PagSeguro Digital Ltd.(PAGS)Earnings, Financials & Key Ratios
PAGS•NYSE
$10.41
$1.78B mkt cap·7.4× P/E·Price updated May 6, 2026
AboutPagSeguro Digital Ltd., together with its subsidiaries, provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company's products and services include PagSeguro Ecosystem, a digital ecosystem that operates as a closed loop where its clients are able to address their primary day to day financial needs, including receiving and spending funds, and managing and growing their businesses; PagBank digital account, which offers banking services through the PagBank mobile app, as well as centralizes various cash-in options, functionalities, services, and cash-out options in a single ecosystem; and PlugPag, a tool for medium-sized and larger merchants that enables them to connect their point of sale (POS) device directly to their enterprise resource planning software or sales automation system through Bluetooth. It also offers cash-in solutions; online and in-person payment tools; and online gaming and cross-border digital services, as well as issues prepaid, credit, and cash cards. In addition, the company provides functionalities, and value-added services and features, such as purchase protection mechanisms, antifraud platform, account and business management tools, and POS app; and operates an online platform that facilitates peer-to-peer lending. Further, it is involved in processing of back-office solutions, including sales reconciliation, and gateway solutions and services, as well as the capture of credit cards with acquirers and sub acquirers. The company was founded in 2006 and is headquartered in São Paulo, Brazil.Show more
- Revenue$19.36B+5.6%
- EBITDA$7.27B-3.6%
- Net Income$2.08B-1.9%
- EPS (Diluted)6.96+5.1%
- Gross Margin50.58%+5.5%
- EBITDA Margin37.54%-8.7%
- Operating Margin37.54%+15.5%
- Net Margin10.73%-7.1%
- ROE14.18%-6.5%
- ROIC10.68%-3.1%
- Debt/Equity2.38-14.0%
- Interest Coverage1.42-10.9%
PAGS Key Insights
PagSeguro Digital Ltd. (PAGS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 23.7%
- ✓Healthy dividend yield of 4.0%
- ✓Share count reduced 6.8% through buybacks
- ✓Healthy 5Y average net margin of 10.8%
✗Weaknesses
- ✗High debt to equity ratio of 2.4x
- ✗Low asset turnover indicates capital-intensive operations
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
PAGS Price & Volume
PagSeguro Digital Ltd. (PAGS) stock price & volume — 10-year historical chart
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PAGS Growth Metrics
PagSeguro Digital Ltd. (PAGS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years40.1%
5 Years23.69%
3 Years8.49%
TTM8.12%
