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PagSeguro DigitalPAGS -0.60%90 Cash Ratio is 0.10 as of Mar. 2026, which is 29% below its 10-year median of 0.14. GuruFocus rates PAGS with a GF Score™ of 90/100 and a GF Value™ of $12.06 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 2,814 Software companies, PagSeguro Digital ranks worse than 89.16% on this metric.
PagSeguro Digital has a Cash Ratio of 0.10. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for PagSeguro Digital's Cash Ratio or its related term are showing as below:
PAGS'
s Cash Ratio Range Over the Past 10 Years
Min: 0.02 Med: 0.14 Max: 0.84
Current: 0.1
During the past 12 years, PagSeguro Digital's highest Cash Ratio was 0.84. The lowest was 0.02. And the median was 0.14.
PAGS's Cash Ratio is ranked worse than 89.16% of 2814
companies
in the Software industry
Industry Median: 0.78
vs PAGS: 0.10
PagSeguro Digital (NYSE:PAGS) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
PagSeguro Digital Cash Ratio Related Terms
PagSeguro Digital Cash Ratio Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's Cash Ratio 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.
For the Software - Infrastructure subindustry, PagSeguro Digital's Cash Ratio, along with its competitors' market caps and Cash Ratio 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 Ratio vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's Cash Ratio distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's Cash Ratio falls into.
* 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 Ratio of 0.10 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on PagSeguro Digital and its competitors. This is 29% below median its historical median of 0.14. Over the past decade, PagSeguro Digital's Cash Ratio has ranged from 0.02 to 0.84. According to the industry distribution chart, PagSeguro Digital ranks #2509 out of 2814 companies in the Software industry, placing it in the top 89.2%.
Is PagSeguro Digital's Cash Ratio too high?
PagSeguro Digital's current Cash Ratio of 0.10 is 29% below median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.84. The Software industry median Cash Ratio is 0.78. PagSeguro Digital's value of 0.10 is 87.2% below this industry median. Based on the distribution chart, PagSeguro Digital ranks #2509 out of 2814 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, PagSeguro Digital has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PagSeguro Digital's Cash Ratio compare to ATEN and PAYO?
According to the Software industry distribution chart, PagSeguro Digital ranks #2509 out of 2814 companies for Cash Ratio. This places PagSeguro Digital in the lower half of its industry. The industry median Cash Ratio is 0.78. PagSeguro Digital's value of 0.10 is 87.2% below this benchmark. Historically, PagSeguro Digital's own Cash Ratio has ranged from 0.02 to 0.84 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.78, PagSeguro Digital has consistently been below 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 Cash Ratio for a Software company?
The median Cash Ratio among Software companies is 0.78, based on 2,814 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current Cash Ratio of 0.10 is 87.2% below 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 Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on PagSeguro Digital and its competitors. For the Software industry, the median Cash Ratio is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current Cash Ratio is 0.10, which is 29% below median its own 10-year median of 0.14. 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 $12.06, compared to a current price of $9.16 — trading 24.1% below its estimated fair value. The current Cash Ratio is 0.10, which is 29% below median its 10-year median of 0.14 and 87.2% below the Software industry median of 0.78. PagSeguro Digital's overall GF Score™ is 90/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current Cash Ratio is 0.10 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 $9.16 is trading 24.1% below its estimated GF Value™ of $12.06.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
Cash Ratio: 0.10 (29% below median its 10-year median of 0.14)
GF Value™: $12.06 vs. price of $9.16 (24.1% below fair value)
Industry Position: 87.2% below the Software median (#2509 of 2814)
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.
90GF Score
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