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PagSeguro Digital Ltd(PAGS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PAGS
09/17/2026: PAGS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
PagSeguro Digital Ltd is a prominent Brazilian fintech company that operates a dual-engine model consisting of merchant payment services and a comprehensive digital banking platform known as PagBank. The company’s strength lies in its deep integration within the Brazilian small-business sector, offering hardware and financial tools that create strong customer loyalty. Its primary growth story revolves around cross-selling banking products to its established merchant base to diversify revenue. However, investors must consider risks such as intense competition from rivals like MercadoLibre, high exposure to Brazilian macroeconomic volatility, and credit quality challenges in its lending business. The stock best suits investors comfortable with emerging market risk and seeking exposure to the growth of digital financial services.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company operates in a high-growth market but faces significant competitive and macroeconomic pressures. |
| Momentum investor | Mixed fit | Momentum depends on positive shifts in Brazilian interest rates and successful expansion of the credit business. |
| Value investor | Strong fit | The stock often trades at low valuation multiples due to Brazil-specific risk and fintech sector sentiment. |
| Dividend investor | Weak fit | PagSeguro does not pay a regular dividend as it remains in a growth and reinvestment phase. |
| Low-risk investor | Weak fit | Emerging market exposure and high volatility make this stock unsuitable for conservative portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to swings in emerging market sentiment and local economic data. |
| Valuation risk | Medium | While multiples may look attractive, they reflect the inherent risks of the Brazilian fintech sector. |
| Competition risk (Fintech/Banking) | High | Intense rivalry from NU and MELI puts pressure on take rates and customer acquisition costs. |
| Business quality | Medium | The company has built a strong integrated ecosystem, but execution risk in credit remains. |
| Dividend income | Low / none | No dividend is currently offered, failing to provide income for shareholders. |
| Execution risk | Medium / high | Success relies on managing credit quality in an volatile economic climate. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -10.82% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.64B USD | Price to earnings Ratio 6.5 | 1Y Target Price 11.68 |
Price to earnings Ratio 6.5 | 1Y Target Price 11.68 | ||
Volume (30-day avg) 2.9M shares | Beta 1.27 | 52 Weeks Range 8.00 - 11.68 | Updated Date 09/17/2026 |
52 Weeks Range 8.00 - 11.68 | Updated Date 09/17/2026 | ||
Dividends yield (FY) 11.83% | Basic EPS (TTM) 1.47 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Merchant Payments | Transaction fees and rental/sale of POS terminals (Moderninha/Minizinha). | This is the core business; money is made every time a merchant processes a card payment. |
| Digital Banking (PagBank) | Interest on deposits, credit card fees, and financial services products. | The company is evolving into a bank, earning money from user balances and lending. |
| Geography: Brazil | All operations are concentrated in the Brazilian market. | The company's performance is tied directly to the Brazilian economy and consumer spending. |
Valuation
Trailing PE 6.5 | Forward PE 6.17 | Enterprise Value 10.50B | Price to Sales(TTM) 0.13 |
Enterprise Value 10.50B | Price to Sales(TTM) 0.13 | ||
Enterprise Value to Revenue 2.62 | Enterprise Value to EBITDA 6 | Shares Outstanding 155.19M | Shares Floating 140.51M |
Shares Outstanding 155.19M | Shares Floating 140.51M | ||
Percent Insiders 4.25 | Percent Institutions 74.97 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About PagSeguro Digital Ltd
Exchange NYSE | Headquarters São Paulo, SP, Brazil | ||
IPO Launch date 2018-01-24 | CEO - | ||
Sector Technology | Industry Software - Infrastructure | Full time employees - | Website https://pagbank.com.br |
Full time employees - | Website https://pagbank.com.br | ||
PagSeguro Digital Ltd., together with its subsidiaries, provides financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company provides digital banking solutions, including bill payments, deposits, top-ups, debt management, direct deposits, pix, tax collections, tax collections, wire transfer, and ATM withdrawal; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. It offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as recommendation from our distribution team, financial education, stocks and REITs, investment, PagBank CD, Third-party fixed income, treasury, automatic savings and money boxes; and operates cashback and Shopping PagBank, a marketplace for various brands. In addition, it provides software solutions comprising PagVendas, a POS software app; ClubPag, a marketing tool that allows merchants to advertise across client base, available for POS devices; PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology; and Envio Fácil, a logistics solution for online sales. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
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