PagSeguro Digital's Days Sales Outstanding for the
three
months ended in Mar. 2026 was 991.08.
PagSeguro Digital's Days Inventory for the
three
months ended in Mar. 2026 was 0.
PagSeguro Digital's Days Payable for the
three
months ended in Mar. 2026 was 21.87.
Therefore, PagSeguro Digital's Cash Conversion Cycle (CCC) for the
three
months ended in Mar. 2026 was 969.21.
PagSeguro Digital (NYSE:PAGS) Cash Conversion Cycle Explanation
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
PagSeguro Digital Cash Conversion Cycle Related Terms
PagSeguro Digital Cash Conversion Cycle Historical Data
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The historical data trend for PagSeguro Digital's Cash Conversion Cycle can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PAGS vs CALX, EEFT, STNE: Cash Conversion Cycle Comparison
For the Software - Infrastructure subindustry, PagSeguro Digital's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle 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 Cash Conversion Cycle vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's Cash Conversion Cycle falls into.
PagSeguro Digital Cash Conversion Cycle Calculation
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
PagSeguro Digital's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PagSeguro Digital (PAGS) has a Cash Conversion Cycle of 969.21 as of Mar. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on PagSeguro Digital and its competitors.
Is PagSeguro Digital's Cash Conversion Cycle too high?
PagSeguro Digital's current Cash Conversion Cycle is 969.21. The Software industry median Cash Conversion Cycle is 32.53. PagSeguro Digital's value of 969.21 is 2879.4% above this industry median. 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 Cash Conversion Cycle compare to CALX and EEFT?
PagSeguro Digital's Cash Conversion Cycle of 969.21 can be compared against companies in the Software industry. The industry median Cash Conversion Cycle is 32.53. PagSeguro Digital's value of 969.21 is 2879.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Software company?
The median Cash Conversion Cycle among Software companies is 32.53, based on 2,807 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current Cash Conversion Cycle of 969.21 is 2879.4% 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 Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on PagSeguro Digital and its competitors. For the Software industry, the median Cash Conversion Cycle is 32.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current Cash Conversion Cycle is 969.21. 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 $9.07 — trading 24.1% below its estimated fair value. The current Cash Conversion Cycle is 969.21 and 2879.4% above the Software industry median of 32.53. 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 Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current Cash Conversion Cycle is 969.21 as of Mar. 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 $9.07 is trading 24.1% below its estimated GF Value™ of $11.95.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
Cash Conversion Cycle: 969.21
GF Value™: $11.95 vs. price of $9.07 (24.1% below fair value)
Industry Position: 2879.4% above the Software median
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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