# PagSeguro Digital Ltd. (PAGS) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Technology / Software. Price $7.65, market value $2.1 billion.

## Valuation
- **P/E (trailing): 5.4×** (5-yr avg 2.7×, 3-yr avg 1.5×). PagSeguro Digital Ltd. trades at 5.4× trailing earnings, well above its own five-year average of 2.7×: investors are paying up relative to the company's past. The Technology median in the September 2026 study was 32.1×. Forward P/E is 4.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.65**. A PEG of 0.65 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.6×**. Each dollar of revenue is priced at 0.6×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 5.6×**. Enterprise value is 5.6× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 33.4%** (5-yr avg 23.1%). Free cash flow equals 33.4% of the market value, above its five-year average of 23.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 18.6%**. The inverse of the P/E: 18.6% of the price is earned each year.

## Profitability
- **Gross margin: 53.3%**. PagSeguro Digital Ltd. keeps 53.3% of revenue after the direct cost of what it sells.
- **Operating margin: 40.1%**. 40.1% of revenue is left after running the business, an exceptional level.
- **Net margin: 10.4%**. 10.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 14.5%**. 14.5% on shareholders' equity is solid.
- **Return on invested capital: 12.8%**. Return on all capital, debt included, is 12.8%.
- **Return on assets: 2.9%**. Each dollar of assets produces 2.9% of profit.

## Growth
- **Revenue growth (1 yr): 8.5%** (3-yr 10.0%/yr, 5-yr 24.5%/yr). Revenue grew 8.5% over the last year, against 24.5% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 6.1%** (3-yr 15.6%/yr, 5-yr 12.7%/yr). Earnings per share rose 6.1%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 29.2%/yr**. Free cash flow has compounded at 29.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 2.94**. Debt is 2.94 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 4.3×**. It would take 4.3 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Interest coverage: 1.8×**. Operating profit covers interest 1.8×, thin but manageable.
- **Current ratio: 1.36** (quick 1.36). Current assets cover the next year's liabilities 1.36 times.
- **Altman Z-score: 1.21**. A Z-score of 1.21 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 14.64%** ($1.12 per share, trailing). PagSeguro Digital Ltd. yields 14.64%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 29%** (24% of free cash flow). 29% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Shareholder yield: 23.4%**. Dividends plus net buybacks return 23.4% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (15 analysts). 15 analysts cover PagSeguro Digital Ltd.; the consensus is buy, with an average price target of $10.46 (+37% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -15.8%** (YTD -16.2%, 3-mo -17.8%). The shares are down 15.8% over twelve months including dividends.
- **From 52-week high: -37.9%** (2.0% above the low). Trading 38% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 30**. An RSI of 30 is oversold; bounces are common, but oversold can stay oversold in a real decline.
- **Beta (1 yr): 1.52** (volatility 54%). Beta of 1.52 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PAGS · Page: https://foliofundamentals.com/stocks/pags

Not investment advice.