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PagSeguro DigitalPAGS -2.75%90 EV-to-OCF is 7.70 as of Jul. 27, 2026, which is 31% below its 10-year median of 11.14. GuruFocus rates PAGS with a GF Score™ of 90/100 and a GF Value™ of $12.10 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,876 Software companies, PagSeguro Digital ranks worse than 53.86% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, PagSeguro Digital's Enterprise Value is $10,325 Mil.
PagSeguro Digital's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $1,341 Mil. Therefore, PagSeguro Digital's EV-to-OCF for today is 7.70.
The historical rank and industry rank for PagSeguro Digital's EV-to-OCF or its related term are showing as below:
PAGS'
s EV-to-OCF Range Over the Past 10 Years
Min: -207.41 Med: 11.14 Max: 290.28
Current: 7.7
During the past 12 years, the highest EV-to-OCF of PagSeguro Digital was 290.28. The lowest was -207.41. And the median was 11.14.
PAGS's EV-to-OCF is ranked worse than 53.86% of 2876
companies
in the Software industry
Industry Median: 6.695
vs PAGS: 7.70
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (NYSE:PAGS) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $9.20.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PagSeguro Digital EV-to-OCF Related Terms
PagSeguro Digital EV-to-OCF Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's EV-to-OCF falls into.
PagSeguro Digital's current Enterprise Value is $10,325 Mil.
PagSeguro Digital's Cash Flow from Operations 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 $1,341 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-OCF of 7.70 as of Jul. 27, 2026. This is 31% below median its historical median of 11.14. According to the industry distribution chart, PagSeguro Digital ranks #1549 out of 2876 companies in the Software industry, placing it in the top 53.9%.
Is PagSeguro Digital's EV-to-OCF too high?
PagSeguro Digital's current EV-to-OCF of 7.70 is 31% below median its 10-year median of 11.14. The Software industry median EV-to-OCF is 6.70. PagSeguro Digital's value of 7.70 is 15% above this industry median. Based on the distribution chart, PagSeguro Digital ranks #1549 out of 2876 companies in the Software industry, which is below 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-OCF compare to AVPT and STNE?
According to the Software industry distribution chart, PagSeguro Digital ranks #1549 out of 2876 companies for EV-to-OCF. This places PagSeguro Digital in the lower half of its industry. The industry median EV-to-OCF is 6.70. PagSeguro Digital's value of 7.70 is 15% above this benchmark. While the company's 10-year median is 11.14 vs. the industry median of 6.70, 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 EV-to-OCF for a Software company?
The median EV-to-OCF among Software companies is 6.70, based on 2,876 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current EV-to-OCF of 7.70 is 15% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median EV-to-OCF is 6.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current EV-to-OCF is 7.70, which is 31% below median its own 10-year median of 11.14. 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 $12.10, compared to a current price of $9.20 — trading 24% below its estimated fair value. The current EV-to-OCF is 7.70, which is 31% below median its 10-year median of 11.14 and 15% above the Software industry median of 6.70. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current EV-to-OCF is 7.70 as of Jul. 27, 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 $9.20 is trading 24% below its estimated GF Value™ of $12.10.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
EV-to-OCF: 7.70 (31% below median its 10-year median of 11.14)
GF Value™: $12.10 vs. price of $9.20 (24% below fair value)
Industry Position: 15% above the Software median (#1549 of 2876)
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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