A Business at a Glance
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PagSeguro Digital Ltd.
PAGS
$1.5B
Mkt Cap
$9.20
-2.75%
PagSeguro Digital Ltd. (PAGS) has a current P/E ratio of 1.4, compared to its historical median P/E of 6.2. The stock is currently considered Cheap based on its historical valuation range.
PagSeguro Digital Ltd. (PAGS) has a 5-year average return on invested capital (ROIC) of 25.8%. This indicates strong capital allocation and a potential competitive advantage.
PagSeguro Digital Ltd. (PAGS) has a market capitalization of $1.5B. It is classified as a small-cap stock.
PagSeguro Digital Ltd. (PAGS) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 9.88%.
Based on historical P/E analysis, PagSeguro Digital Ltd. (PAGS) appears cheap. The current P/E of 1.4 is 78% below its historical median of 6.2. The estimated fair value CAGR (P/E method) is 10.4%.
PagSeguro Digital Ltd. (PAGS) operates in the Services-Computer Processing & Data Preparation industry, within the Technology sector.
PagSeguro Digital Ltd. (PAGS) reported annual revenue of $3.5 billion in its most recent fiscal year, based on SEC EDGAR filings.
ITEM 4. INFORMATION ON THE COMPANY 4A. History and Development of the Company PagSeguro Digital is an exempted company with limited liability incorporated under the laws of the Cayman Islands and our legal name is PagSeguro Digital Ltd. The company was created in 2006 under the brand PagSeguro, aiming to democratize the payments and access to financial services in Brazil mainly to small online sellers. We promoted innovative solutions for diverse audiences and we currently serve over 33.2 million clients. Our activities in Brazil began in 2006, and throughout its history, we have consolidated our role as an acquirer and card issuer, in addition to providing complete solutions for online and in person payments (through mobile devices and POS terminals) with the widest variety of payment methods, such as credit, debit and meal cards. We currently have the largest acceptance network in Brazil, with more than 6.3 million active merchants.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 3.5B | 3.5B | 3.2B | 3.0B | 1.9B | 1.3B |
| Net Income | 390M | 390M | 333M | 293M | 216M | 250M |
| EPS | $2.45 | $2.45 | $2.06 | $1.79 | $1.30 | $1.52 |
| Free Cash Flow | -839M | -839M | 613M | 478M | -14M | 122M |
| ROIC | 29.8% | 38.1% | 16.2% | 43.2% | 13.5% | 18.1% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.31 | 0.31 | 3.16 | 0.02 | 0.10 | 1.39 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 1.1B | 1.1B | 408M | 979M | 278M | 343M |
| Operating Margin | 32.6% | 32.6% | 12.7% | 32.8% | 14.4% | 26.0% |
| ROE | 14.4% | 15.2% | 13.2% | 13.5% | 11.8% | 14.9% |
| Shares Outstanding | 159M | 159M | 161M | 164M | 165M | 164M |
| Metric | 2015 | 2016 | TTM | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 202M | 331M | 787M | 1.2B | 1.4B | 1.3B | 1.9B | 3.0B | 3.2B | 3.5B | 3.5B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 49M | 58M | 77M | 96M | 143M | 119M | 282M | 379M | 288M | 343M | 343M |
| EBIT | 80M | 45M | 216M | 334M | 485M | 343M | 278M | 979M | 408M | 1.1B | 1.1B |
| Op. Margin | 39.7% | 13.6% | 27.5% | 28.1% | 33.5% | 26.0% | 14.4% | 32.8% | 12.7% | 32.6% | 32.6% |
| Net Income | 11M | 37M | 149M | 249M | 347M | 250M | 216M | 293M | 333M | 390M | 390M |
| Net Margin | 5.3% | 11.2% | 19.0% | 21.0% | 24.0% | 19.0% | 11.2% | 9.8% | 10.4% | 11.3% | 11.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||
| ROIC | 60.9% | 25.5% | 71.9% | 39.5% | 26.2% | 18.1% | 13.5% | 43.2% | 16.2% | 38.1% | 29.8% |
| ROE | 8.0% | 23.5% | 64.0% | 24.5% | 18.7% | 14.9% | 11.8% | 13.5% | 13.2% | 15.2% | 14.4% |
| ROA | N/A | N/A | 11.3% | 11.6% | 10.5% | 7.0% | 4.4% | 3.5% | 3.0% | 3.3% | 2.9% |
| Cash Flow | |||||||||||
| Op. Cash Flow | 14M | 22M | 142M | -483M | 124M | 417M | 166M | 691M | 804M | -630M | -630M |
| Free Cash Flow | 13M | 22M | 139M | -500M | 39M | 122M | -14M | 478M | 613M | -839M | -839M |
| Owner Earnings | 8.6M | 13M | 125M | -509M | 91M | 344M | 24M | 471M | 532M | -925M | -925M |
| CapEx | 966K | 580K | 2.5M | 17M | 85M | 295M | 180M | 213M | 191M | 209M | 209M |
| Maint. CapEx | 5.7M | 9.1M | 16M | 26M | 33M | 73M | 142M | 220M | 273M | 295M | 295M |
| Growth CapEx | 0 | 0 | 0 | 0 | 52M | 222M | 38M | 0 | 0 | 0 | 0 |
