Is a complete BCBA/PAGS research report available?

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

BCBA/PAGS (BCBA/PAGS)

Buenos Aires Stock Exchange: BCBA/PAGS · ARS

ARS 4,485

-130.15 (-2.8%)· Recorded snapshot

Market cap	3.5T
Revenue (ttm)	5.7T
Net income (ttm)	615.1B
EPS (ttm)	ARS 744
P/E (trailing)	6.0x
P/E (forward)	4.7x
Dividend	ARS 299 (6.67%)
Volume	69,964

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 5.7T
Net income (ttm): 615.1B
EPS (ttm): ARS 744
P/E (trailing): 6.0x
P/E (forward): 4.7x
Market cap: 3.5T

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	ARS 3.6T
Exchange	Buenos Aires 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	AR0651353770
Last refreshed	2026-10-29
Market cap	ARS 3.5T
Next earnings date	2026-11-12
Price	ARS 4,485.00
Price currency	ARS
Sector	Technology
SIC code	7374
Stock price date	2026-10-28
Symbol	bcba/PAGS
Website	https://pagbank.com.br

Metric

Value

Amount currency

ARS

Country

Cayman Islands

Country code

Earnings date

2026-11-12

Employees

6,751

Employees change

5,597

Employees growth

485.01%

Enterprise value

ARS 3.6T

Exchange

Buenos Aires 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

ISIN number

AR0651353770

Last refreshed

2026-10-29

Market cap

ARS 3.5T

Next earnings date

2026-11-12

Price

ARS 4,485.00

Price currency

ARS

Sector

Technology

SIC code

7374

Stock price date

2026-10-28

Symbol

bcba/PAGS

Website

https://pagbank.com.br

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	16.58%
EV/Earnings	5.8x
EV/EBIT	1.61x
EV/EBITDA	1.29x
EV/FCF	2.44x
EV/Sales	0.61x
FCF / EV yield	40.93%
FCF yield	42.3%
Forward P/E	4.71x
Graham number	10010.80518
Graham upside	123.21%
Lynch fair value	ARS 10,159.80
Lynch upside	126.53%
P/(FCF - SBC) ratio	2.42x
P/(OCF - SBC) ratio	2.04x
P/B ratio	0.8x
P/E ratio	6.03x
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

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

16.58%

EV/Earnings

5.8x

EV/EBIT

1.61x

EV/EBITDA

1.29x

EV/FCF

2.44x

EV/Sales

0.61x

FCF / EV yield

40.93%

FCF yield

42.3%

Forward P/E

4.71x

Graham number

10010.80518

Graham upside

123.21%

Lynch fair value

ARS 10,159.80

Lynch upside

126.53%

P/(FCF - SBC) ratio

2.42x

P/(OCF - SBC) ratio

2.04x

P/B ratio

0.8x

P/E ratio

6.03x

P/FCF ratio

2.36x

P/OCF ratio

P/S ratio

0.61x

Price / tangible book value

1.03x

Price/EBITDA ratio

1.3x

Metric	Value
EBIT margin	37.76%
EBITDA margin	47.01%
Effective tax rate	17.3%
FCF margin	25.58%
Gross margin	51.47%
Operating margin	37.76%
Pretax margin	13.13%
Profit margin	10.86%
Profit per employee	ARS 91.1M
Profitable quarters	38
Profitable years	11
Revenue per employee	ARS 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%

Metric

Value

EBIT margin

37.76%

EBITDA margin

47.01%

Effective tax rate

17.3%

FCF margin

25.58%

Gross margin

51.47%

Operating margin

37.76%

Pretax margin

13.13%

Profit margin

10.86%

Profit per employee

ARS 91.1M

Profitable quarters

Profitable years

Revenue per employee

ARS 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%

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

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

EPS growth years

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

Net income growth years

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

Revenue growth years

Metric	Value
Capital expenditures	ARS -269B
Depreciation and amortization	ARS 528.1B
EBIT	ARS 2.1T
EBITDA	ARS 2.7T
EPS	ARS 743.73
Financing cash flow	ARS -1.2T
Free cash flow	ARS 1.5T
Free cash flow minus SBC	ARS 1.4T
Gross profit	ARS 2.9T
Income taxes	ARS 128.7B
Investing cash flow	ARS -690.2B
Net borrowing	ARS -577.9B
Net cash flow	ARS -144.3B
Net income	ARS 615.1B
Operating cash flow minus SBC	ARS 1.7T
Operating income	ARS 2.1T
Revenue	ARS 5.7T
Stock-based compensation	ARS 36B

