PagSeguro DigitalPAGS +0.11%90 PB Ratio is 0.91 as of Jun. 29, 2026, which is 63% below its 10-year median of 2.47. GuruFocus rates PAGS with a GF Score™ of 90/100 and a GF Value™ of $11.95 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,621 Software companies, PagSeguro Digital ranks better than 84.74% on this metric.
PagSeguro Digital Ltd stock PB Ratio (=0.91) is close to 1-year low of 0.86.
The historical rank and industry rank for PagSeguro Digital's PB Ratio or its related term are showing as below:
PAGS'
s PB Ratio Range Over the Past 10 Years
Min: 0.76 Med: 2.47 Max: 38.21
Current: 0.91
During the past 12 years, PagSeguro Digital's highest PB Ratio was 38.21. The lowest was 0.76. And the median was 2.47.
PAGS's PB Ratio is ranked better than 84.74% of 2621
companies
in the Software industry
Industry Median: 2.33
vs PAGS: 0.91
During the past 12 months, PagSeguro Digital's average Book Value Per Share Growth Rate was 15.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 33.60% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of PagSeguro Digital was 125.10% per year. The lowest was 3.20% per year. And the median was 15.80% per year.
Back to Basics: PB Ratio
PagSeguro Digital (NYSE:PAGS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PagSeguro Digital PB Ratio Related Terms
PagSeguro Digital PB Ratio Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's PB Ratio distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PagSeguro Digital (PAGS) has a PB Ratio of 0.91 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PagSeguro Digital and its competitors. This is 63% below median its historical median of 2.47. Over the past decade, PagSeguro Digital's PB Ratio has ranged from 0.76 to 38.21. According to the industry distribution chart, PagSeguro Digital ranks #400 out of 2621 companies in the Software industry, placing it in the top 15.3%.
Is PagSeguro Digital's PB Ratio too high?
PagSeguro Digital's current PB Ratio of 0.91 is 63% below median its 10-year median of 2.47. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 38.21. The Software industry median PB Ratio is 2.33. PagSeguro Digital's value of 0.91 is 60.9% below this industry median. Based on the distribution chart, PagSeguro Digital ranks #400 out of 2621 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 PB Ratio compare to ATEN and PAYO?
According to the Software industry distribution chart, PagSeguro Digital ranks #400 out of 2621 companies for PB Ratio. This places PagSeguro Digital in the top 15% of its industry — outperforming the majority of peers. The industry median PB Ratio is 2.33. PagSeguro Digital's value of 0.91 is 60.9% below this benchmark. Historically, PagSeguro Digital's own PB Ratio has ranged from 0.76 to 38.21 over the past decade. While the company's 10-year median is 2.47 vs. the industry median of 2.33, 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 PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.33, based on 2,621 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current PB Ratio of 0.91 is 60.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PagSeguro Digital and its competitors. For the Software industry, the median PB Ratio is 2.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current PB Ratio is 0.91, which is 63% below median its own 10-year median of 2.47. 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 $11.95, compared to a current price of $9.08 — trading 24% below its estimated fair value. The current PB Ratio is 0.91, which is 63% below median its 10-year median of 2.47 and 60.9% below the Software industry median of 2.33. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current PB Ratio is 0.91 as of Jun. 29, 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 $9.08 is trading 24% below its estimated GF Value™ of $11.95.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
PB Ratio: 0.91 (63% below median its 10-year median of 2.47)
GF Value™: $11.95 vs. price of $9.08 (24% below fair value)
Industry Position: 60.9% below the Software median (#400 of 2621)
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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