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Upturn AI SWOT - About
PAGS 
PagSeguro Digital Ltd (PAGS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/29/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $11.45
1 Year Target Price $11.45
| 7 | Strong Buy |
| 3 | Buy |
| 6 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -12.03% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.77B USD | Price to earnings Ratio 7.25 | 1Y Target Price 11.45 |
Price to earnings Ratio 7.25 | 1Y Target Price 11.45 | ||
Volume (30-day avg) 17 | Beta 1.57 | 52 Weeks Range 5.85 - 11.02 | Updated Date 10/29/2025 |
52 Weeks Range 5.85 - 11.02 | Updated Date 10/29/2025 | ||
Dividends yield (FY) 1.45% | Basic EPS (TTM) 1.31 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.35% | Operating Margin (TTM) 36.83% |
Management Effectiveness
Return on Assets (TTM) 6.06% | Return on Equity (TTM) 15.17% |
Valuation
Trailing PE 7.25 | Forward PE 6.17 | Enterprise Value 10119743741 | Price to Sales(TTM) 0.14 |
Enterprise Value 10119743741 | Price to Sales(TTM) 0.14 | ||
Enterprise Value to Revenue 2.79 | Enterprise Value to EBITDA 6.39 | Shares Outstanding 171412036 | Shares Floating 159650816 |
Shares Outstanding 171412036 | Shares Floating 159650816 | ||
Percent Insiders 0.39 | Percent Institutions 70.47 |
Upturn AI SWOT
PagSeguro Digital Ltd
Company Overview
History and Background
PagSeguro Digital Ltd. was founded in 2006 in Brazil. It started as an online payment platform and has evolved into a comprehensive financial technology company offering a range of services to merchants and consumers.
Core Business Areas
- Payment Solutions: Offers online and point-of-sale payment processing for merchants, including credit and debit card processing, digital wallets, and installment payments.
- Digital Banking: Provides digital banking services to merchants and consumers, including accounts, cards, and lending products.
- Financial Services: Offers a range of financial services such as microcredit and insurance to its user base.
Leadership and Structure
The CEO of PagSeguro Digital Ltd. is Ricardo Dutra. The company has a structured organizational hierarchy with dedicated teams for technology, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- PagBank: A digital banking platform for individuals and businesses. Includes features such as digital accounts, credit cards, and investment options. Competitors include Nubank, Banco Inter, and PicPay. Market share information to be provided in Market Share Comparison section below.
- PagSeguro Payment Solutions: A suite of payment processing tools for merchants, including online checkouts, POS systems, and payment links. Competitors include StoneCo, Cielo, and GetNet. Market share information to be provided in Market Share Comparison section below.
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 competitive, with established players and new entrants vying for market share.
Positioning
PagSeguro Digital Ltd. is a leading player in the Brazilian fintech market, offering a comprehensive suite of payment and financial services. Its competitive advantages include a large user base, a strong brand reputation, and a diversified product portfolio.
Total Addressable Market (TAM)
The TAM for digital payments and financial services in Brazil is estimated to be worth billions of dollars annually and growing. PagSeguro is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Large and growing user base
- Diversified product portfolio
- Strong brand recognition
- Extensive distribution network
- Robust technology platform
Weaknesses
- High competition in the Brazilian fintech market
- Exposure to macroeconomic volatility in Brazil
- Regulatory uncertainty
- Dependence on Brazilian market for revenue
- High marketing and sales expenses
Opportunities
- Expanding into new product categories
- Increasing penetration of digital banking services
- Acquiring new customers through strategic partnerships
- Leveraging data analytics to improve customer experience
- Expanding into other Latin American markets
Threats
- Increased competition from existing players and new entrants
- Economic slowdown in Brazil
- Changes in regulatory environment
- Cybersecurity threats
- Technological disruptions
Competitors and Market Share
Key Competitors
- STNE
- CIEL3.SA
- GPN
Competitive Landscape
PagSeguro benefits from its established presence and diverse product portfolio, but it faces strong competition from StoneCo, Cielo, and other fintech companies. The company needs to continue innovating and investing in technology to maintain its competitive edge.
Major Acquisitions
Wirecard Brazil
- Year: 2020
- Acquisition Price (USD millions): 106
- Strategic Rationale: Expanded PagSeguro's merchant base and strengthened its position in the online payments market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data requires access to current financial statements, which is not available in real time.
Future Projections: Future projections require access to current financial estimates, which is not available in real time.
Recent Initiatives: Recent initiatives include expanding its digital banking services, launching new payment solutions, and forming strategic partnerships to reach new customers.
Summary
PagSeguro Digital Ltd. is a key player in Brazil's fintech sector, offering diverse payment solutions and digital banking services. It's growing its user base and expanding its product line, but faces strong competition and regulatory hurdles. The company's established brand and robust technology are strengths, but maintaining market share requires continuous innovation and strategic partnerships. The company needs to also be aware of the economy in Brazil and the increased competition as the country becomes more digitized.
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Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and financial data are approximate and based on available information. Investment decisions should be made based on individual research and consultation with a financial advisor.
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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