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PagSeguro USD

Update

Sector: Fintech / payments

BR_PAGS

Price chart

8.87 USDDay -1.00%

Key metrics

Net debt (table and EV/EBITDA): |short-term borrowings| + |long-term borrowings| + |other financial liabilities| when extracted + |non-controlling interest| when extracted − |cash and equivalents|; amounts in millions of the reporting currency.

Market

Price
8.87 USD · -1.00%
Market cap
2.5 bn USD

Growth

Δ revenue y/y
3.2%
Δ EBITDA y/y
9.2%

Multiples

P/E (LTM)
4.3x
3y avg: 7.4x
P/B (FY)
0.9x
P/E (ann.)
6.4x
EV/EBITDA (LTM)
3.8x
3y avg: 6.0x
EV/EBITDA (ann.)
5.7x

Cash return

Dividend yield
4.3%
FCF yield (LTM)
31.0%

Value creation

fundamental value/yr, % of market cap
Value created / year
-27.0%
↓ details

Liquidity

Daily turnover (listing)
23.6 mln USD

Shares: yahoo_fundamentals_timeseries/PAGS

🔍 Sanity check — subtotal consistency (Level-1 + Level-2) OK: 7 / Warn: 0 / Err: 1 / Autofix applied: 0
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2023-12-31 FY✓OK
2024-12-31 FY✗Errors 1
2025-03-31 Q1✓OK
2025-06-30 Q2✓OK
2025-09-30 Q3✓OK
2025-12-31 FY✓OK
2025-12-31 Q4✓OK
2026-03-31 Q1✓OK
✓ All checks pass · ⚠ Has warnings (review) · ✗ Has errors (needs fix) · ✓* Autofix applied (see evidence)

Financial dynamics

Monetary columns are in M USD, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.

DatePeriodStatusRevenueM USDOperating profitM USDD&AM USDEBITDAM USDNet profitM USDOperating CFM USDCapex + M&AM USDAssetsM USDEquityM USDROE (annualized)Net debtM USDSource
2026-03-31Q1 2026 (3M)OK894.8
y/y 3.2%
359.1
y/y 10.2%
82.6
y/y 5.2%
441.7
y/y 9.2%
97.5
y/y 3.9%
166.2-101.213439.5
y/y 8.7%
2595.9
y/y -2.8%
15.0%7573.9Link
2025-12-31Q4 2025 (3M)OK2735.9
y/y —
1073.2
y/y —
241.3
y/y —
1314.4
y/y —
279.6
y/y —
961.6-315.413301.4
y/y -1.7%
2617.0
y/y -3.9%
14.3%7374.0Link
2025-09-30Q3 2025 (3M)OK912.6
y/y —
371.1
y/y —
81.9
y/y —
453.0
y/y —
99.1
y/y —
390.2-91.712921.7
y/y —
2661.4
y/y —
5.0%7225.6Link
2025-06-30Q2 2025 (3M)OK904.2
y/y —
351.9
y/y —
80.8
y/y —
432.6
y/y —
96.0
y/y —
399.6-94.612726.4
y/y —
2607.0
y/y —
14.5%7060.3Link
2025-03-31Q1 2025 (3M)OK867.0
y/y —
326.0
y/y —
78.5
y/y —
404.5
y/y —
93.9
y/y —
217.4-115.912359.0
y/y —
2671.2
y/y —
13.9%6667.5Link
2024-12-31FY 2024 (12M)OK3490.7
y/y 9.3%
1194.1
y/y 5.5%
297.1
y/y 9.5%
1491.2
y/y 6.3%
392.8
y/y 18.6%
-634.0-430.713528.8
y/y 22.6%
2722.1
y/y 2.7%
14.6%7370.0Link
2023-12-31FY 2023 (12M)OK3193.2
y/y —
1131.9
y/y —
271.4
y/y —
1403.3
y/y —
331.1
y/y —
800.8-398.111033.8
y/y —
2651.1
y/y —
—4977.8Link
Data quality No obvious scale, balance-sheet, or cash-flow sanity issues in the displayed periods.

Revenue & EBITDA

RevenueEBITDA

Quarterly values ($ mln)

01 0002 0003 0002023 FY2024 FY2025 q12025 q22025 q32025 q42026 q1

Year-over-year change

0%2%5%8%10%2023 FY2024 FY2025 q12025 q22025 q32025 q42026 q1

Cash flow

FCF ($ mln)

-1 000-50005002023 FY2024 FY2025 q12025 q22025 q32025 q42026 q1

Net debt / cash ($ mln)

02 0004 0006 0008 0002023 FY2024 FY2025 q12025 q22025 q32025 q42026 q1

Revenue growth & acceleration

Growth decelerating ▼
Last-year revenue growth +5% vs +9% the year before — a -4.8 pp move. 3-year CAGR +7%.
revenue growth by year: 2023 +8% · 2024 +9% · 2025 +5%
The growth-acceleration signal behind the GARP+acceleration strategy — it favours companies whose revenue growth is speeding up and flags those slowing down (the second derivative of growth).

Fundamental value creation

Value the company creates per year, as a % of market cap

Value created per year: -26.9%

How this was calculated
1. EBITDA growth (latest quarter YoY, annualised)
[EBITDA latest qtr − EBITDA year-ago qtr] × annualisation X (2026-03-31 vs 2025-03-31)
= (442 − 405) × 4.09
38
2. Current EV/EBITDA (LTM)
(Market cap + Net debt) ÷ EBITDA (LTM)
= (2 481 + 7 574) ÷ 1 805
5.6x
3. Target multiple
(Current EV/EBITDA + 7) ÷ 2
= (5.6 + 7) ÷ 2
6.3x
4. Cash flow (balance method, LTM)
Net-debt reduction + dividends + buybacks − equity issuance
= -906 + 0 + 0 − 0
-906
5. Value created per year
(EBITDA growth × Target multiple + Cash flow − Dilution) ÷ Market cap
= (38 × 6.3 + -906) ÷ 2 481
-26.9%

Amounts in millions of the reporting currency. EBITDA growth is the latest quarter vs the same quarter a year ago, annualised.

Caveats:

Dividends

Paid (completed)

DatePer shareDetailsStatusSource
2026-04-220.26 USDEx-dividend: 0.26 USD per sharePaidYahoo Finance (ex-div)
2025-07-160.12 USDEx-dividend: 0.12 USD per sharePaidYahoo Finance (ex-div)
2025-05-230.14 USDEx-dividend: 0.14 USD per sharePaidYahoo Finance (ex-div)

KASE: status follows wording in the news headline (paid vs intends to pay). Yahoo: amounts are cash dividends per share on ex-dividend dates (UTC calendar date). stockscope.uz (UZ): amounts are per share in UZS by publication date (not necessarily ex-div).

Investor reporting (IR): https://investors.pagbank.com/

Reporting forms detected in loaded periods: ✓ ✓ ✓ (Balance sheet / Profit or loss (P&L) / Cash flows)