Profit CAGR
10 Years50.39%
5 Years9.96%
3 Years11.34%
TTM0.45%
EPS CAGR
10 Years48.89%
5 Years12.17%
3 Years15.05%
TTM7.53%
Return on Capital
10 Years52.6%
5 Years47.21%
3 Years26.25%
Last Year25.6%
PAGS Recent Earnings
PagSeguro Digital Ltd. (PAGS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (82%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Mar 4, 2026EPS
$0.43
Est $0.42
+2.4%
Revenue
$983M
Est $957M
+2.7%
Q4 2025
Nov 12, 2025EPS
$0.36
Est $0.36
-0.1%
Revenue
$921M
Est $953M
-3.3%
Q3 2025
Aug 14, 2025EPS
$0.34
Est $0.31
+9.7%
Revenue
$900M
Est $936M
-3.8%
Q2 2025
May 14, 2025EPS
$0.31
Est $0.29
+6.9%
Revenue
$807M
Est $897M
-10.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 4, 2026 | $0.43vs $0.42+2.4% | $983Mvs $957M+2.7% |
| Q4 2025 | Nov 12, 2025 | $0.36vs $0.36-0.1% | $921Mvs $953M-3.3% |
| Q3 2025 | Aug 14, 2025 | $0.34vs $0.31+9.7% | $900Mvs $936M-3.8% |
| Q2 2025 | May 14, 2025 | $0.31vs $0.29+6.9% | $807Mvs $897M-10.1% |
Based on last 12 quarters of dataView full earnings history →
PAGS Peer Comparison
PagSeguro Digital Ltd. (PAGS) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 STNE | 2.79B | 11.37 | 6.74 | -73.97% | 21.13% | 19.91% | 1.59 | |
 MELI | 93.34B | 1841.14 | 46.74 | 39.06% | 6.91% | 33.73% | 1.69 | |
 TOST | 14.81B | 28.31 | 50.55 | 24.05% | 5.56% | 16.1% | 0.02 | |
 GPN | 16.48B | 69.62 | 11.94 | -23.75% | -7.99% | -2.97% | 0.92 | |
 FOUR | 3.93B | 42.90 | 14.16 | 29.86% | 5.02% | 8.73% | 2.83 | |
 PAYO | 1.68B | 4.86 | 25.58 | 7.68% | 6.95% | 9.84% | 0.10 | |
 FLYW | 2.09B | 17.51 | 159.18 | 26.59% | 6.65% | 5.87% | ||
 RELY | 5B | 23.73 | 76.55 | 29.37% | 6.12% | 12.66% | 0.25 |
Compare PAGS vs Peers
PagSeguro Digital Ltd. (PAGS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PAGS Income Statement
PagSeguro Digital Ltd. (PAGS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 2.51B | 4.06B | 5.58B | 6.69B | 10.3B | 15.16B | 15.68B | 18.33B | 19.36B |
| Revenue Growth % | 121.95% | 61.29% | 37.59% | 19.8% | 54.04% | 47.19% | 3.44% | 16.92% | 5.57% |
| Cost of Goods Sold | 1.32B | 2.14B | 2.76B | 3.77B | 5.78B | 7.47B | 8.13B | 9.54B | 9.56B |
| COGS % of Revenue | 52.66% | 52.87% | 49.49% | 56.42% | 56.08% | 49.28% | 51.87% | 52.05% | 49.42% |
| Gross Profit | 1.19B▲ 0% | 1.91B▲ 60.6% | 2.82B▲ 47.5% | 2.91B▲ 3.4% | 4.52B▲ 55.2% | 7.69B▲ 70.0% | 7.55B▼ 1.8% | 8.79B▲ 16.5% | 9.79B▲ 11.4% |
| Gross Margin % | 47.34% | 47.13% | 50.51% | 43.58% | 43.92% | 50.72% | 48.13% | 47.95% | 50.58% |
| Gross Profit Growth % | 133.7% | 60.58% | 47.46% | 3.37% | 55.24% | 69.97% | -1.83% | 16.46% | 11.38% |
| Operating Expenses | 398.94M | 933.11M | 992.54M | 1.18B | 2.4B | 2.61B | 2.16B | 2.83B | 2.52B |
