Pagseguro Digital (DE:1JY)
FRANKFURT:1JY
Earnings Data
Report Date
May 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.34Last Year’s EPS
0.29Same Quarter Last Year
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed solid operational momentum — strong revenue growth, a notable surge in banking results, re-acceleration in TPV, growing deposits, meaningful EPS and shareholder returns, and delivery of 2025 guidance — while clearly flagging meaningful macro-driven headwinds. Rising interest rates materially increased financial costs and pressured near-term profitability and regulatory ratios (temporarily), and management gave conservative 2026 gross profit guidance while accelerating credit (which raises near-term provisions). Overall, the positives around revenue, EPS, banking profitability, funding progress and concrete guidance modestly outweigh the macro- and regulation-related negatives, which appear managed but relevant to near-term performance.Company Guidance
Strong Full-Year Revenue Growth
Total revenues reached BRL 13.4 billion in 2025, up 16% year-over-year; payments revenue grew 9% YoY while banking revenues surged ~51% YoY. Q4 total net revenue (ex-interchange and card scheme fees) was BRL 3.5 billion, +12% YoY.
Earnings Per Share and Shareholder Returns
GAAP diluted EPS rose 18.2% in 2025 and reported EPS per share reached BRL 7.99 (+21% YoY). Buybacks and dividends distributed totaled BRL 2.1 billion in 2025, implying a 15% total shareholder yield; over 27 million shares repurchased and 5 million treasury shares cancelled.
Banking Segment Outperformance
Banking revenue in Q4 was BRL 757 million (+~7% YoY) and banking gross profit grew 54% YoY, with a 72% margin on banking revenues, reflecting strong monetization from cards and account services.
Credit Expansion with Controlled Asset Quality
On-platform total credit portfolio reached BRL 4.6 billion (+33% YoY). When including merchant prepayment/instant settlement, the expanded credit portfolio approaches BRL 50 billion (approx. +3% YoY). Working-capital originations were 26% higher than Q3. NPL90 remains roughly half the industry average.
Re-acceleration in TPV, Cash-in and Deposits
Q4 TPV grew 10% quarter-over-quarter (an inflection point). Cash-in exceeded BRL 90 billion (+11% YoY) and cash-in per client rose to BRL 5,300 (+10% YoY). Total deposits reached BRL 40 billion (+13% YoY) with 95% of deposits on-platform.
Profitability and Operational Efficiency Gains
Non-GAAP net income for the quarter was BRL 678 million (+7.4% YoY) and ROAE improved to 18.4% (+100 bps YoY). Consolidated gross profit grew ~6.9% for the year; operating expenses decreased 2% YoY; total losses declined 8%; operating leverage improved ~320 bps YoY.
Delivery of 2025 Guidance and Forward Guidance
Company successfully delivered 2025 guidance despite macro headwinds. 2026 guidance: credit portfolio growth 25%–35%; gross profit growth 6%–9%; diluted non-GAAP EPS growth 9%–13%; capex BRL 1.8–2.0 billion. Long-term 2029 targets reiterated (BRL 25 billion credit portfolio, >10% gross profit CAGR, >16% EPS CAGR).
Improved Funding Efficiency
Deposits and funding mix improvements supported funding efficiency: on-platform deposits 95% of total, seven consecutive quarters of reduction in funding cost as % of CDI, and loan-to-funding improved from ~113% to ~111%.
DE:1JY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
DE:1JY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 04, 2026 | €8.90 | €8.55 | -3.93% |
Nov 12, 2025 | €8.46 | €8.26 | -2.33% |
Aug 12, 2025 | €7.03 | €7.34 | +4.48% |
May 13, 2025 | €7.98 | €8.11 | +1.60% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Pagseguro Digital (DE:1JY) report earnings?
Pagseguro Digital (DE:1JY) is schdueled to report earning on May 28, 2026, After Close (Confirmed).
What is Pagseguro Digital (DE:1JY) earnings time?
Pagseguro Digital (DE:1JY) earnings time is at May 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Pagseguro Digital stock?
The P/E ratio of Pagseguro Digital is N/A.
What is DE:1JY EPS forecast?
DE:1JY EPS forecast for the fiscal quarter 2026 (Q1) is 0.34.
