PagSeguro Digital (PAGS) Company Report

PAGS reported Q3 2025 Net Revenue ex-ITC of R$3.4 billion, a 14% increase year-over-year, and diluted GAAP EPS of R$1.88, also up 14% year-over-year. Net Income (non-GAAP) was R$571 million, stable year-over-year.
The Banking segment demonstrated strong performance, with Total Revenue and Income growing 50% year-over-year to R$744 million and Gross Profit increasing 59% year-over-year to R$536 million, now accounting for 28% of total Gross Profit.
PAGS updated its FY 2025 guidance, projecting Gross Profit growth of 5%-7% year-over-year and diluted GAAP EPS growth of 13%-15% year-over-year. The company also outlined 2029 goals, including a R$25 billion Credit Portfolio and CAGRs of >10% for Gross Profit and >16% for EPS.
The company announced a planned management succession, with Carlos Mauad becoming CEO and Gustavo Sechin becoming CFO, both effective January 1st, 2026. PAGS also returned R$2.0 billion to shareholders through buybacks and dividends over the last twelve months.

Nov 20, 2025, 9:00 PM

Presentation

PagBank Reports Strong 3Q25 Results and Announces Leadership Transition

PAGS

Earnings

CEO Change

CFO Change

PagBank reported recurring net income of BRL 571 million and net revenue of BRL 3.4 billion for the third quarter of 2025 (3Q25), representing a 14.4% year-over-year increase in net revenue.
The digital bank's deposits reached BRL 39.4 billion (+15.3% y/y) and its loan portfolio grew to BRL 4.2 billion (+29.9% y/y) in 3Q25.
PagBank distributed over BRL 2 billion to shareholders through dividends and share repurchases over the last 12 months.
Effective January 1, 2026, Carlos Mauad will assume the role of CEO, and Gustavo Sechin will become CFO; current CEO Alexandre Magnani and CFO Artur Schunk will transition to the Company's Board of Directors.

Nov 13, 2025, 12:00 PM

Press Release

PagSeguro Digital Ltd. Reports Strong Q3 2025 Earnings and Outlines Long-Term Goals

PAGS

Earnings

Guidance Update

Dividends

PagSeguro Digital Ltd. reported Q3 2025 diluted GAAP Earnings per Share (EPS) of R$1.88, an increase of 13.7% year-over-year, driven by banking performance and operating leverage.
Total Revenue and Income (excluding interchange fees) grew by 14.4% year-over-year to R$3,411 million in Q3 2025, reflecting a successful repricing strategy and increased contribution from the banking business, despite a 4.7% year-over-year decrease in Total Payment Volume (TPV) to R$129.8 billion.
The Banking segment's revenue increased by 50.2% year-over-year to R$744 million, and its credit portfolio grew by 29.9% year-over-year to R$4.2 billion in Q3 2025, highlighting its strategic importance and growth.
The company demonstrated commitment to shareholder value by repurchasing R$880 million in shares from January 1, 2025, to November 12, 2025, and planning R$1.4 billion in dividend distributions for 2026, in addition to R$617 million declared in 2025.
PagSeguro outlined long-term financial goals for 2029, including a credit portfolio of R$25 billion, gross profit CAGR above 10%, and EPS CAGR above 16%.

Nov 12, 2025, 9:04 PM

6-K

PagSeguro Digital Ltd. Reports Q3 2025 Financial Results

PAGS

Earnings

Share Buyback

Revenue Acceleration/Inflection

PagSeguro Digital Ltd. reported net income of R$554,486 thousand for the three-month period ended September 30, 2025, and R$1,616,337 thousand for the nine-month period ended September 30, 2025.
Total revenue and income for the three-month period ended September 30, 2025, was R$5,105,410 thousand, and R$15,013,736 thousand for the nine-month period.
The company's total liabilities decreased to R$57,397,264 thousand as of September 30, 2025, from R$58,232,245 thousand at December 31, 2024, while total equity increased to R$14,887,985 thousand from R$14,668,372 thousand over the same period.
Net cash provided by operating activities significantly improved, reaching R$5,634,678 thousand for the nine-month period ended September 30, 2025, compared to net cash used in operating activities of R$(2,815,377) thousand in the prior year period.
During the nine-month period ended September 30, 2025, the company repurchased R$744,115 thousand in treasury shares and cancelled 23,930,715 shares, leading to a decrease in the weighted average number of outstanding common shares.

