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PagSeguro DigitalPAGS -0.97%88 3-Year Book Growth Rate is 11.30% as of Jun. 2026, which is 28% below its 10-year median of 15.80. GuruFocus rates PAGS with a GF Score™ of 88/100 and a GF Value™ of $11.95 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,484 Software companies, PagSeguro Digital ranks better than 65.14% on this metric.
During the past 12 months, PagSeguro Digital's average Book Value per Share Growth Rate was 18.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 11.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 12.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 33.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 12 years, the highest 3-Year average Book Value per Share Growth Rate of PagSeguro Digital was 125.10% per year. The lowest was 3.20% per year. And the median was 15.80% per year.
PagSeguro Digital (NYSE:PAGS) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
PagSeguro Digital 3-Year Book Growth Rate Related Terms
PAGS vs PAYO, CALX, FIVN: 3-Year Book Growth Rate Comparison
For the Software - Infrastructure subindustry, PagSeguro Digital's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PagSeguro Digital 3-Year Book Growth Rate vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's 3-Year Book Growth Rate falls into.
PagSeguro Digital 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 11.30% mean?
PagSeguro Digital (PAGS) has a 3-Year Book Growth Rate of 11.30% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for PagSeguro Digital and its competitors. This is 28% below median its historical median of 15.80. Over the past decade, PagSeguro Digital's 3-Year Book Growth Rate has ranged from 3.20 to 125.10. According to the industry distribution chart, PagSeguro Digital ranks #866 out of 2484 companies in the Software industry, placing it in the top 34.9%.
Is PagSeguro Digital's 3-Year Book Growth Rate too high?
PagSeguro Digital's current 3-Year Book Growth Rate of 11.30% is 28% below median its 10-year median of 15.80. Over the past 10 years, this metric has ranged from a low of 3.20 to a high of 125.10. The Software industry median 3-Year Book Growth Rate is 5.40. PagSeguro Digital's value of 11.30% is 109.3% above this industry median. Based on the distribution chart, PagSeguro Digital ranks #866 out of 2484 companies in the Software industry, which is above the industry midpoint. Overall, PagSeguro Digital has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PagSeguro Digital's 3-Year Book Growth Rate compare to PAYO and CALX?
According to the Software industry distribution chart, PagSeguro Digital ranks #866 out of 2484 companies for 3-Year Book Growth Rate. This puts PagSeguro Digital in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.40. PagSeguro Digital's value of 11.30% is 109.3% above this benchmark. Historically, PagSeguro Digital's own 3-Year Book Growth Rate has ranged from 3.20 to 125.10 over the past decade. While the company's 10-year median is 15.80 vs. the industry median of 5.40, PagSeguro Digital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Software company?
The median 3-Year Book Growth Rate among Software companies is 5.40, based on 2,484 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current 3-Year Book Growth Rate of 11.30% is 109.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for PagSeguro Digital and its competitors. For the Software industry, the median 3-Year Book Growth Rate is 5.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current 3-Year Book Growth Rate is 11.30%, which is 28% below median its own 10-year median of 15.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PagSeguro Digital stock overvalued right now?
Based on GuruFocus' analysis, PagSeguro Digital (PAGS) is currently considered Modestly Undervalued. The stock's GF Value™ is $11.95, compared to a current price of $9.66 — trading 19.2% below its estimated fair value. The current 3-Year Book Growth Rate is 11.30%, which is 28% below median its 10-year median of 15.80 and 109.3% above the Software industry median of 5.40. PagSeguro Digital's overall GF Score™ is 88/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current 3-Year Book Growth Rate is 11.30% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PagSeguro Digital (PAGS) Overvalued in 2026?
Based on GuruFocus' analysis, PagSeguro Digital stock appears to be undervalued.
The current stock price of $9.66 is trading 19.2% below its estimated GF Value™ of $11.95.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
3-Year Book Growth Rate: 11.30% (28% below median its 10-year median of 15.80)
GF Value™: $11.95 vs. price of $9.66 (19.2% below fair value)
Industry Position: 109.3% above the Software median (#866 of 2484)
No single metric tells the full story. See the PAGS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PagSeguro Digital Ltd is a Brazilian-based company that acts as a provider of financial technology solutions focused on Micro-Merchants, Small Companies and Medium-Sized Companies (SMEs), in Brazil. The company provides a range of solutions and tools such as cash-in and cash-out options and provides access to working capital to help to manage its cash flow. It delivers an end-to-end digital ecosystem to address day-to-day financial needs, including receiving and spending funds and managing and growing businesses for clients. The company also offers the Free PagSeguro Digital Account delivering Cash-In Solutions, Online and In-Person Payment Tools, Online Payment Tools; and Web Check Outs offer tokenization, handling of shipping information, and others.
88GF Score
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