| OpEx % of Revenue | 15.86% | 23% | 17.78% | 17.67% | 23.32% | 17.25% | 13.79% | 15.45% | 13.04% |
| Selling, General & Admin | 398.94M | 933.11M | 992.54M | 1.18B | 2.4B | 2.61B | 2.16B | 2.83B | 2.52B |
| SG&A % of Revenue | 15.86% | 23% | 17.78% | 17.67% | 23.32% | 17.25% | 13.79% | 15.45% | 13.04% |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | 791.49M▲ 0% | 978.44M▲ 23.6% | 1.83B▲ 86.6% | 1.73B▼ 5.1% | 2.12B▲ 22.5% | 5.07B▲ 139.1% | 5.39B▲ 6.1% | 5.96B▲ 10.6% | 7.27B▲ 22.0% |
| Operating Margin % | 31.47% | 24.12% | 32.72% | 25.91% | 20.6% | 33.47% | 34.34% | 32.5% | 37.54% |
| Operating Income Growth % | 251.8% | 23.62% | 86.64% | -5.13% | 22.48% | 139.1% | 6.14% | 10.65% | 21.95% |
| EBITDA | 843.06M | 1.07B | 1.95B | 2.11B | 2.89B | 6.19B | 6.74B | 7.54B | 7.27B |
| EBITDA Margin % | 33.52% | 26.47% | 35.02% | 31.54% | 28.06% | 40.81% | 42.99% | 41.13% | 37.54% |
| EBITDA Growth % | 229.03% | 27.37% | 82.02% | 7.89% | 37.07% | 114.06% | 8.95% | 11.87% | -3.64% |
| D&A (Non-Cash Add-back) | 51.57M | 95.36M | 128.35M | 376.33M | 768.59M | 1.11B | 1.36B | 1.58B | 0 |
| EBIT | 779.52M | 970.39M | 1.83B | 1.73B | 2.12B | 5.07B | 5.29B | 5.96B | 7.27B |
| Net Interest Income | -104.54M | -29.73M | 108.84M | 19.36M | -641.14M | -2.98B | -3B | -3.27B | -5.13B |
| Interest Income | 31.57M | 0 | 108.84M | 128.59M | 149.49M | 175.77M | 268.11M | 475.92M | 0 |
| Interest Expense | 95.97M | 29.73M | 0 | 109.23M | 790.63M | 3.15B | 3.27B | 3.75B | 5.13B |
| Other Income/Expense | -107.99M | 239.18M | 86.36M | 42.27M | -633.84M | -3.31B | -3.37B | -3.58B | -4.77B |
| Pretax Income | 683.5M▲ 0% | 1.22B▲ 78.1% | 1.91B▲ 57.1% | 1.77B▼ 7.2% | 1.49B▼ 16.2% | 1.76B▲ 18.2% | 2.02B▲ 14.7% | 2.38B▲ 18.0% | 2.5B▲ 5.0% |
| Pretax Margin % | 27.18% | 30.02% | 34.27% | 26.54% | 14.45% | 11.61% | 12.86% | 12.98% | 12.91% |
| Income Tax | 204.71M | 307.21M | 545.51M | 482.39M | 321.74M | 254.55M | 363.42M | 263.56M | 422.6M |
| Effective Tax Rate % | 29.95% | 25.23% | 28.52% | 27.18% | 21.62% | 14.47% | 18.02% | 11.07% | 16.91% |
| Net Income | 478.78M▲ 0% | 909.27M▲ 89.9% | 1.37B▲ 50.2% | 1.29B▼ 5.4% | 1.17B▼ 9.7% | 1.5B▲ 29.0% | 1.65B▲ 9.9% | 2.12B▲ 28.0% | 2.08B▼ 1.9% |
| Net Margin % | 19.04% | 22.42% | 24.47% | 19.32% | 11.32% | 9.93% | 10.55% | 11.54% | 10.73% |
| Net Income Growth % | 276.44% | 89.91% | 50.19% | -5.41% | -9.72% | 29.04% | 9.9% | 27.98% | -1.87% |
| Net Income (Continuing) | 478.79M | 910.41M | 1.37B | 1.29B | 1.17B | 1.5B | 1.65B | 2.12B | 2.08B |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 3.5M | 23.81M | 5.56M | 2.33M | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 1.83▲ 0% | 2.86▲ 56.3% | 4.15▲ 45.1% | 3.92▼ 5.5% | 3.51▼ 10.5% | 4.57▲ 30.2% | 5.10▲ 11.6% | 6.62▲ 29.8% | 6.96▲ 5.1% |
