PagSeguro Digital

PAGS · NYSE

$11.72+$0.59 (+5.30%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $11.13

PAGS analyst rating

BuyConsensus of 4 analysts over the last 12 months. 50% rate it a buy.

Strong buy0
Buy2
Hold2
Underperform0
Sell0

12-month price target · 16 analysts

Average $11.83 (+1.0% upside)

Low: $7.07
Now: $11.72
High: $14.70

Upgrades and downgrades

The latest rating actions, newest first

PAGS analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
UBS	Sep 29, 2026	Maintains	Buy	$12.50 → $11.00	70%
Jefferies	Jul 23, 2026	Initiates	Hold	$10.40	100%
UBS	Jul 17, 2026	Maintains	Buy	$14.00 → $12.50	70%
JP Morgan	Apr 13, 2026	Maintains	Neutral	$13.00 → $12.00	40%
UBS	Jan 28, 2026	Maintains	Buy	$13.00 → $14.00	70%
UBS	Nov 25, 2025	Maintains	Buy	$12.00 → $13.00	70%
Susquehanna	Nov 14, 2025	Maintains	Positive	$11.00 → $12.00	42%

The case for and against

Updated Sep 4, 2024

Bull case

PagSeguro Digital Ltd reported a robust net income of R$520 million in 4Q23, marking a 27% year-over-year increase, significantly surpassing consensus expectations. The company's PagBank also achieved record client growth with 30.2 million customers, and total banking volume surged by 45.4% year-over-year to R$166.9 billion, indicating strong customer engagement and market penetration. Additionally, PagSeguro's total finance volume expanded 34% year-over-year, supported by an uptick in larger accounts, highlighting the successful execution of its financial technology solutions and continued momentum in cash-in transactions.

Bear case

PagSeguro Digital Ltd has faced a sequential decline in its net take rate, dropping from 2.53% in the second quarter of 2023 to 2.46%, which highlights potential challenges in maintaining profit margins amid competitive pressures. Additionally, the company has experienced a significant drop in its active merchant count, declining 9.1% year-over-year to 6.7 million, indicating struggles in customer retention and market share. Furthermore, the prolonged impact of the COVID-19 environment in Brazil raises concerns about the sustainability of PagSeguro's profitability and growth prospects.

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