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PagSeguro DigitalPAGS -1.20%90 EV-to-EBITDA is 6.28 as of Jul. 18, 2026, which is 25% below its 10-year median of 8.36. GuruFocus rates PAGS with a GF Score™ of 90/100 and a GF Value™ of $12.05 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,950 Software companies, PagSeguro Digital ranks better than 72.15% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, PagSeguro Digital's enterprise value is $10,158 Mil.
PagSeguro Digital's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $1,618 Mil. Therefore, PagSeguro Digital's EV-to-EBITDA for today is 6.28.
The historical rank and industry rank for PagSeguro Digital's EV-to-EBITDA or its related term are showing as below:
PAGS'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.22 Med: 8.36 Max: 45.56
Current: 6.28
During the past 12 years, the highest EV-to-EBITDA of PagSeguro Digital was 45.56. The lowest was 3.22. And the median was 8.36.
PAGS's EV-to-EBITDA is ranked better than 72.15% of 1950
companies
in the Software industry
Industry Median: 10.49
vs PAGS: 6.28
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
PagSeguro Digital (NYSE:PAGS) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PagSeguro Digital's PE Ratio (TTM) for today is calculated as:
PagSeguro Digital's share price for today is $9.04.
PagSeguro Digital's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.359.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for PagSeguro Digital's EV-to-EBITDA 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 EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's EV-to-EBITDA falls into.
PagSeguro Digital's current Enterprise Value is $10,158 Mil.
PagSeguro Digital's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,618 Mil.
* 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 EV-to-EBITDA of 6.28 as of Jul. 18, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PagSeguro Digital. This is 25% below median its historical median of 8.36. Over the past decade, PagSeguro Digital's EV-to-EBITDA has ranged from 3.22 to 45.56. According to the industry distribution chart, PagSeguro Digital ranks #543 out of 1950 companies in the Software industry, placing it in the top 27.8%.
Is PagSeguro Digital's EV-to-EBITDA too high?
PagSeguro Digital's current EV-to-EBITDA of 6.28 is 25% below median its 10-year median of 8.36. Over the past 10 years, this metric has ranged from a low of 3.22 to a high of 45.56. The Software industry median EV-to-EBITDA is 10.49. PagSeguro Digital's value of 6.28 is 40.1% below this industry median. Based on the distribution chart, PagSeguro Digital ranks #543 out of 1950 companies in the Software industry, which is above the industry midpoint. 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 EV-to-EBITDA compare to ATEN and PAYO?
According to the Software industry distribution chart, PagSeguro Digital ranks #543 out of 1950 companies for EV-to-EBITDA. This puts PagSeguro Digital in the upper half of its industry. The industry median EV-to-EBITDA is 10.49. PagSeguro Digital's value of 6.28 is 40.1% below this benchmark. Historically, PagSeguro Digital's own EV-to-EBITDA has ranged from 3.22 to 45.56 over the past decade. While the company's 10-year median is 8.36 vs. the industry median of 10.49, 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 EV-to-EBITDA for a Software company?
The median EV-to-EBITDA among Software companies is 10.49, based on 1,950 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current EV-to-EBITDA of 6.28 is 40.1% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PagSeguro Digital. For the Software industry, the median EV-to-EBITDA is 10.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current EV-to-EBITDA is 6.28, which is 25% below median its own 10-year median of 8.36. 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 $12.05, compared to a current price of $9.04 — trading 25% below its estimated fair value. The current EV-to-EBITDA is 6.28, which is 25% below median its 10-year median of 8.36 and 40.1% below the Software industry median of 10.49. PagSeguro Digital's overall GF Score™ is 90/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current EV-to-EBITDA is 6.28 as of Jul. 18, 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 $9.04 is trading 25% below its estimated GF Value™ of $12.05.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
EV-to-EBITDA: 6.28 (25% below median its 10-year median of 8.36)
GF Value™: $12.05 vs. price of $9.04 (25% below fair value)
Industry Position: 40.1% below the Software median (#543 of 1950)
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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