--- title: "Assessing PicS (PICS) Valuation After Recent Share Price Weakness" description: "PicS (PICS), a Brazil-focused digital financial services platform, has seen a 4.8% drop in share price over the past day and a 9.6% decline over the past week, contributing to a year-to-date decline o" type: "news" locale: "en" url: "https://longbridge.com/en/news/276064375.md" published_at: "2026-02-16T14:55:50.000Z" --- # Assessing PicS (PICS) Valuation After Recent Share Price Weakness > PicS (PICS), a Brazil-focused digital financial services platform, has seen a 4.8% drop in share price over the past day and a 9.6% decline over the past week, contributing to a year-to-date decline of 27.3%. Currently trading at $13.81, PicS has a P/E ratio of 27.7x, higher than the US Diversified Financial industry average of 15.8x, indicating it may be overvalued. Despite recent profit growth, regulatory changes could impact margins. A DCF model suggests a fair value of $3.95, further supporting the overvaluation narrative. ## Why PicS (PICS) is catching investor attention today PicS (PICS), the Brazil focused digital financial services platform, has been drawing attention after recent share price pressure, including a 4.8% move over the past day and a 9.6% decline over the past week. See our latest analysis for PicS. That short term weakness sits within a broader picture where the year to date share price return is a 27.3% decline. Recent selling pressure appears to be reinforcing a fading momentum story at the current US$13.81 share price level. If this pullback has you looking around the market, it could be a good time to widen your watchlist with our screener of 23 top founder-led companies. With PicS trading at US$13.81 after a 27.3% year-to-date decline, the key question is whether that weakness reflects a bargain on a digital finance platform with R$9,050.091 in revenue, or if markets are already pricing in its future growth. ## Price-to-Earnings of 27.7x: Is it justified? On a P/E of 27.7x at a $13.81 share price, PicS trades at a richer earnings multiple than the wider US Diversified Financial industry, where the average is 15.8x. It sits below a peer group average of 55.3x. The P/E ratio compares the share price to earnings per share and is often used to gauge how much investors are willing to pay for each unit of current profit. For a digital financial services company like PicS, which operates a broad platform in Brazil, that multiple can reflect what the market expects from its earnings profile and business model. PicS has moved from losses to profit over the past five years, with earnings growing by 78% per year over that period and 93.4% over the last year. That recent earnings growth has outpaced the 9.1% growth rate reported for the wider Diversified Financial industry. Against that backdrop, a 27.7x P/E may indicate investors are paying up for a business that has recently delivered rapid profit growth, even if its 13.5% Return on Equity is described as low by our framework and its value score of 1 signals that the current price embeds firm expectations. Compared to the US Diversified Financial industry average P/E of 15.8x, PicS trades on a much higher multiple, which suggests the market is assigning it a premium relative to the sector. It is still marked below the 55.3x peer average that some closer comparators command. That positioning shows investors are not treating PicS as the most expensive stock in its peer set, but they are also not pricing it in line with the broader industry. See what the numbers say about this price — find out in our valuation breakdown. **Result: Price-to-Earnings of 27.7x (OVERVALUED)** However, the narrative could be challenged if Brazil focused regulatory changes squeeze digital financial services margins, or if the current 27.7x P/E becomes harder for investors to justify. Find out about the key risks to this PicS narrative. ## Another view using our DCF model While the 27.7x P/E suggests PicS is priced richly against the broader industry, our DCF model points in the same direction, with an estimated future cash flow value of $3.95 compared with the current $13.81 share price. If both signals are flashing expensive, what could change that story? Look into how the SWS DCF model arrives at its fair value. Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out PicS for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 54 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. ## Build Your Own PicS Narrative If this take on PicS does not quite match your view or you would rather rely on your own analysis, you can build a personalised thesis in just a few minutes: Do it your way. A great starting point for your PicS research is our analysis highlighting 1 key reward and 1 important warning sign that could impact your investment decision. ## Looking for more investment ideas? If PicS is already on your radar, do not stop there. The screener can quickly surface other opportunities that fit your style before the crowd pays attention. - Target quality at a discount by checking our list of 54 high quality undervalued stocks that combine stronger fundamentals with prices the market may be overlooking. - Strengthen your income stream by scanning 13 dividend fortresses that focus on higher yields with an emphasis on stability. - Sleep easier at night by reviewing 83 resilient stocks with low risk scores that score well on financial resilience and lower risk factors. *This article by Simply Wall St is general in nature. **We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.** It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.* ### **New:** Manage All Your Stock Portfolios in One Place We've created the **ultimate portfolio companion** for stock investors, **and it's free.** • Connect an unlimited number of Portfolios and see your total in one currency • Be alerted to new Warning Signs or Risks via email or mobile • Track the Fair Value of your stocks Try a Demo Portfolio for Free ### Related Stocks - [PICS.US - PicS NV](https://longbridge.com/en/quote/PICS.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | 阿里 (9988) 千問春節「一句話下單」近 2 億次，雞蛋成熱門商品？ | 阿里巴巴的人工智慧助手千問在春節期間實現了近 2 億次的「一句話下單」功能，平均每 10 人中就有 1 人使用該功能。雞蛋成為最受歡迎的商品，總下單量超過 3,000 噸。此外，奶茶、水果茶和咖啡也受到消費者青睞，分別下單 5,520 萬杯 | [Link](https://longbridge.com/en/news/276678587.md) | | 綠科科技國際 (0195) 盈喜，2025 年上半年溢利預計按年大增逾 280% | 綠科科技國際發布盈利預喜，預計 2025 年上半年擁有人應佔溢利將不少於 6,000 萬港元，較 2024 年同期的 1,580 萬港元增長超過 280%。增長主要受錫價及產品銷量上升推動，但部分增長被同期擴大的匯兑虧損抵銷。 | [Link](https://longbridge.com/en/news/276557251.md) | | Engie 全面投入使用巴西光伏綜合體 | Engie 完全投入運營巴西光伏綜合體 | [Link](https://longbridge.com/en/news/276684370.md) | | 是時候抄底了？奧本海默上調甲骨文評級：大跌之後即是買入機會 | 甲骨文年初至今跌超 25%，奧本海默將評級從 “與大盤持平” 上調至 “跑贏大盤”，設 185 美元目標價。分析師指出，自 9 月市盈率已下降一半以上，風險回報比極為有利。伯恩斯坦壓力測試顯示，即便 AI 業務歸零，核心業務仍支撐 137 | [Link](https://longbridge.com/en/news/276900810.md) | | 巴西股市被熱捧：1 月大漲 17%、外資流入超去年全年、投資大佬重倉 | 德魯肯米勒去年四季度精準抄底巴西，大舉買入 350 萬股巴西 ETF 及看漲期權。今年 1 月該 ETF 飆漲 17%，創三年最佳表現。美元走弱、商品漲價、降息預期三重利好下，外資流入規模達 340 億雷亞爾，全球資金競相押注這一被低配的新 | [Link](https://longbridge.com/en/news/276530245.md) | --- > **Disclaimer**: This article is for reference only and does not constitute any investment advice.