BVMF/PAGS34 (BVMF/PAGS34)

Brazil Stock Exchange: BVMF/PAGS34 · BRL

R$8.65

-0.35 (-3.9%)· Recorded snapshot

Market cap	12.1B
Revenue (ttm)	19.8B
Net income (ttm)	2.2B
EPS (ttm)	R$1.55
P/E (trailing)	5.6x
P/E (forward)	4.7x
Dividend	R$0.65 (7.57%)
Volume	556,900
Beta	1.24

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 19.8B
Net income (ttm): 2.2B
EPS (ttm): R$1.55
P/E (trailing): 5.6x
P/E (forward): 4.7x
Market cap: 12.1B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E4.7

P25 n/aP50 n/aP75 n/a

Trailing P/E5.6

P25 n/aP50 n/aP75 n/a

ROE14.5

P25 n/aP50 n/aP75 n/a

ROIC40.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/PAGS34 indicators

Market & fundamental data

Available fields

247

Groups with data

Currency

BRL

Showing 247 of 247 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BRL
Country	Cayman Islands
Country code	BR
Earnings date	2026-11-12
Employees	6,751
Employees change	5,597
Employees growth	485.01%
Enterprise value	BRL 12.5B
Exchange	Brazil Stock Exchange
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	2006
Industry	Software - Infrastructure
Is primary listing	No
ISIN number	BRPAGSBDR006
Last earnings date	2025-11-13
Last refreshed	2026-10-29
Market cap	BRL 12.1B
Next earnings date	2026-11-12
Price	BRL 8.65
Price currency	BRL
Sector	Technology
SIC code	7374
Stock price date	2026-10-28
Symbol	bvmf/PAGS34
Website	https://pagbank.com.br

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	29.31x
Average P/E ratio (3Y)	8.16x
Average P/E ratio (5Y)	14.94x
Earnings yield	17.89%
EV/Earnings	5.8x
EV/EBIT	1.61x
EV/EBITDA	1.29x
EV/FCF	2.44x
EV/Sales	0.61x
FCF / EV yield	40.95%
FCF yield	42.32%
Forward P/E	4.71x
Graham number	19.31914
Graham upside	123.34%
Lynch fair value	BRL 19.61
Lynch upside	126.67%
P/(FCF - SBC) ratio	2.42x
P/(OCF - SBC) ratio	2.04x
P/B ratio	0.8x
P/E ratio	5.59x
P/FCF ratio	2.36x
P/OCF ratio	2x
P/S ratio	0.61x
Price / tangible book value	1.03x
Price/EBITDA ratio	1.3x
Sector P/E	12.66x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	37.76%
EBITDA margin	47.01%
Effective tax rate	17.3%
FCF margin	25.8%
Gross margin	51.47%
Operating margin	37.76%
Pretax margin	13.13%
Profit margin	10.86%
Profit per employee	BRL 318,636
Profitable quarters	38
Profitable years	11
Revenue per employee	BRL 2.9M
ROA	6.36%
ROA (5Y)	6.42%
ROCE	22.52%
ROE	14.53%
ROE (5Y)	13.61%
ROIC	40.85%
ROIC (5Y)	36.51%
SBC / revenue	0.64%
Tax / revenue	2.27%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	6.11%
EPS growth (Q)	10.07%
EPS growth (QoQ)	1.88%
EPS growth 10Y	54.14%
EPS growth 3Y	16.56%
EPS growth 5Y	15.92%
EPS growth quarters	2
EPS growth years	4
FCF growth	365.31%
FCF growth (Q)	-61.05%
FCF growth (QoQ)	14.11%
FCF growth 3Y	17.46%
Gross profit growth	7.32%
Gross profit growth (Q)	1.4%
Gross profit growth 3Y	9.96%
Gross profit growth 5Y	23.37%
Net income growth	-1.87%
Net income growth (Q)	2.3%
Net income growth (QoQ)	0.65%
Net income growth 3Y	11.72%
Net income growth 5Y	12.72%
Net income growth quarters	2
Net income growth years	4
OCF growth	179.78%
OCF growth (Q)	-54.88%
OCF growth (QoQ)	8.46%
OCF growth 10Y	81.55%
OCF growth 3Y	15.82%
OCF growth 5Y	34.14%
Operating income growth	12.07%
Operating income growth (Q)	-1.9%
Operating income growth 3Y	11.55%
Operating income growth 5Y	35.3%
Revenue growth	2.56%
Revenue growth (Q)	-0.21%
Revenue growth (QoQ)	2.06%
Revenue growth 10Y	50.87%
Revenue growth 3Y	8.85%
Revenue growth 5Y	19.23%
Revenue growth quarters	11
Revenue growth years	10

