PagSeguro (PagBank) (NYSE: PAGS)

$8.72-1.13%today

Brazilian ADR trading on the NYSE, priced in US dollars.

Display currency

Market Cap, EPS and the financial totals below — switch between US dollars and BRL.

Market Cap: $2.40B
P/E (TTM): 6.1x
P/B: 0.8x
EPS (TTM): $1.44
Dividend Yield: 12.84%
52-Week Range: $8.26 – $12.32
Volume: 3.01M
Previous Close: $8.82

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

-1.13%

1 Week

-3.96%

1 Month

-3.54%

YTD

-9.54%

1 Year

-3.43%

5 Years

-84.45%

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 15 Wall Street analysts · sourced from Yahoo Finance

2.4Buy

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

12-Month Price Target

Low

$7.26

Average

$11.51

High

$13.88

The average target is +32.04% above the current price of $8.72.

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 2.98%

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

Listings

PagSeguro (PagBank) trades on 2 exchanges. Prices on this page are the NYSE ADR (PAGS).

Exchange	Ticker	Currency
NYSEpriced here	PAGS	USD
B3 (São Paulo)	PAGS34	BRL

Frequently Asked Questions

Why hold PagSeguro (PagBank) PAGS ADR instead of local B3 shares?

Buying directly on Brazil’s B3 exchange means opening a local brokerage account, converting currency and dealing with Brazilian tax paperwork. ADRs remove that friction: they settle in dollars, follow US market hours, and report in formats foreign investors already understand.

The trade-off is that an ADR’s price reflects two moving parts: (1) the underlying share price, quoted in reais on the B3, and (2) the USD/BRL exchange rate. Because of that second part, a rising company can still deliver a flat, or even negative, dollar return if the real weakens against the dollar. The same applies to ETFs: funds such as EWZ, EWZS and FLBR bundle dozens of these companies into a single ticker for instant diversification, but their dollar value still moves with the real.

Where is PagSeguro (PagBank) listed?

PagSeguro (PagBank) trades on 2 exchanges. The line quoted on this page is NYSE in the United States (PAGS, US dollars). It also trades on B3 (São Paulo) in Brazil (PAGS34, Brazilian reais).

On how many exchanges does PagSeguro (PagBank) trade?

2. NYSE — PAGS (USD) · B3 (São Paulo) — PAGS34 (BRL). Prices shown on this page are the NYSE line, PAGS.

What is PagSeguro (PagBank)'s primary listing?

PagSeguro (PagBank)'s primary listing is on NYSE in the United States, where it trades as PAGS in US dollars — the line quoted on this page. Its Brazilian line, PAGS34 on the B3, is a Brazilian Depositary Receipt rather than a directly listed share.

What is the difference between PAGS and PAGS34?

PAGS is the NYSE-listed share, quoted in US dollars — the company's primary line. PAGS34 is a Brazilian Depositary Receipt over that same share, trading on the B3 in reais. PagSeguro (PagBank)'s operations are mainly in Brazil, and this structure serves both sides: international investors reach the company through the US listing, while Brazilian investors can hold that same US-listed share through the BDR, in reais, without sending money abroad.

How can I buy PagSeguro (PagBank) stock in the United States?

PagSeguro (PagBank) is listed on the NYSE under PAGS, priced in US dollars. Any US brokerage offering NYSE-listed securities can trade it, with no foreign-account paperwork and no currency conversion.

As of Fri, Aug 14, 17:00 BRT · Market closed

Financial data last updated: August 15, 2026

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