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PICS Stock Chart & Stats
$11.85
$0.87(7.34%)
At close: 4:00 PM EDT
$11.85
$0.87(7.34%)
Day’s Range― - ―
52-Week Range$8.32 - $19.95
Previous Close$12.47
Volume332.21K
Average Volume (3M)N/A
Market Cap
$1.41B
Enterprise Value$7.26K
Total Cash (Recent Filing)$8.94B
Total Debt (Recent Filing)$764.85M
Price to Earnings (P/E)5.4
Beta3.20
Next Earnings
Dec 04, 2026EPS Estimate
0.45Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)9.08
Shares Outstanding43,135,918
10 Day Avg. VolumeN/A
30 Day Avg. VolumeN/A
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)2.87
Price to Sales (P/S)1.77
P/FCF Ratio-2.51
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$18.50Price Target Upside56.12% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)1.49
Revenue Forecast (FY)$2.69B
Bulls Say, Bears Say
Bulls Say
Strong Revenue And Profitability GrowthRapid revenue and earnings growth indicates stronger customer monetization and operating scale. If sustained, the expansion can strengthen internal capital generation and support continued investment across payments, lending, insurance and other platform products.
Operating Leverage And AI-led EfficiencyImproving efficiency while revenue expands provides a durable path to margin growth. Broad employee adoption of AI and faster product deployment may lower service and development costs, helping the platform scale without proportional operating expense increases.
Diversified, Increasingly Lower-risk Revenue MixA larger contribution from fees, float, insurance and secured or partially secured products reduces dependence on unsecured lending spreads. This mix shift can make earnings more resilient as the company expands its customer base and cross-sells products.
Bears Say
Severely Negative Recent Cash GenerationThe sharp disconnect between reported net income and cash generation raises earnings-quality and funding concerns. If the reversal persists, the company may need additional financing or working-capital support, limiting flexibility to invest and absorb credit losses.
Elevated And Worsening Late-stage Credit RiskHigher delinquency and loss costs can pressure provisions, margins and capital as loan cohorts mature. Management attributes the deterioration partly to intentional risk-taking in private payroll lending, making future credit performance a key execution constraint.
Volatile Revenue Base And Modest Operating ProfitabilityThe sharp top-line contraction and wide gap between gross and operating margins indicate that earnings remain sensitive to growth, mix and operating costs. Sustaining recent profitability will require consistent revenue expansion and disciplined expense control.
PicS N.V. Class A News
PICS FAQ
What was PicS N.V. Class A’s price range in the past 12 months?
PicS N.V. Class A lowest stock price was $8.32 and its highest was $19.95 in the past 12 months.
What is PicS N.V. Class A’s market cap?
PicS N.V. Class A’s market cap is $1.41B.
When is PicS N.V. Class A’s upcoming earnings report date?
PicS N.V. Class A’s upcoming earnings report date is Dec 04, 2026 which is in 100 days.
How were PicS N.V. Class A’s earnings last quarter?
PicS N.V. Class A released its earnings results on Aug 24, 2026. The company reported $0.416 earnings per share for the quarter, beating the consensus estimate of $0.396 by $0.02.
Is PicS N.V. Class A overvalued?
According to Wall Street analysts PicS N.V. Class A’s price is currently Undervalued.
Does PicS N.V. Class A pay dividends?
PicS N.V. Class A does not currently pay dividends.
What is PicS N.V. Class A’s EPS estimate?
PicS N.V. Class A’s EPS estimate is 0.45.
How many shares outstanding does PicS N.V. Class A have?
PicS N.V. Class A has 43,135,918 shares outstanding.
What happened to PicS N.V. Class A’s price movement after its last earnings report?
PicS N.V. Class A reported an EPS of $0.416 in its last earnings report, beating expectations of $0.396. Following the earnings report the stock price went down -0.459%.
Which hedge fund is a major shareholder of PicS N.V. Class A?
Currently, no hedge funds are holding shares in PICS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
PicS N.V. Class A Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$18.50 (56.12% Upside)
$18.50 (56.12% Upside)
Blogger Sentiment
Bullish
PICS Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 378.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $1.7M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 83%
Bearish news 17%
Bearish news 17%
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
73.28%
Trailing 12-Months
Company Description
PicS N.V. Class A
PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in São Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil's Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.
PICS Company Deck
PICS Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented materially positive operational and financial execution: strong revenue and profitability beats, significant monetization gains (ARPAC +52% YoY), operating leverage and AI-driven productivity, rapid growth in secured credit and noncredit revenue streams, and strategic completion of Kovr (KEV). The main headwinds are credit metrics driven by portfolio aging and deliberate incremental risk-taking in private payroll loans (higher NPL >90 days and Stage 3, modestly higher cost of risk and provisions), a temporary compression in Stage 3 coverage due to renegotiation mix, and a slight uptick in funding cost. Management provided reassuring context (provisioning coverage, Desenrola impact, capital headroom, guidance) and expects continued revenue and pretax earnings growth, with some Q3 net income normalization due to tax timing. On balance the positives around growth, profitability and diversification outweigh the portfolio-aging and intentional risk-taking challenges.View all PICS earnings summariesPICS Stock 12 Month Forecast
Average Price Target
$18.50
▲(56.12% Upside)
Ownership Overview
10.53% Insiders
1.61% Mutual Funds
9.44% Other Institutional Investors
77.54% Public Companies and
Individual Investors