PagSeguro Digital
Combines merchant acquiring, digital accounts, cards, and credit for Brazilian businesses and consumers.
Something off on this page? Send us feedback.
Profile
Combines in-person and online acquiring, receivables settlement, digital accounts, cards, investments, and credit for Brazilian merchants and consumers. Revenue comes from payment transactions and merchant services alongside interest and fees from banking products, with substantially all operations in Brazil.
Connects Brazilian merchants and consumers through payment acceptance, acquiring, receivables prepayment, digital accounts and transfers, card issuing, investments, insurance, and credit. POS devices, online checkout, payment links, Pix, and cross-border payment services connect transactions with the PagBank account and banking ecosystem.
Builds around micro, small, and medium-sized businesses while also serving individual consumers. Its integrated app and internet-banking interface lets merchants accept payments, receive sales proceeds, manage cash, and add banking or credit products; deposits also provide funding for financial services.
Substantially all operations are in Brazil. PagSeguro Brazil and BancoSeguro operate under Central Bank oversight, UOL remains the controlling shareholder and an important service provider, and results depend on transaction activity, interest rates, credit underwriting, and card-network infrastructure.
Company facts
Categories
Key statistics
Year to date −8.0% · Average volume (30d) 2.6M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 23, 2026 | Jefferies | Initiate | Hold | $10.40 | ||
| Jul 17, 2026 | UBS | Reiterate | Buy | $14 | $12.50 | |
| Jan 29, 2026 | BTG Pactual | Target | $13 | |||
| Jan 28, 2026 | Banco Santander | Target | $14 | |||
| Jan 28, 2026 | UBS | Reiterate | Buy | $13 | $14 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 11, 2026Q2 FY26 | $0.39 | $0.41 | +5.4% | $1.00B | $979.4M | −2.2% | −1.91% |
| May 12, 2026Q1 FY26 | $0.40 | $0.39 | −2.5% | $952.6M | $962.1M | +1.0% | −11.76% |
| Mar 4, 2026Q4 FY25 | $0.42 | $0.43 | +2.4% | $956.5M | $982.8M | +2.7% | −4.54% |
| Nov 12, 2025Q3 FY25 | $0.36 | $0.36 | −0.1% | $953.0M | $921.5M | −3.3% | −0.53% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $905.1M | $939.6M | $944.4M | $1.02B | $901.5M | $937.6M | |
| Gross profit | $451.7M | $476.5M | $484.1M | $523.1M | $461.9M | $483.1M | |
| Operating income | $323.7M | $346.0M | $362.4M | $397.8M | $336.5M | $339.4M | |
| Net income | $100.9M | $103.1M | $106.5M | $97.9M | $102.8M | $105.5M | |
| Diluted EPS | $0.33 | $0.34 | $0.36 | $0.34 | $0.37 | $0.38 | |
| Gross margin | 49.9% | 50.7% | 51.3% | 51.3% | 51.2% | 51.5% | |
| Operating margin | 35.8% | 36.8% | 38.4% | 39.0% | 37.3% | 36.2% |
Fiscal years (4-quarter sums)FY21 $1.98B · FY22 $2.91B · FY23 $3.01B · FY24 $3.52B · FY25 $3.81B
Balance sheet, Jun 30, 2026Cash & short-term investments $266.4M · Total debt $8.95B · Total assets $14.54B · Shareholders' equity $2.88B
Dividends
Last raised to $0.26 from $0.14 in Apr 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Apr 22, 2026 | Apr 22 | Jun 1 | $0.26 | raised from $0.14 |
| Jan 28, 2026 | Jan 28 | Feb 27 | $0.12 | special dividend |
| Oct 6, 2025 | Oct 6 | Nov 3 | $0.12 | special dividend |
| Jul 16, 2025 | Jul 16 | Aug 15 | $0.12 | special dividend |
| May 23, 2025 | May 23 | Jun 6 | $0.14 |
Ownership
Shares outstanding 289.09M · Float —
Float — provider float is below the insider stake.
The provider's float is smaller than the insider stake it should exclude, so it is not shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Luis Frias · director | 121.84M | 42.15% | Form 4 | Mar 31, 2026 |
| BlackRock, Inc. | 14.10M | 8.90% | 13G | Jul 29, 2026 |
| Robeco Institutional Asset Management B.V. | 12.83M | 4.44% | 13F | Jul 21, 2026 |
| Artemis Investment Management LLP | 7.69M | 2.66% | 13F | Jul 23, 2026 |
| Point72 Asset Management, L.P. | 6.85M | 2.37% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 21, 2026 | da Silva Ricardo Dutra | officer: Principal Executive Officer | −25,000 | $9.27 |
| Jul 20, 2026 | da Silva Ricardo Dutra | officer: Principal Executive Officer | −25,000 | $9.24 |
| Jul 16, 2026 | da Silva Ricardo Dutra | officer: Principal Executive Officer | −25,000 | $9.17 |
| Jul 15, 2026 | da Silva Ricardo Dutra | officer: Principal Executive Officer | −24,160 | $9.22 |
| Jul 14, 2026 | da Silva Ricardo Dutra | officer: Principal Executive Officer | −25,000 | $9.25 |
Peers
- StoneCo
Direct Brazil SMB payments, banking, and credit overlap
- MercadoLibre
Mercado Pago spans acquiring, wallet, credit, and Brazil fintech
- Nu
Nubank pressures PagBank in Brazil accounts, cards, and credit
- Itaú Unibanco (ADR)
Bank-owned Rede contests acquiring and full-service banking
- Santander Brasil (ADR)
Santander Brasil links banking with Getnet merchant acceptance
- Inter & Co
Digital banking peer overlaps in accounts, credit, and marketplace
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| PagSeguro Digital | $8.92 | +0.22% | $2.57B | 6.2 | 6.4 | 0.7 | +8.8% |
| StoneCo | $9.70 | 0.00% | $2.36B | 3.9 | 5.7 | 0.9 | +14.3% |
| MercadoLibre | $1,962.01 | −0.29% | $99.68B | 53.5 | 45.6 | 2.8 | +50.2% |
| Nu | $14.32 | +0.21% | $69.26B | 19.3 | 14.4 | 3.6 | +66.0% |
| Itaú Unibanco (ADR) | $7.50 | +0.13% | $82.66B | 9.6 | 9.9 | — | −51.6% |
| Santander Brasil (ADR) | $5.81 | −0.17% | $43.50B | 10.8 | 9.1 | 1.1 | −54.6% |
| Inter & Co | $5.39 | 0.00% | $2.38B | 8.0 | 8.2 | 0.7 | −18.0% |
| Median | 10.2 | 9.5 | 1.1 | −1.8% |