NYSE
PAGS
Last Price
US $9.05
KEY FIGURES
MKT CAP
$2.6B
EPS
TTM
$7.65
PEG
TTM
N/M
P/E
TTM
6.38x
P/S
TTM
0.14x
YIELD
6.84%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
PagSeguro Digital Ltd. cash flow to debt ratio of 5.81% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
PagSeguro Digital Ltd.'s free cash flow has increased -127.09% from $-5.74G last year to $1.55G, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
PagSeguro Digital Ltd.'s debt to equity ratio is 3.19, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
PagSeguro Digital Ltd.'s debt has increased relative to shareholder equity from 2.77 last year to 3.19 today, signaling weakened financials
Financial risk - Net debt/EBITDA.
PagSeguro Digital Ltd. has a net debt to EBITDA ratio of 4.52x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial risk - ICR.
PagSeguro Digital Ltd.'s interest coverage ratio is 1.46, which means that the company struggles to meet interest obligations, signaling financial risk.
Financial risk - Profit margin growth.
PagSeguro Digital Ltd.'s profit margin has decreased (-6.56%) in the last year from 11.54% to 10.79%, signaling decreasing performance
Financial stability - Short term assets vs short term liabilities.
PagSeguro Digital Ltd.'s short-term assets of $64.90G exceed its short-term liabilities of $47.76G
Decreasing performance - ROA.
PagSeguro Digital Ltd.'s return on assets of 2.88% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
PagSeguro Digital Ltd.'s return on equity of 14.62%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
PagSeguro Digital Ltd.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
PagSeguro Digital Ltd. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
PagSeguro Digital Ltd. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
PagSeguro Digital Ltd. has a free cash flow yield of 59.28%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Decreasing performance - Healthy earnings growth.
PagSeguro Digital Ltd.'s yearly earnings has decreased -1.87% since last year from $2.12G to $2.08G, signaling decreasing performance
Increasing performance - Healthy revenue growth.
PagSeguro Digital Ltd.'s yearly revenue has increased 5.57% since last year from $18.33G to $19.36G, signaling increasing performance
Increasing performance - ROIC.
ROIC 9.92% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
PagSeguro Digital Ltd.'s 3-year revenue CAGR of 8.49% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
PagSeguro Digital Ltd. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
PagSeguro Digital Ltd. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
PagSeguro Digital Ltd. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
PagSeguro Digital Ltd. has an earnings yield of 84.38%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
PagSeguro Digital Ltd. is undervalued relative to its fair value price of 70.43 based on EBITDA multiple model
Undervalued - EV/EBITDA.
PagSeguro Digital Ltd. has an EV/EBITDA ratio of 6.04x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
PagSeguro Digital Ltd. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
PagSeguro Digital Ltd. has a price-to-book ratio of 0.91x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
PagSeguro Digital Ltd. has a price-to-sales ratio of 0.69x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
14.62%
Return on equity
ROIC: 9.92%
Valuation History
6.4X
Price to Earnings
EV/EBITDA: 6.0X
Cash flow
Profit margin
23.69%
(FY vs FY)
EBITDA Y/Y
34.83%
(FY vs FY)
Cash flow Y/Y
71.06%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $9.05
—
Default assumptions
EBITDA Multiple
Fair Value
Market $9.05
678.23%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.