PagSeguro DigitalPAGS +0.11%90 Net Margin % is 10.90% as of Mar. 2026, which is 3% below its 10-year median of 11.21. GuruFocus rates PAGS with a GF Score™ of 90/100 and a GF Value™ of $11.93 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 2,825 Software companies, PagSeguro Digital ranks better than 76.53% on this metric.
The historical rank and industry rank for PagSeguro Digital's Net Margin % or its related term are showing as below:
PAGS'
s Net Margin % Range Over the Past 10 Years
Min: 9.81 Med: 11.21 Max: 23.93
Current: 10.41
PAGS's Net Margin % is ranked better than 76.53% of 2825
companies
in the Software industry
Industry Median: 2.54
vs PAGS: 10.41
PagSeguro Digital (NYSE:PAGS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PagSeguro Digital Net Margin % Related Terms
PagSeguro Digital Net Margin % Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's Net Margin % distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's Net Margin % 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 Net Margin % of 10.90% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PagSeguro Digital and its competitors. This is near median its historical median of 11.21. Over the past decade, PagSeguro Digital's Net Margin % has ranged from 9.81 to 23.93. According to the industry distribution chart, PagSeguro Digital ranks #663 out of 2825 companies in the Software industry, placing it in the top 23.5%.
Is PagSeguro Digital's Net Margin % too high?
PagSeguro Digital's current Net Margin % of 10.90% is near median its 10-year median of 11.21. Over the past 10 years, this metric has ranged from a low of 9.81 to a high of 23.93. The Software industry median Net Margin % is 2.54. PagSeguro Digital's value of 10.90% is 329.1% above this industry median. Based on the distribution chart, PagSeguro Digital ranks #663 out of 2825 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 Net Margin % compare to CALX and EEFT?
According to the Software industry distribution chart, PagSeguro Digital ranks #663 out of 2825 companies for Net Margin %. This places PagSeguro Digital in the top 24% of its industry — outperforming the majority of peers. The industry median Net Margin % is 2.54. PagSeguro Digital's value of 10.90% is 329.1% above this benchmark. Historically, PagSeguro Digital's own Net Margin % has ranged from 9.81 to 23.93 over the past decade. While the company's 10-year median is 11.21 vs. the industry median of 2.54, 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 Net Margin % for a Software company?
The median Net Margin % among Software companies is 2.54, based on 2,825 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current Net Margin % of 10.90% is 329.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PagSeguro Digital and its competitors. For the Software industry, the median Net Margin % is 2.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current Net Margin % is 10.90%, which is near median its own 10-year median of 11.21. 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 $8.77 — trading 26.5% below its estimated fair value. The current Net Margin % is 10.90%, which is near median its 10-year median of 11.21 and 329.1% above the Software industry median of 2.54. PagSeguro Digital's overall GF Score™ is 90/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current Net Margin % is 10.90% 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 $8.77 is trading 26.5% below its estimated GF Value™ of $11.93.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
Net Margin %: 10.90% (near median its 10-year median of 11.21)
GF Value™: $11.93 vs. price of $8.77 (26.5% below fair value)
Industry Position: 329.1% above the Software median (#663 of 2825)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PAGS has been successfully added to your 
