PicS
Combines payments, consumer banking, merchant services, and ecosystem products in Brazil.
Something off on this page? Send us feedback.
Profile
Built from a digital wallet, the platform provides payments, banking, credit distribution, insurance and investment distribution for consumers and small businesses in Brazil. Consumer Banking anchors four reportable business lines, alongside SMB, Audiences and Ecosystem Integration, and Institutional activities.
Built from a digital wallet, the platform handles Pix, person-to-person transfers, bill payments, card-funded transactions, lending, and distribution of third-party credit, insurance, and investments for consumers in Brazil. Its consumer offering also includes everyday experiences.
Small and Medium-Sized Businesses earns from accepting PicPay payments and corporate-benefit-card interchange. Audiences and Ecosystem Integration includes PicPay Ads and other engagement products that use the consumer and merchant base.
Institutional covers corporate funding, liquidity, financial-investment, and capital-allocation activities. Credit is a major growth driver, while the planned acquisition of insurance distributor Kovr remains subject to regulatory approval.
Company facts
Categories
Key statistics
Year to date −47.3% · Average volume (30d) 462.6K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 26, 2026 | Mizuho Securities | Target | $18 | $16 | |
| Aug 25, 2026 | RBC Capital | Reiterate | Outperform | $18 | $16 |
| Jun 3, 2026 | Mizuho Securities | Target | $30 | $18 | |
| Jun 3, 2026 | RBC Capital | Reiterate | Outperform | $20 | $18 |
| Jun 3, 2026 | Wolfe Research | Target | $15 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 24, 2026Q2 FY26 | $0.40 | $0.44 | +11.1% | $687.9M | $800.6M | +16.4% | −0.46% |
| Jun 2, 2026Q1 FY26 | $1.13 | $0.27 | −76.1% | $584.6M | $694.4M | +18.8% | −19.16% |
| Mar 18, 2026Q4 FY25 | $0.24 | $0.17 | −29.2% | $520.9M | $571.9M | +9.8% | −22.49% |
| Jan 5, 2026 | — | $0.15 | — | — | $526.5M | — | — |
Financial highlights
| 9 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $277.9M | $446.0M | $504.1M | $364.6M | $674.8M | $818.7M | |
| Gross profit | $277.9M | $167.2M | $188.3M | $364.6M | $579.2M | $439.0M | |
| Operating income | $0 | $20.4M | $32.3M | $0 | $290.3M | $57.4M | |
| Net income | $16.9M | $20.0M | $17.9M | $157.7M | $29.1M | $53.1M | |
| Diluted EPS | $0.13 | $0.15 | $0.14 | $1.48 | $0.22 | $0.41 | |
| Gross margin | 100.0% | 37.5% | 37.4% | 100.0% | 85.8% | 53.6% | |
| Operating margin | 0.0% | 4.6% | 6.4% | 0.0% | 43.0% | 7.0% |
Fiscal years (4-quarter sums)FY25 $1.59B
Balance sheet, Jun 30, 2026Cash & short-term investments $1.04B · Total debt $6.88B · Total assets $10.01B · Shareholders' equity $1.21B
Dividends
No dividends on record.
Ownership
Shares outstanding 129.59M · Float 22.15M · 17.1% free float
A Form 4 total here can count shares the filer formally disclaims — an award voted by proxy, for instance — which the holder's own Schedule 13D/G excludes, so where the two disagree the schedule's smaller figure is used.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Wesley Mendonca Batista | 96.59M | 74.50% | 13G | May 15, 2026 |
| Jose Antonio Batista Costa | 4.27M | 9.90% | 13G | May 15, 2026 |
| Costa Jose Antonio Batista · director | 4.27M | 3.29% | Form 4 | Jun 12, 2026 |
| Goldman Sachs Group Inc | 3.66M | 2.82% | 13F | May 15, 2026 |
| Anderson Chamon | 3.20M | 7.40% | 13G | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 10, 2026 | Costa Jose Antonio Batista | director | +18,500 | $9.47 |
| Jun 11, 2026 | Cazotto Andre Augusto | officer: IR, Strategy and M&A Officer | +49,500 | $9.41 |
| Jun 8, 2026 | Costa Jose Antonio Batista | director | +21,130 | $9.42 |
| Jun 9, 2026 | Costa Jose Antonio Batista | director | +20,800 | $9.73 |
| Jun 5, 2026 | William Rodney Pruett | director | +25,000 | $9.10 |
Peers
- Nu
Brazilian digital banking, Pix, card, and consumer-credit rival
- MercadoLibre
Mercado Pago overlaps in wallets, acquiring, cards, and credit
- PagSeguro Digital
PagBank combines digital banking with merchant payment acceptance
- Inter & Co
Financial super-app spanning banking, Pix, credit, and shopping
- StoneCo
Merchant fintech for payment acceptance, banking, and credit
- Itaú Unibanco (ADR)
Large incumbent bank in retail banking, cards, Pix, and acquiring
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| PicS | $10.09 | +0.68% | $1.30B | 4.5 | 20.1 | 0.5 | — |
| Nu | $14.32 | +0.21% | $69.26B | 19.3 | 14.4 | 3.6 | +66.0% |
| MercadoLibre | $1,962.01 | −0.29% | $99.68B | 53.5 | 45.6 | 2.8 | +50.2% |
| PagSeguro Digital | $8.92 | +0.22% | $2.57B | 6.2 | 6.4 | 0.7 | +8.8% |
| Inter & Co | $5.39 | 0.00% | $2.38B | 8.0 | 8.2 | 0.7 | −18.0% |
| StoneCo | $9.70 | 0.00% | $2.36B | 3.9 | 5.7 | 0.9 | +14.3% |
| Itaú Unibanco (ADR) | $7.50 | +0.13% | $82.66B | 9.6 | 9.9 | — | −51.6% |
| Median | 8.8 | 9.0 | 0.9 | +11.5% |