| EPS Growth % | 281.25% | 56.28% | 45.1% | -5.54% | -10.46% | 30.2% | 11.6% | 29.8% | 5.14% |
| EPS (Basic) | 1.83 | 2.86 | 4.16 | 3.92 | 3.53 | 4.60 | 5.10 | 6.70 | 7.01 |
| Diluted Shares Outstanding | 315.14M | 318.13M | 329.26M | 329.81M | 332.17M | 329.23M | 323.96M | 319.51M | 297.87M |
| Basic Shares Outstanding | 315.14M | 317.65M | 328.17M | 329.29M | 330.31M | 327.11M | 323.95M | 319.51M | 295.2M |
| Dividend Payout Ratio | 11.34% | - | - | - | - | - | - | - | - |
PAGS Balance Sheet
PagSeguro Digital Ltd. (PAGS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 4.03B | 11.04B | 3.37B | 3.71B | 4.8B | 39.77B | 48.73B | 64.62B | 64.9B |
| Cash & Short-Term Investments | 276.87M | 2.76B | 684.52M | 504.39M | 462.66M | 2.93B | 6.21B | 1.42B | 6.72B |
| Cash Only | 66.77M | 2.76B | 349.01M | 315.75M | 322.15M | 1.83B | 2.9B | 927.67M | 1.86B |
| Short-Term Investments | 210.1M | 0 | 335.51M | 188.64M | 140.51M | 1.1B | 3.31B | 487.92M | 4.86B |
| Accounts Receivable | 0 | 2.09B | 2.67B | 3.2B | 4.33B | 36.82B | 40.69B | 58.38B | 58.18B |
| Days Sales Outstanding | - | 187.77 | 174.5 | 174.43 | 153.29 | 886.58 | 947.21 | 1.16K | 1.1K |
| Inventory | 61.61M | 88.55M | 15.4M | 5.86M | 8.89M | 13.28M | 33.54M | 1.64M | 0 |
| Days Inventory Outstanding | 16.98 | 15.07 | 2.03 | 0.57 | 0.56 | 0.65 | 1.51 | 0.06 | - |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 3.25B | 4.82B | 4.92M |
| Total Non-Current Assets | 207.8M | 375.2M | 257M | 592.44M | 782.13M | 5.56B | 6.38B | 8.28B | 9.47B |
| Property, Plant & Equipment | 10.89M | 67.1M | 99.43M | 347.04M | 410.96M | 2.49B | 2.45B | 2.57B | 2.54B |
| Fixed Asset Turnover | 230.95x | 60.45x | 56.13x | 19.27x | 25.06x | 6.08x | 6.39x | 7.13x | 7.63x |
| Goodwill | 23.69M | 40.57M | 13.64M | 32.66M | 37.69M | 209.91M | 227.07M | 227.07M | 0 |
| Intangible Assets | 40.82M | 68.46M | 132.92M | 183.66M | 258.58M | 1.95B | 2.34B | 2.7B | 2.94B |
| Long-Term Investments | 872K | 1.51M | 9.22M | 11.05M | 51.13M | 1.65M | -1.94M | 0 | 2.93B |
| Other Non-Current Assets | 111.06M | 227.64M | 1.79M | 1.98M | 2.1M | 808.91M | 1.26B | 2.69B | 745.18M |
| Total Assets | 4.24B▲ 0% | 11.42B▲ 169.5% | 3.62B▼ 68.2% | 4.3B▲ 18.6% | 5.58B▲ 29.8% | 45.33B▲ 712.5% | 55.11B▲ 21.6% | 72.9B▲ 32.3% | 74.37B▲ 2.0% |
| Asset Turnover | 0.59x | 0.36x | 1.54x | 1.56x | 1.85x | 0.33x | 0.28x | 0.25x | 0.26x |
| Asset Growth % | 78.69% | 169.55% | -68.25% | 18.56% | 29.81% | 712.48% | 21.57% | 32.29% | 2.02% |
| Total Current Liabilities | 3.32B | 4.72B | 1.46B | 2.23B | 3.41B | 29.74B | 34.43B | 42.74B | 47.76B |
