PagSeguro DigitalPAGS +0.11%90 OCF Margin % is 18.58% as of Mar. 2026, which is 40% above its 10-year median of 13.29. 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 2,812 Software companies, PagSeguro Digital ranks better than 92.71% on this metric.
The historical rank and industry rank for PagSeguro Digital's OCF Margin % or its related term are showing as below:
PAGS'
s OCF Margin % Range Over the Past 10 Years
Min: -40.68 Med: 13.29 Max: 37.05
Current: 35.2
During the past 12 years, the highest OCF Margin % of PagSeguro Digital was 37.05%. The lowest was -40.68%. And the median was 13.29%.
PAGS's OCF Margin % is ranked better than 92.71% of 2812
companies
in the Software industry
Industry Median: 6.745
vs PAGS: 35.20
PagSeguro Digital OCF Margin % Related Terms
PagSeguro Digital OCF Margin % Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's OCF Margin % distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's OCF 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 OCF Margin % of 18.58% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PagSeguro Digital and its competitors. This is 40% above median its historical median of 13.29. According to the industry distribution chart, PagSeguro Digital ranks #205 out of 2812 companies in the Software industry, placing it in the top 7.3%.
Is PagSeguro Digital's OCF Margin % too high?
PagSeguro Digital's current OCF Margin % of 18.58% is 40% above median its 10-year median of 13.29. The Software industry median OCF Margin % is 6.75. PagSeguro Digital's value of 18.58% is 175.5% above this industry median. Based on the distribution chart, PagSeguro Digital ranks #205 out of 2812 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 OCF Margin % compare to CALX and EEFT?
According to the Software industry distribution chart, PagSeguro Digital ranks #205 out of 2812 companies for OCF Margin %. This places PagSeguro Digital in the top 7% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 6.75. PagSeguro Digital's value of 18.58% is 175.5% above this benchmark. While the company's 10-year median is 13.29 vs. the industry median of 6.75, 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 OCF Margin % for a Software company?
The median OCF Margin % among Software companies is 6.75, based on 2,812 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current OCF Margin % of 18.58% is 175.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PagSeguro Digital and its competitors. For the Software industry, the median OCF Margin % is 6.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current OCF Margin % is 18.58%, which is 40% above median its own 10-year median of 13.29. 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 $11.93, compared to a current price of $8.77 — trading 26.5% below its estimated fair value. The current OCF Margin % is 18.58%, which is 40% above median its 10-year median of 13.29 and 175.5% above the Software industry median of 6.75. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current OCF Margin % is 18.58% 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:
OCF Margin %: 18.58% (40% above median its 10-year median of 13.29)
GF Value™: $11.93 vs. price of $8.77 (26.5% below fair value)
Industry Position: 175.5% above the Software median (#205 of 2812)
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
OCF 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 
