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PagSeguro DigitalPAGS +5.41%88 Cash-to-Debt is 0.08 as of Jun. 2026, which is 87% below its 10-year median of 0.62. GuruFocus rates PAGS with a GF Score™ of 88/100 and a GF Value™ of $11.93 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,842 Software companies, PagSeguro Digital ranks worse than 93.67% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. PagSeguro Digital's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.08.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, PagSeguro Digitalcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for PagSeguro Digital's Cash-to-Debt or its related term are showing as below:
PAGS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.62 Max: No Debt
Current: 0.08
During the past 12 years, PagSeguro Digital's highest Cash to Debt Ratio was No Debt. The lowest was 0.04. And the median was 0.62.
PAGS's Cash-to-Debt is ranked worse than 93.67% of 2842
companies
in the Software industry
Industry Median: 2.47
vs PAGS: 0.08
PagSeguro Digital (NYSE:PAGS) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
PagSeguro Digital Cash-to-Debt Related Terms
PagSeguro Digital Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Software - Infrastructure subindustry, PagSeguro Digital's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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-to-Debt vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's Cash-to-Debt 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-to-Debt of 0.08 as of Jun. 2026. This is 87% below median its historical median of 0.62. Over the past decade, PagSeguro Digital's Cash-to-Debt has ranged from 0.04 to 10,000.00. According to the industry distribution chart, PagSeguro Digital ranks #2662 out of 2842 companies in the Software industry, placing it in the top 93.7%.
Is PagSeguro Digital's Cash-to-Debt too high?
PagSeguro Digital's current Cash-to-Debt of 0.08 is 87% below median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.47. PagSeguro Digital's value of 0.08 is 96.8% below this industry median. Based on the distribution chart, PagSeguro Digital ranks #2662 out of 2842 companies in the Software industry, which is in the bottom quartile relative to peers. 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-to-Debt compare to PAYO and CALX?
According to the Software industry distribution chart, PagSeguro Digital ranks #2662 out of 2842 companies for Cash-to-Debt. This places PagSeguro Digital in the lower half of its industry. The industry median Cash-to-Debt is 2.47. PagSeguro Digital's value of 0.08 is 96.8% below this benchmark. Historically, PagSeguro Digital's own Cash-to-Debt has ranged from 0.04 to 10,000.00 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 2.47, 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-to-Debt for a Software company?
The median Cash-to-Debt among Software companies is 2.47, based on 2,842 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current Cash-to-Debt of 0.08 is 96.8% 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Cash-to-Debt is 2.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current Cash-to-Debt is 0.08, which is 87% below median its own 10-year median of 0.62. 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 $11.93, compared to a current price of $10.13 — trading 15.1% below its estimated fair value. The current Cash-to-Debt is 0.08, which is 87% below median its 10-year median of 0.62 and 96.8% below the Software industry median of 2.47. 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-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current Cash-to-Debt is 0.08 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 $10.13 is trading 15.1% below its estimated GF Value™ of $11.93.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
Cash-to-Debt: 0.08 (87% below median its 10-year median of 0.62)
GF Value™: $11.93 vs. price of $10.13 (15.1% below fair value)
Industry Position: 96.8% below the Software median (#2662 of 2842)
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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