PagSeguro (PagBank) (NYSE: PAGS)

$9.04-1.20%today

Brazilian ADR trading on the NYSE, priced in US dollars. Key figures below are sourced from Yahoo Finance.

Market Cap: $2.53B
P/E (TTM): 6.5x
P/B: 0.9x
EPS (TTM): 1.40
Dividend Yield: 11.37%
52-Week Range: $7.74 – $12.32
Volume: 2.50M
Previous Close: $9.15

TTM = trailing twelve months — the most recent 12 months (a rolling window), used for P/E, EPS and dividends. On the tables and charts below, the in-progress current year appears as a “Last 12M” column labelled with the quarter range it covers.

Performance

Today

-1.20%

1 Week

-2.27%

1 Month

+2.49%

YTD

-6.22%

1 Year

+14.14%

5 Years

-82.26%

About PagSeguro (PagBank)

US Ticker: PAGS
B3 Ticker: —
Exchange: NYSE
Currency: USD
Sector: Technology
Industry: Software - Infrastructure
Headquarters: São Paulo, SP, Brazil
Employees: —
CEO: Mr. Carlos Mauad
Founded: 2006

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.

pagbank.com.br

Analyst Ratings

Consensus of 14 Wall Street analysts · sourced from Yahoo Finance

2.3Buy

On a 1–5 scale: 1 = Strong Buy, 3 = Hold, 5 = Sell. Lower is more bullish.

12-Month Price Target

Low

$7.40

Average

$11.90

High

$14.22

The average target is +31.68% above the current price of $9.04.

Display currency

Revenue, net debt and other totals below — switch between US dollars and BRL.

Financial Results

Revenue, EBITDA and net profit (in USD) with net margin (net profit ÷ revenue).

Financial Health

Margins, leverage and cash-flow quality derived from PagSeguro (PagBank)'s income statement, balance sheet and cash flow (absolute figures in USD).

ProfitabilityLeverageGrowth

Overall: Financially Solid

Net Margin: 10.8%
ROE: 14.9%
Rev Growth (YoY): +2.32%
Net Debt / EBITDA: 4.62×
Current Ratio: 1.43×
Interest Coverage: 1.50×
Free Cash Flow: 359.9M
Payout Ratio: 37.1%

