Pagseguro Digital (PAGS)
NYSE:PAGS
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Earnings Data
Report Date
Aug 20, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.4Last Year’s EPS
0.37Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The quarter shows solid execution on strategic priorities: strong credit and deposit growth, improved customer engagement, operating leverage, EPS accretion and meaningful shareholder returns. Those positives are tempered by macro-driven financial cost pressures (higher SELIC), limited gross profit expansion, payments yield compression and a rise in total losses tied to portfolio mix. Management expects rate cuts and continued efficiency initiatives to alleviate headwinds, and they have reasserted guidance and long-term targets.Company Guidance
Credit Portfolio Expansion
Total credit portfolio reached BRL 51 billion, up 11% year-over-year, driven by a 36% increase in total loans; working capital loans surged ~190% year-over-year and now represent ~10% of the portfolio.
Deposit and Funding Growth
Deposits increased to BRL 42 billion, up 23% year-over-year; total funding including related-party and borrowings reached ~BRL 47 billion, up 15% year-over-year.
Revenue and Banking Momentum
Net revenue excluding interchange reached BRL 3.3 billion, up 6.4% year-over-year; banking revenues grew 41% year-over-year and banking now represents ~31% of gross profit.
Profitability and EPS Improvement
Recurring non-GAAP net income was BRL 575 million, up 4% year-over-year; diluted non-GAAP EPS increased 12% year-over-year, supported by operating leverage and share buybacks.
Operating Leverage and Cost Discipline
Operating expenses declined as a percentage of revenue by ~230 basis points year-over-year, reflecting sustained operating leverage and efficiency initiatives (including AI usage).
Customer Engagement and Transactionality
Cash-in volumes excluding acquiring were BRL 81 billion, up 11% year-over-year; cash-in per active client rose 12% year-over-year, with higher bill payments, PIX activity and increased penetration of investment and insurance products.
Improved Funding Cost Metrics and Asset Utilization
Deposit APY has declined for the eighth consecutive quarter (APY down ~6.2 points year-over-year); loan-to-fund ratio improved from 114% a year ago to 109% this quarter.
Shareholder Returns and Capital Management
Returned ~BRL 2.4 billion to shareholders over the last 12 months (last-12-month yield ~16%); announced an additional BRL 400 million dividend and reiterated commitment to at least BRL 1.4 billion in dividends this year; managerial CET1 remains strong at 24.1%.
Asset Quality
Asset quality remained controlled with NPL metrics well below the Brazil banking system average (management notes NPLs roughly half the industry), supporting continued credit expansion.
Sequential Reacceleration in Payments TPV
Total payment volume reached BRL 128 billion and was essentially flat year-over-year, with management reporting a gradual reacceleration versus prior quarters and expectation of positive TPV growth by Q2.
PAGS 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
PAGS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 12, 2026 | $9.78 | $8.63 | -11.76% |
Mar 04, 2026 | $10.32 | $9.85 | -4.54% |
Nov 12, 2025 | $9.13 | $9.08 | -0.54% |
Aug 12, 2025 | $8.53 | $9.01 | +5.60% |
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 (PAGS) report earnings?
Pagseguro Digital (PAGS) is schdueled to report earning on Aug 20, 2026, After Close (Confirmed).
What is Pagseguro Digital (PAGS) earnings time?
Pagseguro Digital (PAGS) earnings time is at Aug 20, 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 PAGS EPS forecast?
PAGS EPS forecast for the fiscal quarter 2026 (Q2) is 0.4.
