PagSeguro Digital Ltd. (PAGS): one to watch?

Cheap and still profitable, but stuck in a brutal price war and Brazil's currency/rate mess — no clear catalyst to re-rate it yet.

👀 WATCH Fundamentals65/100

Down 85% from its all-time high of $61.82 — now $9.58

Why PAGS dropped

PAGS crashed from 2021 highs and has stayed low for years due to intense competition among Brazilian payment/fintech companies squeezing margins, plus Brazil's high interest rates and a weakening real hurting reported USD results — not a single event, but a multi-year structural grind.

Fwd P/E 5.1Op margin 37.3%Rev growth 1.5%Debt/equity 17.6%Analyst upside 23.8%

How this scored 65/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 10.8%

✅ Generates cash Free cash flow $5.2B

✅ Not drowning in debt Debt/equity 17.6% (limit 200%)

✅ Can pay its bills Current ratio 1.4 (needs 1+)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 17/25

Operating margin 37.3% 9/9

Net profit margin 10.8% 4/8

Return on equity 14.5% 4/8

Growth Is it getting bigger, or dying? 14/25

Revenue growth 1.5% 2/9

Earnings growth 12.2% 4/8

Expected profit change 33.6% 8/8

Value Is it cheap right now? 15/25

Forward P/E 5.1 10/10

PEG ratio unknown 2/8

Analyst target upside 23.8% 3/7

Balance sheet Will it survive? 19/25

Debt / equity 17.6% 10/10

Current ratio 1.4 2/8

Free cash flow $5.2B 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-07-22. Research only — not financial advice.