| Accounts Payable | 92.44M | 165.25M | 1.39B | 2.02B | 2.57B | 449.1M | 513.92M | 663.23M | 11.44B |
| Days Payables Outstanding | 25.48 | 28.12 | 184.12 | 195.51 | 162.68 | 21.94 | 23.07 | 25.37 | 436.52 |
| Short-Term Debt | 0 | 0 | 0 | 112.59M | 732.12M | 10.1B | 11.55B | 29.23B | 34.8B |
| Deferred Revenue (Current) | 0 | 0 | 0 | 35.85M | 29.19M | 126.04M | 128.46M | 128.85M | 0 |
| Other Current Liabilities | 19.89M | 27.66M | 48.43M | 31.25M | 41.76M | 100.01M | 21.52B | 365.79M | 1.51B |
| Current Ratio | 1.21x | 2.34x | 2.30x | 1.66x | 1.41x | 1.34x | 1.42x | 1.51x | 1.36x |
| Quick Ratio | 1.20x | 2.32x | 2.29x | 1.66x | 1.40x | 1.34x | 1.41x | 1.51x | 1.36x |
| Cash Conversion Cycle | - | 174.72 | -7.58 | -20.51 | -8.82 | 865.29 | 925.65 | 1.14K | - |
| Total Non-Current Liabilities | 46.4M | 123.62M | 167.61M | 273.84M | 281.99M | 3.75B | 7.44B | 15.49B | 11.98B |
| Long-Term Debt | 0 | 0 | 0 | 37.37M | 13.92M | 1.89B | 4.82B | 11.41B | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 11.4M | 9.25M | 0 | 81.09M | 0 | 59.67M |
| Deferred Tax Liabilities | 42.81M | 123.62M | 156.85M | 218.05M | 249.87M | 1.56B | 0 | 1.79B | 1.79B |
| Other Non-Current Liabilities | 3.59M | 2K | 10.76M | 1.76M | 5.84M | 270.44M | 2.51B | 2.27B | 10.13B |
| Total Liabilities | 3.37B | 4.84B | 1.63B | 2.5B | 3.69B | 33.49B | 41.87B | 58.23B | 59.74B |
| Total Debt | 0 | 0 | 0 | 161.36M | 755.3M | 12B | 16.38B | 40.64B | 34.86B |
| Net Debt | -66.77M | -2.76B | -349.01M | -154.39M | 433.15M | 10.17B | 13.48B | 39.71B | 33B |
| Debt / Equity | - | - | - | 0.09x | 0.40x | 1.01x | 1.24x | 2.77x | 2.38x |
| Debt / EBITDA | - | - | - | 0.08x | 0.26x | 1.94x | 2.43x | 5.39x | 4.80x |
| Net Debt / EBITDA | -0.08x | -2.57x | -0.18x | -0.07x | 0.15x | 1.64x | 2.00x | 5.27x | 4.54x |
| Interest Coverage | 8.25x | 32.91x | - | 15.86x | 2.68x | 1.61x | 1.65x | 1.59x | 1.42x |
| Total Equity | 870.39M▲ 0% | 6.57B▲ 655.3% | 1.99B▼ 69.7% | 1.8B▼ 9.9% | 1.89B▲ 5.0% | 11.84B▲ 528.1% | 13.24B▲ 11.8% | 14.67B▲ 10.8% | 14.63B▼ 0.2% |
| Equity Growth % | 38.85% | 655.34% | -69.69% | -9.87% | 5% | 528.07% | 11.81% | 10.78% | -0.25% |
| Book Value per Share | 2.76 | 20.67 | 6.05 | 5.44 | 5.68 | 35.97 | 40.87 | 45.91 | 49.12 |
| Total Shareholders' Equity | 866.89M | 6.55B | 1.99B | 1.79B | 1.89B | 11.84B | 13.24B | 14.67B | 14.63B |
| Common Stock | 524.58M | 26K | 6.46K | 5.01K | 4.67K | 26K | 26K | 26K | 0 |
| Retained Earnings | 103.34M | 909.27M | 565.51M | 686.64M | 849.66M | 6.24B | 7.89B | 10.01B | 11.32B |
| Treasury Stock | 0 | -39.53M | -10.26M | -2.62M | -51.17M | -475.35M | -760.32M | -1.37B | 0 |
