PicS N.V. Class A (PICS)
NASDAQ:PICS
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PICS Stock Chart & Stats
$15.00
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Market closed
$15.00
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Day’s Range― - ―
52-Week Range$8.32 - $19.95
Previous CloseN/A
VolumeN/A
Average Volume (3M)N/A
Market Cap
$1.29B
Enterprise Value$2.61B
Total Cash (Recent Filing)$8.94B
Total Debt (Recent Filing)$764.85M
Price to Earnings (P/E)5.7
Beta4.25
Next Earnings
Oct 07, 2026EPS Estimate
0.34Next 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 Ratio0.03
Price to Book (P/B)3.48
Price to Sales (P/S)2.15
P/FCF Ratio-3.05
Enterprise Value/Market Cap2.03
Enterprise Value/Revenue0.25
Enterprise Value/Gross Profit0.49
Enterprise Value/Ebitda2.85
Forecast
1Y Price Target
$18.00Price Target Upside20.00% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)1.46
Revenue Forecast (FY)$2.64B
Bulls Say, Bears Say
Bulls Say
High Gross MarginsSustained ~83% gross margin indicates strong unit economics and pricing power in the software infrastructure business. Such high gross margins provide durable operating leverage if revenue stabilizes, allowing the company to absorb SG&A or reinvest in product development over multiple quarters.
Improved Leverage And ROEA materially lower debt-to-equity and a ~28% ROE signal stronger capital structure and efficient use of equity. Reduced leverage lowers refinancing risk and interest burden, improving resilience against macro shocks and giving management more optionality for investments or strategic initiatives over the next several quarters.
Historical Cash Generation AbilityThe company’s track record of producing substantial cash in earlier years implies the operating model can generate free cash flow when growth/operations normalize. This historical capability supports a credible path to recovery and reduces the chance the recent cash shortfall is permanent if execution and revenue stabilize.
Bears Say
Deep Negative Cash FlowVery large negative operating and free cash flow create a durable funding and execution risk: cash burn can force asset sales, debt raises, or equity dilution. The gap between reported net income and cash generation also raises quality-of-earnings concerns that are unlikely to resolve quickly without clear operational fixes.
Sharp Revenue ContractionA ~28% revenue decline is structurally significant for a software infrastructure company and weakens durable growth prospects. Top-line shrinkage reduces operating leverage, pressures margins, and may reflect market share loss or demand erosion that can take multiple quarters to reverse even with product or commercial changes.
Operating Margin Weakness / Earnings Quality GapThe disparity between very high gross margins and low EBIT (~5%) indicates elevated operating costs or one-time items eroding core profitability. Coupled with net income vs cash flow divergence, this suggests reported earnings may be fragile and vulnerable to further margin compression absent structural cost or revenue improvements.
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 $1.29B.
When is PicS N.V. Class A’s upcoming earnings report date?
PicS N.V. Class A’s upcoming earnings report date is Oct 07, 2026 which is in 103 days.
How were PicS N.V. Class A’s earnings last quarter?
PicS N.V. Class A released its earnings results on Jun 02, 2026. The company reported $0.26 earnings per share for the quarter, beating the consensus estimate of $0.226 by $0.034.
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 0.34.
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 $0.26 in its last earnings report, beating expectations of $0.226. Following the earnings report the stock price went down -19.158%.
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
Outperform
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10
Analyst Consensus
Strong Buy
Average Price Target:
$18.00 (20.00% Upside)
$18.00 (20.00% Upside)
Blogger Sentiment
Bullish
PICS Sentiment 67%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $4.0M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Fundamentals
Return on Equity
15.56%
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
Q1 2026
0:00 / 0:00
PICS Stock 12 Month Forecast
Average Price Target
$18.00
▲(20.00% Upside)
Ownership Overview
10.53% Insiders
1.61% Mutual Funds
13.42% Other Institutional Investors
73.51% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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