PagSeguro Digital Ltd (PAGS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
PagSeguro Digital Ltd stock (PAGS) is currently trading at $9.96. PagSeguro Digital Ltd PE ratio is 6.96. PagSeguro Digital Ltd PS ratio (Price-to-Sales) is 0.13. Analyst consensus price target for PAGS is $12.33. WallStSmart rates PAGS as Hold.
- PAGS PE ratio analysis and historical PE chart
- PAGS PS ratio (Price-to-Sales) history and trend
- PAGS intrinsic value — DCF, Graham Number, EPV models
- PAGS stock price prediction 2025 2026 2027 2028 2029 2030
- PAGS fair value vs current price
- PAGS insider transactions and insider buying
- Is PAGS undervalued or overvalued?
- PagSeguro Digital Ltd financial analysis — revenue, earnings, cash flow
- PAGS Piotroski F-Score and Altman Z-Score
- PAGS analyst price target and Smart Rating
PagSeguro Digital
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PAGS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · PagSeguro Digital Ltd (PAGS)
PAGS trades 22% above its Graham fair value of $9.18, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
PagSeguro Digital Ltd (PAGS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
PagSeguro Digital Ltd (PAGS) Key Strengths (5)
Keeps $39 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
66.23% held by institutions, strong professional interest
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
PagSeguro Digital Ltd (PAGS) Areas to Watch (4)
Earnings declining -9.50%, profits shrinking
Revenue growing slowly at 4.50% annually
Moderate profitability with room for improvement
Decent profitability, keeps $11 per $100 revenue
PagSeguro Digital Ltd (PAGS) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.13), Price/Book (0.94) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 39.00%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Return on Equity. Growth concerns include Revenue Growth at 4.50%, EPS Growth at -9.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.50%, Profit Margin at 10.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Sales) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PAGS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PAGS's Price-to-Sales ratio of 0.13x sits near its historical average of 0.14x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 17% below its historical high of 0.16x set in Mar 2026, and 2% above its historical low of 0.13x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~0.2x as trailing revenue scaled faster than the stock price.
Compare PAGS with Competitors
Top SOFTWARE - INFRASTRUCTURE stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for PagSeguro Digital Ltd (PAGS) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
PagSeguro Digital Ltd is a strong growth company balancing expansion with improving profitability. Revenue reached 19.7B with 450% growth year-over-year. Profit margins of 10.7% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 450% YoY, reaching 19.7B. This pace significantly outperforms most SOFTWARE - INFRASTRUCTURE peers.
ROE of 1450.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -3.2B, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can PagSeguro Digital Ltd push profit margins above 15% as the business scales?
Growth sustainability: can PagSeguro Digital Ltd maintain 450%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 11.1%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact PagSeguro Digital Ltd.
Bottom Line
PagSeguro Digital Ltd offers an attractive blend of growth (450% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About PagSeguro Digital Ltd(PAGS)
NYSE
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.