| Accumulated OCI | 342.32M | 5.68B | 1.43B | 1.11B | 1.09B | 6.1B | 6.13B | 6.05B | 0 |
| Minority Interest | 3.5M | 23.81M | 5.56M | 2.33M | 0 | 0 | 0 | 0 | 0 |
PAGS Cash Flow Statement
PagSeguro Digital Ltd. (PAGS) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 471.3M | -1.87B | 489.08M | 2.15B | 898.01M | 3.55B | 4B | -3.42B | 2.57B |
| Operating CF Margin % | 18.74% | -46.08% | 8.76% | 32.2% | 8.72% | 23.41% | 25.51% | -18.63% | 13.3% |
| Operating CF Growth % | 555.64% | -496.57% | 126.17% | 340.14% | -58.28% | 295.2% | 12.7% | -185.41% | 175.34% |
| Net Income | 497.45M | 963.85M | 1.39B | 1.77B | 1.49B | 1.76B | 2.02B | 2.38B | 2.08B |
| Depreciation & Amortization | 53.58M | 101.09M | 130.88M | 376.33M | 768.59M | 1.13B | 1.36B | 1.6B | 0 |
| Stock-Based Compensation | 0 | 68.24M | 23.23M | 122.87M | 370.63M | 127.39M | 144.62M | 178.69M | 0 |
| Deferred Taxes | 0 | 0 | 0 | -84.29M | -4.64M | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 800.28M | 5.14B | 3.61B | 533.55M | 2.05B | 4.53B | 3.97B | 3.49B | 8.21B |
| Working Capital Changes | -380.86M | -3.84B | -2.24B | -570.49M | -3.78B | -4B | -3.49B | -11.06B | -7.72B |
| Change in Receivables | -2.16B | -5.38B | -3.28B | -5.83B | -9.4B | -17.67B | -10.5B | -21.69B | 0 |
| Change in Inventory | -42.17M | -49.83M | 14.5M | 31.6M | -132.4M | 36.26M | -19.71M | 5.22M | 0 |
| Change in Payables | 1.81B | 1.4B | 1.11B | 72.33M | 243.59M | -133.85M | 3.4B | 148.6M | 0 |
| Cash from Investing | -215.31M | -30.75M | -1.87B | -1.86B | -1.47B | -2.18B | -2.7B | -1.83B | -2.25B |
| Capital Expenditures | -111.74M | -268.83M | -707.09M | -1.52B | -972.27M | -1.1B | -951.56M | -1.13B | -2.23B |
| CapEx % of Revenue | 4.44% | 6.63% | 12.67% | 22.78% | 9.44% | 7.23% | 6.07% | 6.17% | 11.53% |
| Acquisitions | -23.09M | 14.29M | -34.62M | -345.6M | -43.37M | 0 | -31.31M | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - | - |
| Other Investing | -53.48M | 4.93M | -367.97M | -523.78M | -455.31M | -1.09B | -1.72B | -698.21M | -22.48M |
| Cash from Financing | -269.71M | 4.76B | -1.77M | -55.06M | 727.24M | -1.33B | -225.99M | 3.27B | -443.29M |
| Debt Issued (Net) | -199.48M | 0 | 0 | 0 | 996.94M | -981.32M | 183.03M | 4.14B | 0 |
| Equity Issued (Net) | 0 | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K |
| Dividends Paid | -56.39M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -604.93M |
| Share Repurchases | 0 | -39.53M | -1.74M | -44.77M | -257.99M | -291.44M | -399.41M | -784.46M | 0 |
| Other Financing | -5.83M | -174.56M | -16.21M | -10.29M | -11.71M | -56.93M | -9.61M | -81.99M | 1.47B |
