# PicS N.V. Class A (PICS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $11.46, market value $2.5 billion.

## Valuation
- **P/E (trailing): 5.8×**. PicS N.V. Class A trades at 5.8× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 3.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.01**. A PEG of 0.01 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.3×**. Each dollar of revenue is priced at 0.3×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -51.2%**. Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 17.2%**. The inverse of the P/E: 17.2% of the price is earned each year.

## Profitability
- **Net margin: 17.4%**. 17.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 28.2%**. 28.2% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 3.2%**. Each dollar of assets produces 3.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 65.0%** (3-yr 52.7%/yr). Revenue grew 65.0% over the last year.
- **EPS growth (1 yr): 424.7%**. Earnings per share rose 424.7%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $5.7 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. PicS N.V. Class A does not currently pay a dividend, but it returned -106.6% of its market value through buybacks over the last year.

## Analyst view
- **Analyst consensus: strong_buy** (9 analysts). 9 analysts cover PicS N.V. Class A; the consensus is strong_buy, with an average price target of $19.66 (+72% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **From 52-week high: -42.6%** (37.7% above the low). Trading 43% below its 52-week high, deep in a drawdown.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 2.62** (volatility 79%). Beta of 2.62 against the S&P 500: the shares move much more than the market.

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

Not investment advice.