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Upturn AI SWOT - About
PAGS 
PagSeguro Digital Ltd (PAGS)
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Upturn Advisory Summary
06/27/2025: PAGS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
17 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $11.11
Year Target Price $11.11
| 7 | Strong Buy |
| 3 | Buy |
| 6 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.29% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.80B USD | Price to earnings Ratio 7.63 | 1Y Target Price 11.14 |
Price to earnings Ratio 7.63 | 1Y Target Price 11.14 | ||
Volume (30-day avg) - | Beta 1.58 | 52 Weeks Range 6.01 - 14.59 | Updated Date 06/29/2025 |
52 Weeks Range 6.01 - 14.59 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.49% | Basic EPS (TTM) 1.23 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.46% | Operating Margin (TTM) 35.76% |
Management Effectiveness
Return on Assets (TTM) 6.12% | Return on Equity (TTM) 15.04% |
Valuation
Trailing PE 7.63 | Forward PE 6.9 | Enterprise Value 9490633941 | Price to Sales(TTM) 0.15 |
Enterprise Value 9490633941 | Price to Sales(TTM) 0.15 | ||
Enterprise Value to Revenue 2.76 | Enterprise Value to EBITDA 6.38 | Shares Outstanding 178218000 | Shares Floating 149911510 |
Shares Outstanding 178218000 | Shares Floating 149911510 | ||
Percent Insiders 0.35 | Percent Institutions 67.65 |
Analyst Ratings
Rating 3.88 | Target Price 11.11 | Buy 3 | Strong Buy 7 |
Buy 3 | Strong Buy 7 | ||
Hold 6 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
PagSeguro Digital Ltd
Company Overview
History and Background
PagSeguro Digital Ltd. (NYSE: PAGS) was founded in 2006 in Brazil as an online payments platform. It is part of Universo Online (UOL), a Brazilian internet company. It aimed to simplify online transactions for merchants and consumers in Brazil. Over time, it has expanded its services to include digital banking and other financial solutions.
Core Business Areas
- Digital Payment Solutions: Offers a wide range of payment solutions for online and in-person transactions, including payment processing, digital wallets, and prepaid cards.
- Digital Banking Services: Provides digital banking accounts, loans, and other financial services to merchants and consumers.
- Point-of-Sale (POS) Solutions: Offers a variety of POS devices for merchants to accept card payments in physical stores.
Leadership and Structure
The company's key leaders include Ricardo Dutra (CEO) and Artur Schunck (CFO). PagSeguro is structured with various departments focusing on technology, sales, marketing, and operations. It reports to its parent company, UOL.
Top Products and Market Share
Key Offerings
- PagBank: A digital banking platform offering checking accounts, credit cards, and other financial services. Competition comes from Nubank, Banco Inter, and other fintech companies. PagBank has approximately 30.3 million active clients.
- PagSeguro Payment Platform: Enables merchants to accept online and in-person payments through various methods, including credit cards, debit cards, and Boleto Bancu00e1rio. Competitors include StoneCo, Cielo, and Getnet.
- Moderninha POS Devices: Point-of-sale devices for merchants to accept card payments in physical stores. Competition comes from Cielo, StoneCo, and Rede.
Market Dynamics
Industry Overview
The fintech industry in Brazil is experiencing rapid growth, driven by increasing internet penetration, mobile adoption, and a large unbanked population. The market is highly competitive, with both established players and new entrants vying for market share.
Positioning
PagSeguro is a leading player in the Brazilian fintech market, known for its comprehensive suite of payment and financial solutions targeting small and medium-sized businesses (SMBs) and individual entrepreneurs. Its competitive advantages include its established brand, extensive distribution network, and integrated platform.
Total Addressable Market (TAM)
The TAM for digital payments and financial services in Brazil is estimated to be in the hundreds of billions of dollars. PagSeguro is well-positioned to capture a significant portion of this market with its wide range of services and large customer base.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Brazil
- Comprehensive suite of payment and financial solutions
- Large and growing customer base
- Extensive distribution network
- Integrated platform
Weaknesses
- Concentration in the Brazilian market
- Exposure to macroeconomic risks in Brazil
- Competition from other fintech companies
- Regulatory risks in the financial services industry
Opportunities
- Expanding into new markets in Latin America
- Launching new products and services
- Increasing penetration of digital banking services
- Acquiring other fintech companies
Threats
- Increased competition from established players and new entrants
- Economic downturn in Brazil
- Changes in regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- STNE
- CIEL3.SA
- MELI
Competitive Landscape
PagSeguro competes with a variety of players, including established payment processors, fintech companies, and traditional banks. Its strengths include its comprehensive platform and large customer base, while its weaknesses include its concentration in the Brazilian market and exposure to macroeconomic risks.
Major Acquisitions
Wirecard Brazil
- Year: 2020
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded PagSeguro's client portfolio and infrastructure, especially in the online payments sector. The deal allowed PagSeguro to absorb Wirecard's Brazilian operations following Wirecard's insolvency in Germany.
Growth Trajectory and Initiatives
Historical Growth: PagSeguro has experienced significant growth in revenue and customer base over the past several years, driven by the increasing adoption of digital payments and financial services in Brazil.
Future Projections: Analyst estimates suggest continued growth for PagSeguro, driven by its expansion into new markets and products. Projection data is dependent on analysis consensus.
Recent Initiatives: Recent initiatives include launching new digital banking products, expanding its POS network, and investing in technology.
Summary
PagSeguro is a strong player in the Brazilian fintech market, benefiting from its comprehensive platform and large customer base. The company faces challenges related to competition and macroeconomic risks in Brazil. The firm's ongoing expansion into new products and markets should help to strengthen its long-term growth prospects. Regulatory concerns and economic instability in Brazil present the most significant threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
- PagSeguro Investor Relations
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share percentages are estimates and may not reflect precise figures.
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.
About PagSeguro Digital Ltd
Exchange NYSE | Headquaters 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, engages in the provision of financial and payment solutions for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. It provides digital banking solutions, including deposits, top-ups, debt management services, tax collections, wire transfers, ATM withdrawals, and various online and point-of-sale (POS) payment solutions; cards, such as debit, credit, cash, and prepaid cards; and credit products comprising FGTS withdrawals, payroll loans, working capital loans, and overdraft accounts. The company offers insurance services, including account, card, home, business, health assistance, life, and credit life insurance; investment services, such as investment and portfolio advisory, financial education, brokerage, fund management, treasury, and research services; and operates 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; and PlugPag, a wireless solution that connects the machine to the commercial automation system, via Bluetooth technology. The company was founded in 2006 and is headquartered in São Paulo, Brazil.
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