WallStSmart

PagSeguro Digital Ltd (PAGS)vsSonos Inc (SONO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PagSeguro Digital Ltd generates 1229% more annual revenue ($19.80B vs $1.49B). PAGS leads profitability with a 10.9% profit margin vs 3.8%. PAGS trades at a lower P/E of 6.6x. PAGS earns a higher WallStSmart Score of 65/100 (C+).

PAGS

Buy

65

out of 100

Grade: C+

Growth: 4.7Profit: 7.0Value: 6.7Quality: 4.5
Piotroski: 5/9Altman Z: 1.24

SONO

Hold

48

out of 100

Grade: D+

Growth: 6.0Profit: 4.5Value: 3.7Quality: 7.0
Piotroski: 3/9Altman Z: 2.04
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for PAGS.

SONOSignificantly Overvalued (-31.9%)

Margin of Safety

-31.9%

Fair Value

$12.51

Current Price

$15.12

$2.61 premium

UndervaluedFair: $12.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PAGS3 strengths · Avg: 10.0/10
P/E RatioValuation
6.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.2%10/10

Strong operational efficiency at 36.2%

SONO2 strengths · Avg: 9.5/10
EPS GrowthGrowth
87.5%10/10

Earnings expanding 87.5% YoY

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

Areas to Watch

PAGS3 concerns · Avg: 1.7/10
Revenue GrowthGrowth
-0.2%2/10

Revenue declined 0.2%

Altman Z-ScoreHealth
1.242/10

Distress zone — elevated risk

Debt/EquityHealth
3.101/10

Elevated debt levels

SONO4 concerns · Avg: 3.3/10
P/E RatioValuation
32.3x4/10

Premium valuation, high expectations priced in

Market CapQuality
$1.72B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Profit MarginProfitability
3.8%3/10

3.8% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : PAGS

The strongest argument for PAGS centers on P/E Ratio, Price/Book, Operating Margin.

Bull Case : SONO

The strongest argument for SONO centers on EPS Growth, Debt/Equity.

Bear Case : PAGS

The primary concerns for PAGS are Revenue Growth, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.10 is elevated, increasing financial risk.

Bear Case : SONO

The primary concerns for SONO are P/E Ratio, Market Cap, Return on Equity. Thin 3.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

PAGS profiles as a declining stock while SONO is a value play — different risk/reward profiles.

SONO carries more volatility with a beta of 1.94 — expect wider price swings.

SONO is growing revenue faster at 8.8% — sustainability is the question.

PAGS generates stronger free cash flow (781M), providing more financial flexibility.

Bottom Line

PAGS scores higher overall (65/100 vs 48/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

PagSeguro Digital Ltd

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

PagSeguro Digital Ltd., provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company is headquartered in So Paulo, Brazil.

Sonos Inc

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Sonos, Inc. designs, develops, manufactures, and sells multi-room audio products in the Americas, Europe, the Middle East, Africa, and Asia Pacific. The company is headquartered in Santa Barbara, California.

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