PAGS

PagSeguro Digital Ltd

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Advanced Chart

8.510

+0.31(3.780%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

8.650

Open

8.380

VWAP

8.47

Vol

5.77M

Mkt Cap

2.80B

Low

8.260

Amount

48.87M

EV/EBITDA(TTM)

2.11

Total Shares

319.07M

3.20B

EV/OCF(TTM)

P/S(TTM)

0.76

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

5.83B

+14.06%

2.218

+10.36%

5.41B

+11.99%

1.999

+12.32%

5.06B

+11.15%

1.815

+8.01%

Estimates Revision

The market is revising Upward the revenue expectations for PagSeguro Digital Ltd. (PAGS) for FY2025, with the revenue forecasts being adjusted by 0.02% over the past three months. During the same period, the stock price has changed by -13.60%.

Revenue Estimates for FY2025

Revise Upward

+0.02%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-1.78%

In Past 3 Month

Stock Price

Go Down

-13.60%

In Past 3 Month

8 Analyst Rating

25.38% Upside

Wall Street analysts forecast PAGS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PAGS is 10.67 USD with a low forecast of 5.00 USD and a high forecast of 14.00 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.

4 Buy

3 Hold

1 Sell

Moderate Buy

25.38% Upside

Current: 8.510

Low

5.00

Averages

10.67

High

14.00

25.38% Upside

Current: 8.510

Low

5.00

Averages

10.67

High

14.00

Grupo Santander

Henrique Navarro

Neutral -> Outperform

upgrade

$13

2025-07-02

Reason

Grupo Santander

Henrique Navarro

Price Target

$13

2025-07-02

upgrade

Neutral -> Outperform

Reason

Grupo Santander analyst Henrique Navarro upgraded PagBank to Outperform from Neutral with a price target of $13, up from $7.50.

Susquehanna

James Friedman

Positive

downgrade

$16 -> $14

2025-05-14

Reason

Susquehanna

James Friedman

Price Target

$16 -> $14

2025-05-14

downgrade

Positive

Reason

Susquehanna analyst James Friedman lowered the firm's price target on PagBank to $14 from $16 and keeps a Positive rating on the shares. The firm said they reported a solid Q1 thanks to a generally benign competitive landscape and relatively stable macro environment. The said, Aathough it is still early days, the firm notea that management finally messaged it is beginning to offer unsecured lending, and more banking actives and deposits should follow.

Barclays

John Coffey

Buy

Maintains

$13 → $12

2025-04-23

Reason

Barclays

John Coffey

Price Target

$13 → $12

2025-04-23

Maintains

Buy

Reason

Barclays lowered the firm's price target on PagBank to $12 from $13 and keeps an Overweight rating on the shares.

Citigroup

Gustavo Schroden

Hold

Strong Buy

Upgrades

$7 → $10

2025-04-22

Reason

Citigroup

Gustavo Schroden

Price Target

$7 → $10

2025-04-22

Upgrades

Hold

Strong Buy

Reason

Citi upgraded PagBank to Buy from Neutral with a price target of $10, up from $7. Everyday, the company is one step closer to be a "small-sized bank" with potential higher return on equity, the analyst tells investors in a research note. The firm says that even considering the higher interest rates for 2025, PagBank's guidance contemplates earnings expansion of 11%, driven by re-pricing. As Citi anticipates a lower rate for 2026, it believes that this could be a tailwind for results.

Citigroup

Gustavo Schroden

Strong Buy

Hold

Downgrades

$17 → $7

2025-01-16

Reason

Citigroup

Gustavo Schroden

Price Target

$17 → $7

2025-01-16

Downgrades

Strong Buy

Hold

Reason

Citi downgraded PagBank to Neutral from Buy with a price target of $7, down from $17, after assuming coverage of the name. With the challenges stemming from rising interest rates, the Brazilian payment acquirers are expected to face significant financial expenses headwinds, the analyst tells investors in a research note. Citi recommends investors avoid the industry, saying the economics are under pressure, and that it does not see a light at the end of tunnel. addition to macroeconomic pressures, the industry also faces many other challenges, such as volume growth deceleration and low-quality volumes, contends the firm.

JP Morgan

Domingos Falavina

Hold

Maintains

$16 → $11

2024-12-16

Reason

JP Morgan

Domingos Falavina

Price Target

$16 → $11

2024-12-16

Maintains

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for PagSeguro Digital Ltd (PAGS.N) is 5.57, compared to its 5-year average forward P/E of 20.12. For a more detailed relative valuation and DCF analysis to assess PagSeguro Digital Ltd 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

20.12

Current PE

5.57

Overvalued PE

37.70

Undervalued PE

2.55

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

Fair

5Y Average EV/EBITDA

10.77

Current EV/EBITDA

3.47

Overvalued EV/EBITDA

20.52

Undervalued EV/EBITDA

1.02

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

3.01

Current PS

0.61

Overvalued PS

6.27

Undervalued PS

-0.24