Picpay Holdings Netherlands N.V. Class A Common Shares (PICS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Picpay Holdings Netherlands N.V. Class A Common Shares stock (PICS) is currently trading at $11.30. Picpay Holdings Netherlands N.V. Class A Common Shares PE ratio is 24.54. Picpay Holdings Netherlands N.V. Class A Common Shares PS ratio (Price-to-Sales) is 1.39. Analyst consensus price target for PICS is $24.04. WallStSmart rates PICS as Underperform.
- PICS PE ratio analysis and historical PE chart
- PICS PS ratio (Price-to-Sales) history and trend
- PICS intrinsic value — DCF, Graham Number, EPV models
- PICS stock price prediction 2025 2026 2027 2028 2029 2030
- PICS fair value vs current price
- PICS insider transactions and insider buying
- Is PICS undervalued or overvalued?
- Picpay Holdings Netherlands N.V. Class A Common Shares financial analysis — revenue, earnings, cash flow
- PICS Piotroski F-Score and Altman Z-Score
- PICS analyst price target and Smart Rating
Picpay Holdings Netherlands N.V. Class A Common Shares
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PICS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Picpay Holdings Netherlands N.V. Class A Common Shares (PICS)
PICS trades 331% above its Graham fair value of $3.40, 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
Picpay Holdings Netherlands N.V. Class A Common Shares (PICS) · 8 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, revenue growth. Concerns around profit margin and institutional own.. Fundamentals are solid but monitor weak areas for improvement.
Picpay Holdings Netherlands N.V. Class A Common Shares (PICS) Key Strengths (4)
Keeps $44 of every $100 in revenue after operating costs
Revenue surging 93.70% year-over-year
Paying $1.39 for every $1 of annual revenue
Solid profitability: $17 profit per $100 equity
Supporting Valuation Data
Picpay Holdings Netherlands N.V. Class A Common Shares (PICS) Areas to Watch (4)
Very thin margins, barely profitable
Very low institutional interest at 4.18%
Small-cap company with higher risk but more growth potential
Fairly priced relative to book value
Picpay Holdings Netherlands N.V. Class A Common Shares (PICS) Detailed Analysis Report
Overall Assessment
This company scores 52/100 in our Smart Analysis, earning a C- grade. Out of 8 metrics analyzed, 4 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 3.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, Price/Sales. Valuation metrics including Price/Sales (1.39) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 17.40%, Operating Margin at 44.30%. Growth metrics are encouraging with Revenue Growth at 93.70%.
The Bear Case
The primary concerns are Profit Margin, Institutional Own., Market Cap. Some valuation metrics including Price/Book (2.90) suggest expensive pricing. Profitability pressure is visible in Profit Margin at 3.72%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Profit Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 17.40% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 93.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Revenue Growth) and negatives (Profit Margin, Institutional Own.). 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.
PICS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PICS's Price-to-Sales ratio of 1.39x trades 15% below its historical average of 1.64x (0th percentile). The current valuation is 24% below its historical high of 1.83x set in Mar 2026, and 0% above its historical low of 1.39x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~1.7x as trailing revenue scaled faster than the stock price.
Compare PICS with Competitors
Top SOFTWARE - INFRASTRUCTURE stocks by market cap
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Data-driven financial summary for Picpay Holdings Netherlands N.V. Class A Common Shares (PICS) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
Picpay Holdings Netherlands N.V. Class A Common Shares is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 9.1B with 94% growth year-over-year. Profit margins are thin at 3.7%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Revenue growing at 94% YoY, reaching 9.1B. This pace significantly outperforms most SOFTWARE - INFRASTRUCTURE peers.
Generating 1.1B in free cash flow and 1.3B in operating cash flow. Earnings are translating into actual cash generation.
Profit margin at 3.7% is thin. While this is common for high-growth companies, margins need to expand as growth naturally decelerates.
What to Watch Next
Margin expansion: can Picpay Holdings Netherlands N.V. Class A Common Shares push profit margins above 15% as the business scales?
Growth sustainability: can Picpay Holdings Netherlands N.V. Class A Common Shares maintain 94%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact Picpay Holdings Netherlands N.V. Class A Common Shares.
Bottom Line
Picpay Holdings Netherlands N.V. Class A Common Shares is a high-conviction growth story with revenue accelerating at 94% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin 3.7% margins and premium valuation suggest patience until the unit economics mature further.
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
Data sourced from SEC Form 4 filings
Last updated: 10:00:52 AM
About Picpay Holdings Netherlands N.V. Class A Common Shares(PICS)
NASDAQ
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
Picpay Holdings Netherlands N.V., trading under the ticker PICS, is a prominent digital payments platform based in Brazil, engineered to facilitate seamless financial transactions for both consumers and merchants. Leveraging innovative technology, Picpay integrates social features that enhance user engagement and drives exponential growth in its user base. The company's robust ecosystem encompasses digital wallets, peer-to-peer payment solutions, and a diverse range of financial services, positioning it competitively within the fintech landscape. With a focus on financial inclusion and user-centric design, Picpay is well-positioned to capitalize on the ongoing digital transformation in consumer finance, making it an attractive consideration for institutional investors seeking exposure to the booming Latin American fintech market.