| Net Change in Cash | -13.2M▲ 0% | 2.7B▲ 20523.3% | -1.36B▼ 150.4% | 236.11M▲ 117.4% | 154.3M▼ 34.7% | 34.73M▼ 77.5% | 1.07B▲ 2980.4% | -1.97B▼ 284.2% | 1.03B▲ 152.5% |
| Free Cash Flow | 359.56M▲ 0% | -2.14B▼ 694.6% | -218.01M▲ 89.8% | 106.11M▲ 148.7% | -853.82M▼ 904.7% | 1.41B▲ 265.4% | 2.01B▲ 42.4% | -5.74B▼ 385.2% | 1.55B▲ 127.1% |
| FCF Margin % | 14.3% | -52.71% | -3.91% | 1.59% | -8.29% | 9.32% | 12.83% | -31.29% | 8.03% |
| FCF Growth % | 8273.48% | -694.57% | 89.8% | 148.67% | -904.66% | 265.44% | 42.39% | -385.22% | 127.09% |
| FCF per Share | 1.14 | -6.72 | -0.66 | 0.32 | -2.57 | 4.29 | 6.21 | -17.96 | 5.22 |
| FCF Conversion (FCF/Net Income) | 0.98x | -2.06x | 0.36x | 1.67x | 0.77x | 2.36x | 2.42x | -1.61x | 1.24x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PAGS Key Ratios
PagSeguro Digital Ltd. (PAGS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 23.36% | 63.95% | 24.43% | 31.88% | 68.19% | 63.35% | 21.92% | 13.19% | 15.17% | 14.18% |
| Return on Invested Capital (ROIC) | 27.96% | 76.31% | 31.8% | 50.22% | 79.11% | 80.37% | 31.28% | 16.58% | 11.02% | 10.68% |
| Gross Margin | 44.96% | 47.34% | 47.13% | 50.51% | 43.58% | 43.92% | 50.72% | 48.13% | 47.95% | 50.58% |
| Net Margin | 11.23% | 19.04% | 22.42% | 24.47% | 19.32% | 11.32% | 9.93% | 10.55% | 11.54% | 10.73% |
| Debt / Equity | 0.33x | - | - | - | 0.09x | 0.40x | 1.01x | 1.24x | 2.77x | 2.38x |
| Interest Coverage | 3.57x | 8.25x | 32.91x | - | 15.86x | 2.68x | 1.61x | 1.65x | 1.59x | 1.42x |
| FCF Conversion | 0.57x | 0.98x | -2.06x | 0.36x | 1.67x | 0.77x | 2.36x | 2.42x | -1.61x | 1.24x |
| Revenue Growth | 70.59% | 121.95% | 61.29% | 37.59% | 19.8% | 54.04% | 47.19% | 3.44% | 16.92% | 5.57% |
PAGS Frequently Asked Questions
PagSeguro Digital Ltd. (PAGS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
PagSeguro Digital Ltd. (PAGS) reported $19.82B in revenue for fiscal year 2025. This represents a 6017% increase from $324.1M in 2014.
PagSeguro Digital Ltd. (PAGS) grew revenue by 5.6% over the past year. This is steady growth.
Yes, PagSeguro Digital Ltd. (PAGS) is profitable, generating $2.13B in net income for fiscal year 2025 (10.7% net margin).
Dividend & Returns
Yes, PagSeguro Digital Ltd. (PAGS) pays a dividend with a yield of 3.95%. This makes it attractive for income-focused investors.
PagSeguro Digital Ltd. (PAGS) has a return on equity (ROE) of 14.2%. This is reasonable for most industries.
PagSeguro Digital Ltd. (PAGS) generated $707.6M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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PagSeguro Digital Ltd. (PAGS) financial analysis — history, returns, DCA and operating performance tools
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