Metric

Value

Capital expenditures

ARS -269B

Depreciation and amortization

ARS 528.1B

EBIT

ARS 2.1T

EBITDA

ARS 2.7T

EPS

ARS 743.73

Financing cash flow

ARS -1.2T

Free cash flow

ARS 1.5T

Free cash flow minus SBC

ARS 1.4T

Gross profit

ARS 2.9T

Income taxes

ARS 128.7B

Investing cash flow

ARS -690.2B

Net borrowing

ARS -577.9B

Net cash flow

ARS -144.3B

Net income

ARS 615.1B

Operating cash flow minus SBC

ARS 1.7T

Operating income

ARS 2.1T

Revenue

ARS 5.7T

Stock-based compensation

ARS 36B

Metric	Value
Altman Z-Score	1.33
Book value per share	ARS 15,577.70
Debt / EBITDA	0.19
Debt / equity	0.12
Debt / FCF	0.35
Goodwill	ARS 65.5B
Interest coverage	1.53
Long-term assets	ARS 2.6T
Long-term liabilities	ARS 5.1T
Net cash (debt)	ARS -111.2B
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	ARS 736.8B
Shareholders' equity	ARS 4.3T
Tangible book value	ARS 3.4T
Tangible book value per share	ARS 12,215.30
Total assets	ARS 21.6T
Total cash	ARS 396.5B
Total debt	ARS 507.7B
Total liabilities	ARS 17.4T

Metric

Value

Altman Z-Score

1.33

Book value per share

ARS 15,577.70

Debt / EBITDA

0.19

Debt / equity

0.12

Debt / FCF

0.35

Goodwill

ARS 65.5B

Interest coverage

1.53

Long-term assets

ARS 2.6T

Long-term liabilities

ARS 5.1T

Net cash (debt)

ARS -111.2B

Net cash / market cap

-3.22%

Net debt / EBITDA

0.04

Net debt / equity

0.03

Net debt / FCF

0.08

Piotroski F-Score

Property, plant and equipment

ARS 736.8B

Shareholders' equity

ARS 4.3T

Tangible book value

ARS 3.4T

Tangible book value per share

ARS 12,215.30

Total assets

ARS 21.6T

Total cash

ARS 396.5B

Total debt

ARS 507.7B

Total liabilities

ARS 17.4T

Metric	Value
Asset turnover	0.27
Current assets	ARS 19T
Current liabilities	ARS 12.3T
Current ratio	1.55
Net working capital	ARS 6.8T
Quick ratio	1.44
Working capital	ARS 6.7T
Working capital turnover	270.39

Metric

Value

Asset turnover

0.27

Current assets

ARS 19T

Current liabilities

ARS 12.3T

Current ratio

1.55

Net working capital

ARS 6.8T

Quick ratio

1.44

Working capital

ARS 6.7T

Working capital turnover

270.39

Metric	Value
Buyback yield / dilution	7.51%
Dividend growth	0%
Dividend growth years	0
Dividend payment date	2026-09-30
Dividend payment years	2
Dividend payout frequency	Quarterly
Dividend per share	ARS 299.05
Dividend yield	6.67%
Ex-dividend date	2026-09-16
Last dividend	ARS 130.50
Payout ratio	42.59%
Shareholder yield	14.18%

