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PagSeguro DigitalPAGS +1.03%90 Intrinsic Value: Projected FCF is $12.96 as of Sep. 08, 2026. GuruFocus rates PAGS with a GF Score™ of 90/100 and a GF Value™ of $11.91 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,475 Software companies, PagSeguro Digital ranks better than 77.42% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-08), PagSeguro Digital's Intrinsic Value: Projected FCF is $12.96. The stock price of PagSeguro Digital is $9.83. Therefore, PagSeguro Digital's Price-to-Intrinsic-Value-Projected-FCF of today is 0.8.
The historical rank and industry rank for PagSeguro Digital's Intrinsic Value: Projected FCF or its related term are showing as below:
PAGS'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.7 Med: 2.15 Max: 10.5
Current: 0.76
During the past 12 years, the highest Price-to-Intrinsic-Value-Projected-FCF of PagSeguro Digital was 10.50. The lowest was 0.70. And the median was 2.15.
PAGS's Price-to-Projected-FCF is ranked better than 77.42% of 1475
companies
in the Software industry
Industry Median: 1.44
vs PAGS: 0.76
PagSeguro Digital (NYSE:PAGS) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
PagSeguro Digital's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
9.83
/
12.955595661957
=
0.76
* 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 Intrinsic Value: Projected FCF Related Terms
PagSeguro Digital Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's Intrinsic Value: Projected FCF 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.
PagSeguro Digital Intrinsic Value: Projected FCF Chart
PAGS vs PAYO, CALX, FIVN: Intrinsic Value: Projected FCF Comparison
For the Software - Infrastructure subindustry, PagSeguro Digital's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's Price-to-Projected-FCF falls into.
PagSeguro Digital Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $12.96 mean?
PagSeguro Digital (PAGS) has a Intrinsic Value: Projected FCF of $12.96 as of Sep. 08, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PagSeguro Digital and its competitors. According to the industry distribution chart, PagSeguro Digital ranks #333 out of 1475 companies in the Software industry, placing it in the top 22.6%.
Is PagSeguro Digital's Intrinsic Value: Projected FCF too high?
PagSeguro Digital's current Intrinsic Value: Projected FCF is $12.96. The Software industry median Intrinsic Value: Projected FCF is 1.44. PagSeguro Digital's value of $12.96 is 800% above this industry median. Based on the distribution chart, PagSeguro Digital ranks #333 out of 1475 companies in the Software industry, which is in the top quartile — a strong position 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 Intrinsic Value: Projected FCF compare to PAYO and CALX?
According to the Software industry distribution chart, PagSeguro Digital ranks #333 out of 1475 companies for Intrinsic Value: Projected FCF. This places PagSeguro Digital in the top 23% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 1.44. PagSeguro Digital's value of $12.96 is 800% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Software company?
The median Intrinsic Value: Projected FCF among Software companies is 1.44, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current Intrinsic Value: Projected FCF of $12.96 is 800% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PagSeguro Digital and its competitors. For the Software industry, the median Intrinsic Value: Projected FCF is 1.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current Intrinsic Value: Projected FCF is $12.96. 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 $11.91, compared to a current price of $9.83 — trading 17.5% below its estimated fair value. The current Intrinsic Value: Projected FCF is $12.96 and 800% above the Software industry median of 1.44. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current Intrinsic Value: Projected FCF is $12.96 as of Sep. 08, 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 $9.83 is trading 17.5% below its estimated GF Value™ of $11.91.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
Intrinsic Value: Projected FCF: $12.96
GF Value™: $11.91 vs. price of $9.83 (17.5% below fair value)
Industry Position: 800% above the Software median (#333 of 1475)
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
Get the complete analysis for PAGS
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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