PagBank registers a recurrent profit of BRL 571 million, 14% growth in net revenue, and 30% growth in the loanportfolio
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 13 2025
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Source: PRnewswire
Financial Performance: PagBank reported BRL 39.4 billion in deposits and a BRL 4.2 billion loan portfolio in Q3 2025, showing resilience in a high-interest-rate environment, with a 14.4% year-over-year increase in net revenue to BRL 3.4 billion.
Shareholder Returns: The bank distributed over BRL 2 billion to shareholders through dividends and share repurchases in the past year, while maintaining a focus on expanding strategic initiatives and enhancing customer financial experiences.
Leadership Transition: Effective January 1, 2026, Carlos Mauad will succeed Alexandre Magnani as CEO, with Gustavo Sechin taking over as CFO, ensuring continuity and support during the transition.
Commitment to Growth: PagBank aims to broaden access to financial solutions for millions of Brazilians, emphasizing the importance of loan growth and the development of a comprehensive digital banking ecosystem.
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Analyst Views on PAGS
Wall Street analysts forecast PAGS stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for PAGS is 10.80 USD with a low forecast of 7.00 USD and a high forecast of 13.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Analyst Rating
3 Buy
1 Hold
1 Sell
Moderate Buy
Current: 11.970
Low
7.00
Averages
10.80
High
13.00
Current: 11.970
Low
7.00
Averages
10.80
High
13.00
About PAGS
PagSeguro Digital Ltd. is a disruptive provider of financial technology solutions focused primarily on consumers, individual entrepreneurs, micro-merchants, small companies, and medium-sized companies in Brazil. Its end-to-end digital ecosystem enables its merchants not only to accept payments but also to grow and manage their businesses. The Company operates in a single segment, that is financial service agents. It offers a two-sided ecosystem, providing banking and payments experience through a single interface, with one app, one platform, and one customer support. Its digital banking ecosystem features its free PagBank digital account under the brand PagBank and offers approximately 40 payment methods and 13 cash-out options. The Company offers a range of point of sale (POS) and mobile point of sale (mPOS) devices specifically designed to fit customers' business needs. Its end-to-end payments ecosystem enables its customers to accept a range of online and in-person payment methods.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
PagSeguro Digital Ltd Anticipates 1.4% Annualized Dividend Yield
- Dividend History Analysis: PagSeguro Digital Ltd's dividend history chart indicates that the recent dividend is likely to continue, with an anticipated annualized dividend yield of 1.4%, providing investors with a stable income expectation.
- Volatility Assessment: The trailing twelve-month volatility for PagSeguro, calculated from the last 251 trading days, stands at 50%, indicating significant price fluctuations, which necessitates cautious risk evaluation by investors.
- Options Trading Dynamics: In Thursday's trading, the put volume among S&P 500 components reached 902,767 contracts, while call volume hit 1.94 million contracts, reflecting a strong preference for call options among investors, indicating optimistic market sentiment.
- Options Market Trends: The current put:call ratio of 0.47 is significantly lower than the long-term median of 0.65, suggesting an increased market expectation for future price increases, which may influence PagSeguro's stock price trajectory.
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PagSeguro and Others Show Weak EPS Revisions Ahead of Earnings Season
- EPS Revision Ratings: Mid-cap financial stocks like PagSeguro Digital Ltd. (PAGS) and Inter & Co, Inc. (INTR) have received a D+ EPS revision grade, indicating weakened momentum in analyst earnings expectations, which may affect investor confidence.
- Quant Rating Performance: PagSeguro's quant rating stands at 3.23, Inter's at 3.18, and Golub Capital BDC (GBDC) at 3.03, all below the bullish threshold of 3.5, suggesting these companies face challenges in earnings growth.
- Market Reaction Expectations: As the earnings season approaches, analysts' downward revisions of earnings expectations for these companies may lead to increased stock price volatility, prompting investors to assess risks carefully.
- Industry-Wide Trends: Overall, the soft EPS revisions in the financial sector may reflect signs of economic slowdown, and investors should monitor policy risks and market volatility's impact on future performance.
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