Income — Margins & Efficiency

Metric	Last 12MQ2'25 – Q1'26	Δ	2025	Δ	2024	Δ	2023	Δ	2022	Δ	2021	Δ	2020	Δ	2019	Δ	2018	Δ	2017	Δ	2016	Δ	2015	Δ	2014
Revenue	$3,813,743,171	+7.9%	$3,534,465,323	+19.1%	$2,967,627,997	-8.2%	$3,232,915,756	+12.7%	$2,868,550,316	+55.1%	$1,848,987,649	+43.5%	$1,288,053,627	-7.3%	$1,389,742,688	+32.7%	$1,046,989,572	+37.9%	$759,508,623	+118.0%	$348,383,605	+107.5%	$167,861,096	+37.5%	$122,105,422
Gross profit	$1,950,286,203	+9.1%	$1,787,860,743	+25.7%	$1,422,877,353	-8.6%	$1,556,164,282	+7.0%	$1,454,839,723	+79.2%	$812,059,890	+44.7%	$561,331,415	-20.0%	$701,922,524	+42.3%	$493,404,574	+37.2%	$359,526,743	+129.6%	$156,621,775	+120.0%	$71,193,924	+4.1%	$68,421,310
Operating income	$1,446,211,380	+9.0%	$1,326,916,292	+37.6%	$964,494,893	-13.1%	$1,110,305,348	+15.7%	$960,052,227	+152.0%	$380,932,283	+14.1%	$333,746,626	-26.6%	$454,759,319	+80.1%	$252,553,043	+5.7%	$239,042,312	+245.6%	$69,176,583	+372.6%	$14,638,967	-20.4%	$18,394,559
EBITDA	$1,839,288,752	+7.2%	$1,716,050,546	+37.5%	$1,247,826,284	-8.9%	$1,369,493,217	+20.1%	$1,140,026,681	+108.4%	$547,063,840	+34.7%	$406,246,466	-16.5%	$486,720,782	+76.9%	$275,089,051	+9.6%	$251,001,782	+227.1%	$76,736,156	+288.3%	$19,763,945	-13.2%	$22,779,096
Net profit	$411,380,993	+8.5%	$379,232,132	+10.7%	$342,570,776	+0.5%	$340,951,713	+19.7%	$284,745,865	+36.0%	$209,346,523	-15.9%	$248,834,148	-26.8%	$340,063,565	+44.9%	$234,698,002	+62.3%	$144,598,774	+269.8%	$39,106,478	+341.0%	$8,866,985	-9.4%	$9,785,615
Gross margin	51.1%	+0.6 p.p.	50.6%	+2.6 p.p.	47.9%	-0.2 p.p.	48.1%	-2.6 p.p.	50.7%	+6.8 p.p.	43.9%	+0.3 p.p.	43.6%	-6.9 p.p.	50.5%	+3.4 p.p.	47.1%	-0.2 p.p.	47.3%	+2.4 p.p.	45.0%	+2.5 p.p.	42.4%	-13.6 p.p.	56.0%
Operating margin	37.9%	+0.4 p.p.	37.5%	+5.0 p.p.	32.5%	-1.8 p.p.	34.3%	+0.9 p.p.	33.5%	+12.9 p.p.	20.6%	-5.3 p.p.	25.9%	-6.8 p.p.	32.7%	+8.6 p.p.	24.1%	-7.4 p.p.	31.5%	+11.6 p.p.	19.9%	+11.1 p.p.	8.7%	-6.3 p.p.	15.1%
EBITDA margin	48.2%	-0.3 p.p.	48.6%	+6.5 p.p.	42.0%	-0.3 p.p.	42.4%	+2.6 p.p.	39.7%	+10.2 p.p.	29.6%	-2.0 p.p.	31.5%	-3.5 p.p.	35.0%	+8.7 p.p.	26.3%	-6.8 p.p.	33.0%	+11.0 p.p.	22.0%	+10.3 p.p.	11.8%	-6.9 p.p.	18.7%
Net margin	10.8%	+0.1 p.p.	10.7%	-0.8 p.p.	11.5%	+1.0 p.p.	10.5%	+0.6 p.p.	9.9%	-1.4 p.p.	11.3%	-8.0 p.p.	19.3%	-5.2 p.p.	24.5%	+2.1 p.p.	22.4%	+3.4 p.p.	19.0%	+7.8 p.p.	11.2%	+5.9 p.p.	5.3%	-2.7 p.p.	8.0%
Revenue growth (YoY)	2.3%	-3.3 p.p.	5.6%	-11.3 p.p.	16.9%	+13.5 p.p.	3.4%	-43.7 p.p.	47.2%	-6.9 p.p.	54.0%	+34.2 p.p.	19.8%	-17.8 p.p.	37.6%	-23.7 p.p.	61.3%	-60.7 p.p.	122.0%	+51.4 p.p.	70.6%	-34.3 p.p.	104.9%	—	—
Effective tax rate	17.5%	+0.6 p.p.	16.9%	+5.8 p.p.	11.1%	-6.9 p.p.	18.0%	+3.5 p.p.	14.5%	-7.2 p.p.	21.6%	-5.6 p.p.	27.2%	-1.3 p.p.	28.5%	+3.3 p.p.	25.2%	-4.7 p.p.	30.0%	+12.2 p.p.	17.8%	+5.8 p.p.	12.0%	-12.7 p.p.	24.6%
Interest coverage	1.50×	+1.1%	1.49×	-9.0%	1.64×	+1.1%	1.62×	+3.8%	1.56×	-45.9%	2.88×	-81.8%	15.86×	-66.9%	47.88×	+46.7%	32.64×	+301.8%	8.12×	+134.3%	3.47×	+10.9%	3.13×	-40.2%	5.23×

Newest column (“Last 12M”) = trailing 12 months, the last 4 reported quarters — shown with the quarter range it spans; earlier columns are full fiscal years.