| D&A | 5.7M | 9.1M | 16M | 26M | 33M | 73M | 142M | 220M | 273M | 295M | 295M |
| CapEx/OCF | N/A | N/A | N/A | N/A | 68.2% | 70.7% | 108.3% | 30.9% | 23.8% | N/A | 0.0% |
| Capital Allocation | |||||||||||
| Dividends Paid | 0 | 0 | 75M | 65M | 61M | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | 1.5% | 1.1% | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 11M | 107K | 8.7M | 53M | 78M | 0 | 145M | 145M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9.9% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 62M | 0 | 0 | 0 | 0 | 236M | 20M | 871M | 871M |
| Balance Sheet | |||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | -146M | -319M | N/A | 663M | 663M |
| Cash & Equiv. | 2.1M | 23M | 21M | 757M | 356M | 317M | 332M | 356M | 583M | 171M | 171M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 834M |
| Debt/Equity | N/A | N/A | 3.87 | 0.74 | 0.82 | 1.39 | 0.10 | 0.02 | 3.16 | 0.31 | 0.31 |
| Interest Coverage | N/A | N/A | 75.5 | N/A | N/A | N/A | 104.9 | 1.5 | 210.8 | 1.6 | 1.6 |
| Equity | 139M | 182M | 272M | 1.8B | 2.0B | 1.8B | 1.9B | 2.3B | 2.7B | 2.7B | 2.7B |
| Total Assets | N/A | N/A | 1.3B | 3.1B | 3.7B | 4.3B | 5.8B | 10.7B | 11.1B | 13.4B | 13.4B |
| Total Liabilities | N/A | N/A | 1.1B | 1.3B | 1.7B | 2.5B | 3.8B | 8.2B | 8.4B | 10.7B | 10.7B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | N/A | N/A | N/A | N/A | 577M | 690M | 876M | 1.5B | 1.6B | 1.8B | 1.8B |
| Working Capital | N/A | N/A | 221M | 1.7B | 1.9B | 1.5B | 1.4B | 2.8B | N/A | 4.0B | 4.0B |
| Current Assets | N/A | N/A | 1.3B | 3.0B | 3.4B | 3.7B | 4.9B | 9.5B | 9.8B | 11.9B | 11.9B |
| Current Liabilities | N/A | N/A | 1.0B | 1.3B | 1.5B | 2.2B | 3.5B | 6.7B | N/A | 7.9B | 7.9B |
| Per Share Data | |||||||||||
| EPS | 0.08 | 0.28 | 1.14 | 1.57 | 2.11 | 1.52 | 1.30 | 1.79 | 2.06 | 2.45 | 2.45 |
| Owner EPS | 0.07 | 0.10 | 0.96 | -3.21 | 0.56 | 2.09 | 0.14 | 2.87 | 3.30 | -5.82 | -5.82 |
| Book Value | 1.06 | 1.39 | 2.08 | 11.36 | 12.38 | 10.99 | 11.75 | 14.07 | 16.51 | 17.00 | 17.00 |
| Cash Flow/Share | 0.11 | 0.17 | 1.08 | -3.05 | 0.76 | 2.54 | 1.00 | 4.22 | 4.99 | -3.96 | 4.31 |
| Dividends/Share | N/A | N/A | 0.57 | 0.41 | 0.37 | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 130.6M | 131.2M | 130.6M | 158.6M | 164.1M | 164.3M | 165.4M | 163.9M | 161.3M | 159.1M | 159.1M |
| Valuation | |||||||||||
| P/E Ratio | N/A | N/A | N/A | 6.2 | 8.1 | 13.5 | 7.3 | 1.8 | 2.4 | 0.9 | 3.7 |
| P/FCF | N/A | N/A | N/A | N/A | 139.6 | 71.4 | N/A | 2.8 | 3.3 | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.9 |
| Price/Book | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.3 | 0.1 | 0.5 |
| Price/Sales | N/A | N/A | N/A | 2.1 | 1.9 | 1.7 | 1.5 | 0.3 | 0.2 | 0.2 | 0.4 |
| FCF Yield | N/A | N/A | N/A | -8.8% | 0.4% | 0.7% | -0.2% | 17.9% | 15.3% | -42.4% | -57.3% |
| Market Cap | N/A | N/A | N/A | 5.7B | 11.0B | 17.5B | 8.5B | 2.7B | 4.0B | 2.0B | 1.5B |
| Avg. Price | N/A | N/A | N/A | 28.22 | 33.57 | 34.33 | 46.47 | 14.29 | 9.12 | 10.88 | 9.20 |
| Year-End Price | N/A | N/A | N/A | 17.74 | 33.52 | 53.00 | 25.50 | 8.10 | 12.35 | 6.19 | 9.20 |
PagSeguro Digital Ltd. passes 5 of 9 quality checks, suggesting mixed fundamentals.
PagSeguro Digital Ltd. trades at 1.4x trailing earnings, compared to its 15-year median P/E of 6.2x, suggesting it is currently Cheap relative to its historical range. The company's 5-year average ROIC is 25.8%. Total shareholder yield (buybacks) is 9.9%. At current prices, the estimated annualized return to fair value is +45.7%.
PagSeguro Digital Ltd. (PAGS) has a net profit margin of 11.3%. This is a healthy margin.
PagSeguro Digital Ltd. (PAGS) generated $-839 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
PagSeguro Digital Ltd. (PAGS) has a debt-to-equity ratio of 0.31. This indicates a conservatively financed balance sheet.
PagSeguro Digital Ltd. (PAGS) reported earnings per share (EPS) of $2.45 in its most recent fiscal year.
PagSeguro Digital Ltd. (PAGS) has a return on equity (ROE) of 15.2%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 10 years of financial data for PagSeguro Digital Ltd. (PAGS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PagSeguro Digital Ltd. (PAGS) has a book value per share of $17.00, based on its most recent annual SEC filing.
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