ScoreWhy is PagSeguro Digital Ltd. ?
1
High Management Efficiency with a high ROCE of 19.19%
2
Healthy long term growth as Net Sales has grown by an annual rate of 20.75% and Operating profit at 24.38%
3
Flat results in Jun 25
- INTEREST COVERAGE RATIO(Q) Lowest at 176.08
- DEBT-EQUITY RATIO (HY) Highest at 246.42 %
- DEBTORS TURNOVER RATIO(HY) Lowest at 0.34 times
4
With ROCE of 13.13%, it has a attractive valuation with a 1.03 Enterprise value to Capital Employed
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 40.79%, its profits have risen by 7.5% ; the PEG ratio of the company is 1.6
5
Market Beating Performance
- The stock has generated a return of 40.79% in the last 1 year, much higher than market (S&P 500) returns of 12.94%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to PagSeguro Digital Ltd. should be less than 10%
- Overall Portfolio exposure to Miscellaneous should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Miscellaneous)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is PagSeguro Digital Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
PagSeguro Digital Ltd.
38.64%
-0.26
51.00%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.75%
EBIT Growth (5y)
24.38%
EBIT to Interest (avg)
4.31
Debt to EBITDA (avg)
1.68
Net Debt to Equity (avg)
2.26
Sales to Capital Employed (avg)
0.49
Tax Ratio
9.68%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
91.09%
ROCE (avg)
19.19%
ROE (avg)
12.67%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.11
EV to EBIT
7.87
EV to EBITDA
6.22
EV to Capital Employed
1.03
EV to Sales
2.62
PEG Ratio
1.57
Dividend Yield
NA
ROCE (Latest)
13.13%
ROE (Latest)
14.75%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 0.04%
RAW MATERIAL COST(Y)
Fallen by -7.39% (YoY
INVENTORY TURNOVER RATIO(HY)
Highest at 614.45 times
NET SALES(Q)
Highest at USD 863.07 MM
OPERATING PROFIT(Q)
Highest at USD 397.57 MM
OPERATING PROFIT MARGIN(Q)
Highest at 46.06 %
-11What is not working for the Company
INTEREST COVERAGE RATIO(Q)
Lowest at 176.08
DEBT-EQUITY RATIO
(HY)
Highest at 246.42 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 0.34 times
INTEREST(Q)
Highest at USD 225.79 MM
Here's what is working for PagSeguro Digital Ltd.
Net Sales
Highest at USD 863.07 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 397.57 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 46.06 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Inventory Turnover Ratio
Highest at 614.45 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its inventory faster
Inventory Turnover Ratio
Dividend Payout Ratio
Highest at 0.04%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Raw Material Cost
Fallen by -7.39% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 79.73 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for PagSeguro Digital Ltd.
Interest Coverage Ratio
Lowest at 176.08 and Fallen
In each period in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Interest
At USD 225.79 MM has Grown at 12.1%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at 246.42 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Interest
Highest at USD 225.79 MM
in the last five periods and Increased by 12.1% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debtors Turnover Ratio
Lowest at 0.34 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
Non Operating Income
Highest at USD 0.15 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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