAGS. At the gross margin level — before operating expenses — V leads at 80. 4%, 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 V more undervalued right now?
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, PagSeguro Digital Ltd. (PAGS) is the more undervalued stock at a PEG of 0. 09x versus Visa Inc. 's 1. 56x. 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. 1x forward P/E versus 24. 6x for Visa Inc. — 23. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PAGS: 23. 0% to $12. 18.
08Which pays a better dividend — PAGS or V?
All stocks in this comparison pay dividends.
PagSeguro Digital Ltd. (PAGS) offers the highest yield at 4. 1%, versus 0. 7% for Visa Inc. (V).
09Is PAGS or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +334. 8% 10Y return). PagSeguro Digital Ltd. (PAGS) carries a higher beta of 1. 70 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (V: +334. 8%, PAGS: -63. 5%), 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 V?
These companies operate in different sectors (PAGS (Technology) and V (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: PAGS is a small-cap deep-value stock; V is a large-cap quality compounder stock. 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(PAGS: 6.0% · V: 11.3%)Net Margin>
%
(PAGS: 10.7% · V: 50.1%)P/E Ratio<
x
(PAGS: 7.1x · V: 31.6x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.