Balance Sheet — Health & Leverage

Metric	Last 12MQ2'25 – Q1'26	Δ	2025	Δ	2024	Δ	2023	Δ	2022	Δ	2021	Δ	2020	Δ	2019	Δ	2018	Δ	2017	Δ	2016	Δ	2015	Δ	2014
Net debt	$8,495,669,482	+9.5%	$7,757,202,987	+20.7%	$6,428,340,051	+131.3%	$2,779,020,865	+44.5%	$1,923,738,977	+2373.9%	$77,761,584	+361.5%	-$29,742,430	+65.8%	-$86,910,669	+87.8%	-$713,192,401	-15948.8%	-$4,443,901	-111.5%	$38,506,595	+2311.9%	-$1,740,845	-285.4%	-$451,754
Net Debt / Equity	3.08×	+5.9%	2.90×	+7.2%	2.71×	+166.0%	1.02×	+18.6%	0.86×	+273.7%	0.23×	+366.9%	-0.09×	+51.0%	-0.18×	+58.4%	-0.42×	-2395.1%	-0.02×	-108.5%	0.20×	+1433.3%	-0.01×	-430.9%	-0.00×
Net Debt / EBITDA	4.62×	+2.2%	4.52×	-12.3%	5.15×	+153.9%	2.03×	+20.3%	1.69×	+1087.1%	0.14×	+294.2%	-0.07×	+59.0%	-0.18×	+93.1%	-2.59×	-14543.5%	-0.02×	-103.5%	0.50×	+669.7%	-0.09×	-344.1%	-0.02×
Debt / Equity	3.19×	+5.1%	3.03×	+9.4%	2.77×	+124.0%	1.24×	+22.1%	1.01×	+152.9%	0.40×	+345.2%	0.09×	—	0.00×	—	0.00×	-100.0%	0.06×	-81.7%	0.33×	—	0.00×	—	0.00×
Current ratio	1.43×	+4.9%	1.36×	-10.1%	1.51×	+6.8%	1.42×	+5.8%	1.34×	-4.9%	1.41×	-15.4%	1.66×	-27.7%	2.30×	-1.7%	2.34×	+92.8%	1.21×	-8.1%	1.32×	-11.4%	1.49×	-26.2%	2.02×
Return on equity (ROE)	14.9%	+0.7 p.p.	14.2%	-0.2 p.p.	14.4%	+1.9 p.p.	12.5%	-0.2 p.p.	12.7%	-49.1 p.p.	61.8%	-10.2 p.p.	72.0%	+3.3 p.p.	68.7%	+54.9 p.p.	13.9%	-41.1 p.p.	55.0%	+34.7 p.p.	20.3%	+12.7 p.p.	7.6%	+1.5 p.p.	6.1%
Return on assets (ROA)	2.9%	+0.1 p.p.	2.8%	-0.1 p.p.	2.9%	-0.1 p.p.	3.0%	-0.3 p.p.	3.3%	-17.6 p.p.	20.9%	-9.2 p.p.	30.1%	-7.6 p.p.	37.7%	+29.7 p.p.	8.0%	-3.3 p.p.	11.3%	+5.9 p.p.	5.4%	+2.7 p.p.	2.7%	-0.5 p.p.	3.2%
Book value / share	$9.77	+8.9%	$8.97	+20.7%	$7.43	-11.8%	$8.43	+23.8%	$6.81	+567.9%	$1.02	-2.7%	$1.05	-30.3%	$1.50	-71.7%	$5.31	+430.3%	$1.00	+63.9%	$0.61	+65.9%	$0.37	-27.4%	$0.51

Newest column (“Last 12M”) = trailing 12 months, the last 4 reported quarters — shown with the quarter range it spans; earlier columns are full fiscal years.

Net Debt & Leverage

Free Cash Flow

Margins

Dividend Payout Ratio

Capex ÷ Revenue

Cash Conversion (operating cash flow ÷ net income)

Ratios computed from company financial statements. Net Debt = total debt − cash & equivalents; FCF = operating cash flow − capital expenditure; absolute values in USD.

Valuation & Dividends

P/E Ratio History

Dividend History

This year (YTD) $0.26/share · yield 2.88%

Dividends and yield from Yahoo Finance (per ADR share, in USD). The current-year figures are calendar year-to-date (dividends actually paid this year), not the trailing 12 months.

Last updated: 02:27 BRT · Updated hourly during market hours

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