Pag Seguro Digital Ltd. - Understand $pags stock

$PAGS Market Cap: $2.465 Billion

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Financial Snapshot

Revenue

$18.04B

TTM

Gross Margin

48.99%

TTM

Net Earnings

$2.005B

TTM

Current Assets

$59.38B

Q3 2024

Current Liabilities

$39.17B

Q3 2024

Current Ratio

151.61%

Q3 2024

Total Assets

$67.22B

Q3 2024

Total Liabilities

$52.78B

Q3 2024

Book Value

$14.44B

Q3 2024

Cash

P/E

1.229

Nov 29, 2024 EST

Free Cash Flow

-$2.952B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$15.95B	$15.33B	$10.45B	$6.815B	$5.707B	$4.335B	$2.523B	$1.138B	$674.9M	$325.8M
YoY Change	4.0%	46.76%	53.33%	19.41%	31.66%	71.78%	121.66%	68.68%	107.15%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$15.95B	$15.33B	$10.45B	$6.815B	$5.707B	$4.335B	$2.523B	$1.138B	$674.9M	$325.8M
Cost Of Revenue	$8.133B	$7.471B	$5.776B	$3.772B	$2.762B	$2.145B	$1.324B	$623.7M	$382.5M	$142.5M
Gross Profit	$7.816B	$7.864B	$4.673B	$3.042B	$2.945B	$2.190B	$1.199B	$514.7M	$292.4M	$183.4M
Gross Profit Margin	49.01%	51.28%	44.72%	44.64%	51.6%	50.52%	47.52%	45.21%	43.32%	56.29%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Selling, General & Admin	$2.163B	$2.615B	$2.356B	$1.147B	$986.2M	$930.5M	$397.8M	$284.0M	$223.0M	$132.4M
YoY Change	-17.3%	10.96%	105.43%	16.32%	5.99%	133.91%	40.07%	27.35%	68.43%
% of Gross Profit	27.67%	33.25%	50.43%	37.7%	33.49%	42.49%	33.18%	55.18%	76.27%	72.19%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.356B	$1.131B	$768.6M	$376.3M	$128.3M	$95.40M	$51.60M	$31.20M	$18.90M	$11.60M
YoY Change	19.9%	47.11%	104.25%	193.3%	34.49%	84.88%	65.38%	65.08%	62.93%
% of Gross Profit	17.34%	14.38%	16.45%	12.37%	4.36%	4.36%	4.3%	6.06%	6.46%	6.32%
Operating Expenses	$2.163B	$2.615B	$2.401B	$1.181B	$992.5M	$933.1M	$398.9M	$284.4M	$223.8M	$132.8M
YoY Change	-17.3%	8.88%	103.27%	19.03%	6.37%	133.92%	40.26%	27.08%	68.52%
Operating Profit	$5.653B	$5.249B	$2.271B	$1.861B	$1.953B	$1.257B	$800.1M	$230.3M	$68.60M	$50.60M
YoY Change	7.7%	131.11%	22.05%	-4.69%	55.35%	57.09%	247.42%	235.71%	35.57%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	-$3.270B	-$3.152B	-$790.6M	-$109.2M	-$38.10M	-$31.20M	-$104.5M	-$68.30M	-$29.70M	-$11.10M
YoY Change	3.74%	298.61%	624.02%	186.61%	22.12%	-70.14%	53.0%	129.97%	167.57%
% of Operating Profit	-57.83%	-60.04%	-34.81%	-5.87%	-1.95%	-2.48%	-13.06%	-29.66%	-43.29%	-21.94%
Other Income/Expense, Net	-$366.7M	-$338.4M	$7.302M	$22.90M	-$1.900M	-$8.100M	-$12.00M	-$6.700M	$1.300M	-$3.300M
YoY Change	8.35%	-4734.31%	-68.11%	-1305.26%	-76.54%	-32.5%	79.1%	-615.38%	-139.39%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Pretax Income	$2.017B	$1.759B	$1.488B	$1.775B	$1.913B	$1.218B	$683.5M	$155.4M	$40.30M	$36.20M
YoY Change	14.65%	18.23%	-16.15%	-7.21%	57.07%	78.14%	339.83%	285.61%	11.33%
Income Tax	$363.4M	$254.5M	$321.7M	$482.4M	$545.5M	$307.2M	$204.7M	$27.60M	$4.800M	$8.900M
% Of Pretax Income	18.02%	14.47%	21.62%	27.18%	28.52%	25.23%	29.95%	17.76%	11.91%	24.59%
Net Earnings	$1.654B	$1.505B	$1.166B	$1.292B	$1.366B	$909.3M	$478.8M	$127.2M	$35.10M	$26.00M
YoY Change	9.9%	29.04%	-9.72%	-5.41%	50.18%	89.91%	276.42%	262.39%	35.0%
Net Earnings / Revenue	10.37%	9.81%	11.16%	18.95%	23.93%	20.98%	18.97%	11.17%	5.2%	7.98%
Basic Earnings Per Share
Diluted Earnings Per Share	$5.11	$4.57	$3.511M	$3.917M	$4.147M	$2.859M	$1.825M	$413.7K	$114.1K	$84.55K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Cash & Short-Term Investments	$6.208B	$2.932B	$2.577B	$2.620B	$2.754B	$2.763B	$277.0M	$211.0M	$7.000M	$1.000M
YoY Change	111.69%	13.79%	-1.64%	-4.87%	-0.33%	897.47%	31.28%	2914.29%	600.0%
Cash & Equivalents	$2.899B	$1.829B					$67.00M	$80.00M	$7.000M	$1.000M