Metric

Value

Buyback yield / dilution

7.51%

Dividend growth

Dividend growth years

Dividend payment date

2026-09-30

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

ARS 299.05

Dividend yield

6.67%

Ex-dividend date

2026-09-16

Last dividend

ARS 130.50

Payout ratio

42.59%

Shareholder yield

14.18%

Metric	Value
150-day SMA	ARS 4,936.73
1D price change	-2.82%
1M price change	-8.33%
1M total return	-8.33%
1W price change	-29.26%
1W total return	-29.26%
1Y price change	-6.9%
1Y return CAGR	-1.31%
1Y total return	-1.31%
20-day SMA	ARS 5,597.25
200-day SMA	ARS 5,006.06
3M price change	-9.94%
3M total return	-7.4%
50-day SMA	ARS 5,201.70
50-day SMA vs 200-day SMA	50over200
52-week high	ARS 6,370.00
52-week high date	2026-10-20
52-week low	ARS 4,115.00
52-week low date	2026-10-26
6M price change	-13.83%
6M total return	-11.4%
All-time high	ARS 6,620.00
All-time high date	2024-07-12
All-time low	ARS 2,380.00
All-time low date	2024-12-19
Average true range (ATR)	ARS 361.11
Average volume	154.6K
Change from 52-week high	-29.59%
Change from 52-week low	8.99%
Change from all-time high	-32.25%
Change from all-time low	88.45%
Change from open	-2.07%
Day's gap	-0.76%
Dollar volume	ARS 313.8M
High price	ARS 4,585.00
Low price	ARS 4,430.00
Monthly RSI	44.83
Open price	ARS 4,580.00
Position in 52-week range	35.48%
Previous close	ARS 4,615.00
Price vs 150-day SMA	-9.15%
Price vs 20-day SMA	-19.87%
Price vs 200-day SMA	-10.41%
Price vs 50-day SMA	-13.78%
Relative volume	0.45
RSI	33.8
Sharpe ratio	0.29
Sortino ratio	0.51
Volume	70K
Weekly RSI	44.16
YTD price change	-8.89%
YTD total return	-3.41%

Metric

Value

150-day SMA

ARS 4,936.73

1D price change

-2.82%

1M price change

-8.33%

1M total return

-8.33%

1W price change

-29.26%

1W total return

-29.26%

1Y price change

-6.9%

1Y return CAGR

-1.31%

1Y total return

-1.31%

20-day SMA

ARS 5,597.25

200-day SMA

ARS 5,006.06

3M price change

-9.94%

3M total return

-7.4%

50-day SMA

ARS 5,201.70

50-day SMA vs 200-day SMA

50over200

52-week high

ARS 6,370.00

52-week high date

2026-10-20

52-week low

ARS 4,115.00

52-week low date

2026-10-26

6M price change

-13.83%

6M total return

-11.4%

All-time high

ARS 6,620.00

All-time high date

2024-07-12

All-time low

ARS 2,380.00

All-time low date

2024-12-19

Average true range (ATR)

ARS 361.11

Average volume

154.6K

Change from 52-week high

-29.59%

Change from 52-week low

8.99%

Change from all-time high

-32.25%

Change from all-time low

88.45%

Change from open

-2.07%

Day's gap

-0.76%

Dollar volume

ARS 313.8M

High price

ARS 4,585.00

Low price

ARS 4,430.00

Monthly RSI

44.83

Open price

ARS 4,580.00

Position in 52-week range

35.48%

Previous close

ARS 4,615.00

Price vs 150-day SMA

-9.15%

Price vs 20-day SMA

-19.87%

Price vs 200-day SMA

-10.41%

Price vs 50-day SMA

-13.78%

Relative volume

0.45

RSI

33.8

Sharpe ratio

0.29

Sortino ratio

0.51

Volume

70K

Weekly RSI

44.16

YTD price change

-8.89%

YTD total return

-3.41%

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

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

BCBA/PAGS (BCBA/PAGS)

Price

Financial snapshot

Fair-value bridge

Latest news · BCBA/PAGS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BCBA/PAGS 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/PAGS

Frequently asked questions