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -940.9M
Depreciation and amortization	BRL 1.8B
EBIT	BRL 7.5B
EBITDA	BRL 9.3B
EPS	BRL 1.55
Financing cash flow	BRL -4.1B
Free cash flow	BRL 5.1B
Free cash flow minus SBC	BRL 5B
Gross profit	BRL 10.2B
Income taxes	BRL 450M
Investing cash flow	BRL -2.4B
Net borrowing	BRL -2B
Net cash flow	BRL -504.5M
Net income	BRL 2.2B
Operating cash flow minus SBC	BRL 5.9B
Operating income	BRL 7.5B
Revenue	BRL 19.8B
Stock-based compensation	BRL 125.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	1.33
Book value per share	BRL 54.48
Debt / EBITDA	0.19
Debt / equity	0.12
Debt / FCF	0.35
Goodwill	BRL 227.1M
Interest coverage	1.53
Long-term assets	BRL 9.8B
Long-term liabilities	BRL 18.2B
Net cash (debt)	BRL -388.7M
Net cash / market cap	-3.22%
Net debt / EBITDA	0.04
Net debt / equity	0.03
Net debt / FCF	0.08
Piotroski F-Score	6
Property, plant and equipment	BRL 2.6B
Shareholders' equity	BRL 15B
Tangible book value	BRL 11.8B
Tangible book value per share	BRL 42.72
Total assets	BRL 75.7B
Total cash	BRL 1.4B
Total debt	BRL 1.8B
Total liabilities	BRL 60.7B
WACC	38.95%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.27
Current assets	BRL 65.9B
Current liabilities	BRL 42.5B
Current ratio	1.55
Net working capital	BRL 23.7B
Quick ratio	1.44
Working capital	BRL 23.4B
Working capital turnover	0.95

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	7.51%
Dividend growth	0%
Dividend growth years	0
Dividend payment date	2026-10-06
Dividend payment years	2
Dividend payout frequency	Quarterly
Dividend per share	BRL 0.65
Dividend yield	7.57%
Ex-dividend date	2026-09-15
Last dividend	BRL 0.28
Payout ratio	42.59%
Shareholder yield	15.08%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	BRL 9.74
1D price change	-3.89%
1M price change	-7.29%
1M total return	-7.29%
1W price change	-27.07%
1W total return	-27.07%
1Y price change	-18.55%
1Y return CAGR	-13.52%
1Y total return	-13.51%
20-day SMA	BRL 10.53
200-day SMA	BRL 10.06
3M price change	-9.23%
3M total return	-6.75%
3Y price change	21.66%
3Y return CAGR	10.41%
3Y total return	34.59%
50-day SMA	BRL 9.92
50-day SMA vs 200-day SMA	50under200
52-week high	BRL 12.73
52-week high date	2026-01-29
52-week low	BRL 8.61
52-week low date	2026-10-28
5Y price change	-78.34%
5Y return CAGR	-24.86%
5Y total return	-76.04%
6M price change	-16.34%
6M total return	-14.05%
All-time high	BRL 73.65
All-time high date	2021-03-02
All-time low	BRL 6.95
All-time low date	2023-11-01
Average true range (ATR)	BRL 0.60
Average volume	657.5K
Beta (5Y)	1.24
Change from 52-week high	-32.05%
Change from 52-week low	0.46%
Change from all-time high	-88.26%
Change from all-time low	24.46%
Change from open	-3.35%
Day's gap	-0.56%
Dollar volume	BRL 4.8M
High price	BRL 8.95
Low price	BRL 8.61
Monthly RSI	37.54
Open price	BRL 8.95
Position in 52-week range	11.76%
Previous close	BRL 9.00
Price vs 150-day SMA	-11.23%
Price vs 20-day SMA	-17.83%
Price vs 200-day SMA	-14.05%
Price vs 50-day SMA	-12.83%
Relative volume	0.85
RSI	32.04
Sharpe ratio	0.06
Sharpe ratio (3Y)	0.3
Sharpe ratio (5Y)	-0.27
Sortino ratio	0.19
Sortino ratio (3Y)	0.54
Sortino ratio (5Y)	-0.29
Volume	556.9K
Weekly RSI	42.4
YTD price change	-20.28%
YTD total return	-15.35%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	141.1M
Shares change (QoQ)	-1.2%
Shares change (YoY)	-7.51%
Shares held by insiders	3.6%
Shares held by institutions	46.63%
Short ratio	5 days

Deeper analysis on BVMF/PAGS34

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BVMF/PAGS34 report

Is a complete BVMF/PAGS34 research report available?

No complete published report is available for bvmf/PAGS34 (BVMF/PAGS34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/PAGS34 (BVMF/PAGS34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/PAGS34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/PAGS34 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/PAGS34

Frequently asked questions