Short-Term Investments	$3.309B	$1.103B	$2.007B	$2.205B	$2.284B	$2.358B	$210.0M	$131.0M	$0.00	$0.00
Other Short-Term Assets
YoY Change
Inventory	$33.54M	$13.28M	$49.54M	$30.00M	$62.00M	$89.00M	$62.00M	$21.00M	$41.00M	$16.00M
Prepaid Expenses
Receivables	$41.76B	$36.25B	$23.43B	$16.04B
Other Receivables	$730.4M	$572.8M	$664.3M	$554.0M
Total Short-Term Assets	$48.73B	$39.77B	$26.72B	$19.25B	$13.55B	$11.04B	$4.028B	$2.271B	$1.241B	$779.0M
YoY Change	22.54%	48.83%	38.82%	42.07%	22.7%	174.13%	77.37%	83.0%	59.31%
Property, Plant & Equipment	$2.451B	$2.493B	$2.289B	$1.803B	$400.0M	$67.00M	$11.00M	$5.000M	$4.000M	$2.000M
YoY Change	-1.7%	8.93%	26.96%	350.75%	497.01%	509.09%	120.0%	25.0%	100.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$0.00	$1.651M	$15.67M	$16.00M	$2.000M
YoY Change	-100.0%	-89.46%	-2.09%	700.0%
Other Assets	$149.8M	$144.3M	$172.7M	$101.0M	$13.00M	$2.000M	$38.00M	$9.000M	$7.000M	$9.000M
YoY Change	3.87%	-16.46%	70.99%	676.92%	550.0%	-94.74%	322.22%	28.57%	-22.22%
Total Long-Term Assets	$6.379B	$5.562B	$4.356B	$3.077B	$1.034B	$375.0M	$208.0M	$99.00M	$60.00M	$39.00M
YoY Change	14.69%	27.68%	41.58%	197.58%	175.73%	80.29%	110.1%	65.0%	53.85%
Total Assets	$55.11B	$45.33B	$31.08B	$22.32B	$14.58B	$11.42B	$4.236B	$2.370B	$1.301B	$818.0M
YoY Change
Accounts Payable	$513.9M	$449.1M	$578.0M	$336.0M	$256.0M	$165.0M	$92.00M	$62.00M	$35.00M	$4.000M
YoY Change	14.43%	-22.3%	72.03%	31.25%	55.15%	79.35%	48.39%	77.14%	775.0%
Accrued Expenses	$345.2M	$292.8M	$259.7M	$175.0M	$107.0M	$74.00M	$34.00M	$20.00M	$14.00M	$0.00
YoY Change	17.92%	12.73%	48.41%	63.55%	44.59%	117.65%	70.0%	42.86%
Deferred Revenue
YoY Change
Short-Term Debt	$189.4M	$0.00	$1.006B	$0.00	$0.00	$0.00	$0.00	$205.0M	$0.00	$0.00
YoY Change		-100.0%					-100.0%
Long-Term Debt Due	$14.78M			$13.00M
YoY Change
Total Short-Term Liabilities	$34.43B	$29.74B	$19.00B	$11.57B	$5.893B	$4.711B	$3.319B	$1.719B	$833.0M	$385.0M
YoY Change	15.78%	56.5%	64.19%	96.4%	25.09%	41.94%	93.08%	106.36%	116.36%
Long-Term Debt	$81.09M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$5.603B	$2.183B	$178.9M	$290.0M	$43.00M	$0.00	$4.000M	$0.00	$0.00	$0.00
YoY Change	156.73%	1119.84%	-38.3%	574.42%		-100.0%
Total Long-Term Liabilities	$5.603B	$2.183B	$178.9M	$290.0M	$43.00M	$0.00	$4.000M	$0.00	$0.00	$0.00
YoY Change	156.73%	1119.84%	-38.3%	574.42%		-100.0%
Total Liabilities	$41.87B	$33.49B	$20.57B	$13.01B	$6.590B	$4.867B	$3.369B	$1.744B	$841.0M	$393.0M
YoY Change	25.03%	62.77%	58.15%	97.41%	35.4%	44.46%	93.18%	107.37%	113.99%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $2.4655 Billion

About PagSeguro Digital Ltd.

PagSeguro Digital Ltd. is engaged in the provision of financial technology solutions focused on consumers, individual entrepreneurs, micro-merchants, small companies and medium-sized companies in Brazil. Its end-to-end digital ecosystem enables its merchants not only to accept payments but also to grow and manage their businesses. The firm operates in a single segment, that is financial service agents. The company offers a two-sided ecosystem, providing banking and payments experience through a single interface, with one app, one platform, and one customer support. Its digital banking ecosystem features its free PagBank digital account under the brand PagBank and offers approximately 40 payment methods and 13 cash-out options. The firm offers a range of point of sale (POS) and mobile point of sale (mPOS) devices specifically designed to fit customers' business needs. Its end-to-end payments ecosystem enables its customers to accept a range of online and in-person payment methods.

Industry: Services-Computer Processing & Data Preparation Peers: StoneCo Ltd.