BCBA/PAGSD (BCBA/PAGSD)

Buenos Aires Stock Exchange: BCBA/PAGSD · USD

$2.98

-0.15 (-5.0%)· Recorded snapshot

Market cap	3.6T
Revenue (ttm)	5.7T
Net income (ttm)	615.1B
EPS (ttm)	$744
P/E (trailing)	6.2x
P/E (forward)	4.9x
Volume	4,640

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 5.7T
Net income (ttm): 615.1B
EPS (ttm): $744
P/E (trailing): 6.2x
P/E (forward): 4.9x
Market cap: 3.6T

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E4.9

P25 n/aP50 n/aP75 n/a

Trailing P/E6.2

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 BCBA/PAGSD indicators

Market & fundamental data

Available fields

224

Groups with data

Currency

BRL

Showing 224 of 224 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	ARS
Country	Cayman Islands
Country code	AR
Earnings date	2026-11-12
Employees	6,751
Employees change	5,597
Employees growth	485.01%
Enterprise value	$3.7T
Exchange	Buenos Aires Stock Exchange
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-10-10
Fiscal year end	December
Founded	2006
Industry	Software - Infrastructure
Is primary listing	No
ISIN number	AR0651353770
Last refreshed	2026-10-28
Market cap	$3.6T
Next earnings date	2026-11-12
Price	$2.98
Price currency	USD
Sector	Technology
SIC code	7374
Stock price date	2026-10-27
Symbol	bcba/PAGSD
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	16.22%
EV/Earnings	5.98x
EV/EBIT	1.66x
EV/EBITDA	1.33x
EV/FCF	2.52x
EV/Sales	0.63x
FCF / EV yield	39.73%
FCF yield	41.02%
Forward P/E	4.86x
Graham number	6.43941
Graham upside	116.45%
Lynch fair value	$6.54
Lynch upside	119.67%
P/(FCF - SBC) ratio	2.5x
P/(OCF - SBC) ratio	2.1x
P/B ratio	0.83x
P/E ratio	6.17x
P/FCF ratio	2.44x
P/OCF ratio	2.06x
P/S ratio	0.63x
Price / tangible book value	1.06x
Price/EBITDA ratio	1.34x

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	25.66%
Gross margin	51.47%
Operating margin	37.76%
Pretax margin	13.13%
Profit margin	10.86%
Profit per employee	$91.1M
Profitable quarters	38
Profitable years	11
Revenue per employee	$838.8M
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	$-269B
Depreciation and amortization	$526.5B
EBIT	$2.1T
EBITDA	$2.7T
EPS	$743.95
Financing cash flow	$-1.2T
Free cash flow	$1.5T
Free cash flow minus SBC	$1.4T
Gross profit	$2.9T
Income taxes	$128.7B
Investing cash flow	$-690.2B
Net borrowing	$-576.1B
Net cash flow	$-144.3B
Net income	$615.1B
Operating cash flow minus SBC	$1.7T
Operating income	$2.1T
Revenue	$5.7T
Stock-based compensation	$36B

Financial strength

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

Metric	Value
Altman Z-Score	1.33
Book value per share	$15,577.70
Debt / EBITDA	0.19
Debt / equity	0.12
Debt / FCF	0.35
Goodwill	$65.3B
Interest coverage	1.53
Long-term assets	$2.7T
Long-term liabilities	$5.1T
Net cash (debt)	$-111.2B
Net cash / market cap	-3.12%
Net debt / EBITDA	0.04
Net debt / equity	0.03
Net debt / FCF	0.08
Piotroski F-Score	6
Property, plant and equipment	$734.5B
Shareholders' equity	$4.3T
Tangible book value	$3.4T
Tangible book value per share	$12,215.30
Total assets	$21.6T
Total cash	$396.5B
Total debt	$507.7B
Total liabilities	$17.4T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.27
Current assets	$18.9T
Current liabilities	$12.2T
Current ratio	1.55
Net working capital	$6.8T
Quick ratio	1.44
Working capital	$6.7T
Working capital turnover	270.39

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	7.51%
Payout ratio	42.59%
Shareholder yield	7.51%

Performance and technicals

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

Metric	Value
150-day SMA	$3.32
1D price change	-4.95%
1M price change	-6.3%
1M total return	-6.3%
1W price change	-27.53%
1W total return	-27.53%
1Y price change	-7.89%
1Y return CAGR	-7.9%
1Y total return	-7.89%
20-day SMA	$3.64
200-day SMA	$3.40
3M price change	-7.03%
3M total return	-7.03%
50-day SMA	$3.39
50-day SMA vs 200-day SMA	50under200
52-week high	$4.21
52-week high date	2026-01-29
52-week low	$2.67
52-week low date	2026-10-26
6M price change	-16.08%
6M total return	-16.08%
All-time high	$4.21
All-time high date	2026-01-29
All-time low	$2.59
All-time low date	2025-07-30
Average true range (ATR)	$0.22
Average volume	9.6K
Change from 52-week high	-29.25%
Change from 52-week low	11.42%
Change from all-time high	-29.25%
Change from all-time low	15.09%
Change from open	-4.03%
Day's gap	-0.96%
Dollar volume	$13,804
High price	$3.10
Low price	$2.95
Monthly RSI	51.28
Open price	$3.10
Position in 52-week range	16.67%
Previous close	$3.13
Price vs 150-day SMA	-10.42%
Price vs 20-day SMA	-18.36%
Price vs 200-day SMA	-12.42%
Price vs 50-day SMA	-12.19%
Relative volume	0.49
RSI	34.53
Sharpe ratio	0.18
Sortino ratio	0.36
Volume	4.6K
Weekly RSI	43.83
YTD price change	-11.46%
YTD total return	-11.46%

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	46.55%
Short ratio	5.1 days

Deeper analysis on BCBA/PAGSD

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 BCBA/PAGSD report

Is a complete BCBA/PAGSD research report available?

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

BCBA/PAGSD (BCBA/PAGSD)

Price

Financial snapshot

Fair-value bridge

Latest news · BCBA/PAGSD

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BCBA/PAGSD 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 BCBA/PAGSD

Frequently asked questions