---
title: "PagSeguro Digital Ltd. (PAGS.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/PAGS.US.md"
symbol: "PAGS.US"
name: "PagSeguro Digital Ltd."
industry: "交易及支付服務"
---

# PagSeguro Digital Ltd. (PAGS.US)

| Item | Detail |
|------|--------|
| Industry | 交易及支付服務 |
| Location | 美股市場 |
| Website | [agbank.com.br](https://agbank.com.br) |

## Company Profile

PagSeguro Digital Ltd.及其子公司提供金融和支付解決方案，服務于巴西及國際上的消費者、個體創業者、小微商戶和中小型企業。它提供數字銀行解決方案，包括存款、充值、債務管理服務、稅收徵收、匯款、ATM 取款以及各種在線和銷售點（POS）支付解決方案；卡片，包括借記卡、信用卡、現金卡和預付卡；以及信貸產品，包括 FGTS 提款、工資貸款、流動資金貸款和透支賬戶。該公司還提供保險服務，包括賬戶保險、卡片保險、家庭保險、商業保險、健康援助保險、壽險和信用人壽保險；投資服務，如投資和投資組合咨詢、金融教育、經紀、基金管理、財務管理和研究服務；並運營 Shopping PagBank，一...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-20T04:30:13.000Z

**Overall: C (0.53)**

**Industry**: Transaction and Payment Processing Services

| Metric | Value |
|--------|-------|
| Industry Ranking | 20 / 47 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 1.80% |  |
| Net Profit YoY | 1.42% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.15 |  |
| Dividend Ratio | 1.27% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 3.22B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 3.44B |  |


**Multi Score**: C

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 15.11% | A |
| Profit Margin | 11.35% | B |
| Gross Margin | 51.27% | B |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 1.80% | C |
| Net Profit YoY | 1.42% | C |
| Total Assets YoY | 9.87% | B |
| Net Assets YoY | 5.32% | B |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 881.15% | B |
| OCF YoY | 1.80% | C |

#### Operating Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.28 | D |

#### Debt Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 79.40% | E |


```chart-data:radar
{
  "title": "Longbridge Financial Score - PagSeguro Digital Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "15.11%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "11.35%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "51.27%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "1.80%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "1.42%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "9.87%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "5.32%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "881.15%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "1.80%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "D",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.28",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "E",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "79.40%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Toast (US.TOST) | B | A | A | B | A | A |
| 02 | Paymentus (US.PAY) | B | A | A | A | A | A |
| 03 | 萬事達 (US.MA) | A | B | B | E | C | B |
| 04 | Block (US.XYZ) | B | C | B | C | C | B |
| 05 | 傑克亨利 (US.JKHY) | A | B | B | B | C | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 8.23 | 3/49 | 7.64 | 7.17 | 6.61 |
| PB | 1.15 | 5/49 | 1.09 | 1.04 | 0.98 |
| PS (TTM) | 0.93 | 11/49 | 0.87 | 0.82 | 0.75 |
| Dividend Yield | 1.27% | 6/49 | 1.61% | 1.49% | 1.38% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-11T05:00:00.000Z

Total Analysts: **15**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 7 | 47% |
| Overweight | 1 | 7% |
| Hold | 6 | 40% |
| Underweight | 0 | 0% |
| Sell | 1 | 7% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 11.29 |
| Highest Target | 14.29 |
| Lowest Target | 8.00 |

## References

- [Company Overview](https://longbridge.com/en/quote/PAGS.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/PAGS.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/PAGS.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.