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PagSeguro DigitalPAGS -2.03%90 Equity-to-Asset is 0.19 as of Mar. 2026, which is 34% below its 10-year median of 0.29. GuruFocus rates PAGS with a GF Score™ of 90/100 and a GF Value™ of $12.13 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,893 Software companies, PagSeguro Digital ranks worse than 84.89% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. PagSeguro Digital's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $2,777 Mil. PagSeguro Digital's Total Assets for the quarter that ended in Mar. 2026 was $14,376 Mil.
Therefore, PagSeguro Digital's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.19.
The historical rank and industry rank for PagSeguro Digital's Equity-to-Asset or its related term are showing as below:
PAGS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.19 Med: 0.29 Max: 0.63
Current: 0.19
During the past 12 years, the highest Equity to Asset Ratio of PagSeguro Digital was 0.63. The lowest was 0.19. And the median was 0.29.
PAGS's Equity-to-Asset is ranked worse than 84.89% of 2893
companies
in the Software industry
Industry Median: 0.56
vs PAGS: 0.19
PagSeguro Digital (NYSE:PAGS) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
PagSeguro Digital Equity-to-Asset Related Terms
PagSeguro Digital Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's Equity-to-Asset 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 AVPT, STNE, ATEN: Equity-to-Asset Comparison
For the Software - Infrastructure subindustry, PagSeguro Digital's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
PagSeguro Digital's Equity to Asset Ratio 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 Equity-to-Asset of 0.19 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PagSeguro Digital and its competitors. This is 34% below median its historical median of 0.29. Over the past decade, PagSeguro Digital's Equity-to-Asset has ranged from 0.19 to 0.63. According to the industry distribution chart, PagSeguro Digital ranks #2456 out of 2893 companies in the Software industry, placing it in the top 84.9%.
Is PagSeguro Digital's Equity-to-Asset too high?
PagSeguro Digital's current Equity-to-Asset of 0.19 is 34% below median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.63. The Software industry median Equity-to-Asset is 0.56. PagSeguro Digital's value of 0.19 is 66.1% below this industry median. Based on the distribution chart, PagSeguro Digital ranks #2456 out of 2893 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 Equity-to-Asset compare to AVPT and STNE?
According to the Software industry distribution chart, PagSeguro Digital ranks #2456 out of 2893 companies for Equity-to-Asset. This places PagSeguro Digital in the lower half of its industry. The industry median Equity-to-Asset is 0.56. PagSeguro Digital's value of 0.19 is 66.1% below this benchmark. Historically, PagSeguro Digital's own Equity-to-Asset has ranged from 0.19 to 0.63 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.56, 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 Equity-to-Asset for a Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,893 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current Equity-to-Asset of 0.19 is 66.1% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PagSeguro Digital and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current Equity-to-Asset is 0.19, which is 34% below median its own 10-year median of 0.29. 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 $12.13, compared to a current price of $9.64 — trading 20.5% below its estimated fair value. The current Equity-to-Asset is 0.19, which is 34% below median its 10-year median of 0.29 and 66.1% below the Software industry median of 0.56. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current Equity-to-Asset is 0.19 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 $9.64 is trading 20.5% below its estimated GF Value™ of $12.13.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
Equity-to-Asset: 0.19 (34% below median its 10-year median of 0.29)
GF Value™: $12.13 vs. price of $9.64 (20.5% below fair value)
Industry Position: 66.1% below the Software median (#2456 of 2893)
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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