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PAGS · NYSE · United States · Services-Computer Processing & Data Preparation
In shortPagSeguro Digital Ltd. is profitable, burns cash and carries moderate debt, with revenue growing (+17.9% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 11.3% | 65/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 15.2% | 76/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | – | n/a |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.51× | 59/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.62× | 77/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | – | n/a |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | – | n/a |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -24.2% | 0/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | -2.15× | 0/100 |
| Years with positive free cash flow (last 5) | 3 of 5 | 50/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 20.9% | 34/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 21.6% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | 23.6% | 100/100 |
Weight in the score: 10%
Fiscal year 2024 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
BRL millions; negative values in parentheses.
| Fiscal year | FY20 | FY21 | FY22 | FY23 | FY24 |
|---|---|---|---|---|---|
| Revenue | 6,815 | 10,449 | 15,335 | 15,948 | 18,810 |
| Cost of revenue | 3,772 | 5,776 | 7,471 | 8,133 | – |
| Gross profit | 3,042 | 4,673 | 7,864 | 7,816 | – |
| Interest expense | 109 | 791 | 3,152 | 3,270 | 3,747 |
| Pre-tax income | 1,775 | 1,488 | 1,759 | 2,017 | 2,380 |
| Income tax | 482 | 322 | 255 | 363 | 264 |
| Net income | 1,292 | 1,166 | 1,505 | 1,654 | 2,116 |
| Diluted EPS | BRL3.92 | BRL3.51 | BRL4.57 | BRL5.10 | BRL6.62 |
| Diluted shares (millions) | 329,814 | 332,175 | 329 | 324 | 320 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: a required balance-sheet item is missing.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Apr 29, 2025