Nov 12, 2025, 9:01 PM

6-K

PagSeguro Digital Ltd. Announces Capital Optimization Targets and Long-Term Financial Goals

PAGS

Dividends

Share Buyback

Guidance Update

PagSeguro Digital Ltd. expects to achieve a Basel Index (BIS) Target Level of 18% to 22%, which is anticipated to generate R$2 billion to R$3 billion in excess capital.
The company estimates R$3.8 billion in shareholder returns between 2025 and 2026, comprising R$1.4 billion in dividends in 2026, R$623 million in cash dividends already declared in 2025, R$696 million in stock buybacks executed in 2025, and a current share repurchase program of up to R$1.1 billion/US$200 million.
PagSeguro aims to achieve long-term financial goals by the end of 2029, targeting a Credit Portfolio of R$25 billion, Gross Profit CAGR greater than 10% from 2025 to 2029, and Earnings Per Share CAGR greater than 16% from 2025 to 2029.

Sep 18, 2025, 10:02 PM

6-K

PagSeguro Digital Outlines Strategic Vision and Long-Term Financial Targets

PAGS

Guidance Update

Dividends

New Projects/Investments

PagSeguro Digital is transitioning to a full digital bank, targeting a credit portfolio of BRL25 billion by 2029, a significant increase from its current BRL4 billion.
The company aims to return BRL5.5 billion to shareholders by 2026, including an extraordinary BRL1.4 billion in dividends planned for the coming quarters, in addition to BRL623 million already committed for this year, potentially leading to a total yield close to 20% with open buybacks.
Long-term financial targets include a gross profit CAGR over 10% and an EPS CAGR over 16% between 2025 and 2029.
The strategic shift involves increasing the mix of unsecured credit products and leveraging AI-powered solutions, with acceleration in credit growth expected after 2026.
A base capital ratio target of 18% to 22% has been set to ensure financial strength and support disciplined growth.

Sep 18, 2025, 9:00 PM

Transcript

PagSeguro Digital Provides Strategic Update and Long-Term View

PAGS

Guidance Update

Dividends

Share Buyback

PagSeguro Digital (PagBank) presented a strategic update outlining its long-term view, emphasizing its position with a full banking offering and the largest payments acceptance network in Brazil, aiming to democratize financial services.
The company reported R$43 billion in deposits/funding in Q2 2025 and a diluted GAAP EPS of R$8.2 for 2025 YTD.
PagBank highlights significant growth opportunities in Brazil's financial market, with the payment sector projected to grow approximately 10% per annum, driven by 15% growth in PIX and 8% in card transactions.
The company plans to return over R$5.5 billion to shareholders, with R$3.8 billion expected between 2025 and 2026, including a R$1.4 billion dividend scheduled for payment in 2026, in addition to R$623 million already announced/paid in 2025.

Sep 18, 2025, 9:00 PM

Presentation

PagSeguro Digital Ltd. Announces Cash Dividend

PAGS

Dividends

PagSeguro Digital Ltd. announced that its Board of Directors has approved the payment of a special cash dividend of US$0.12 per common share.
The dividend is scheduled to be paid on November 3, 2025, to shareholders of record as of October 6, 2025.
The company anticipates making one more special distribution of cash dividends in the same amount of US$0.12 per common share within the next two quarters, contingent on market and company financial conditions.

Sep 3, 2025, 10:01 AM

6-K

PagBank Reports Q2 2025 Financial Results

PAGS

Earnings

Dividends

Share Buyback

PagBank reported net revenue of R$5.1 billion in Q2 2025, representing an 18% growth year-over-year when excluding the foreign exchange effect.
Recurring net income reached R$565 million (+4% y/y) and reported net income was R$537 million (+7% y/y), with a return on equity (ROE) of 14.5%.
The company's banking revenue increased 61% year-over-year and now accounts for 26% of gross profit, which totaled R$1.9 billion (+7% y/y).
PagBank allocated R$1.9 billion to dividends and share repurchases over the past 12 months, demonstrating a focus on shareholder value.

Aug 14, 2025, 11:30 AM

Press Release

PagSeguro Digital declares special cash dividend

PAGS

Dividends

On June 16, 2025, PagSeguro’s board approved a special cash dividend of US$0.12 per common share, payable on August 15, 2025 to shareholders of record as of July 16, 2025.
The company expects two additional special cash dividends of US$0.12 per share within the next three quarters, subject to market and company financial conditions and at the board’s discretion.

Jun 16, 2025, 12:00 AM

6-K

Earnings Transcripts

Quarterly earnings call transcripts for PagSeguro Digital.

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