PAGS (PagSeguro Digital) GF Value Rank: 8 (As of Jul. 07, 2026) — 100% Above Median


PAGS PagSeguro Digital Ltd PAGS
88 GF Score
Price $8.93
GF Value $11.95
Valuation Modestly Undervalued
! 4 Warning Signs
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What is PagSeguro Digital GF Value Rank?

PagSeguro Digital PAGS -2.08% 88 GF Value Rank is 8 as of Jul. 07, 2026, which is 100% above its 10-year median of 4.00. GuruFocus rates PAGS with a GF Score™ of 88/100 and a GF Value™ of $11.95 (Modestly Undervalued). The stock has 4 warning signs investors should review.

PagSeguro Digital has the GF Value Rank of 8.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.


PagSeguro Digital GF Value Rank Related Terms


PAGS vs ATEN, PAYO, STNE: GF Value Rank Comparison

For the Software - Infrastructure subindustry, PagSeguro Digital's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Software Industry

For the Software industry and Technology sector, PagSeguro Digital's GF Value Rank distribution charts can be found below:

* The bar in red indicates where PagSeguro Digital's GF Value Rank falls into.


PAGS
88GF Score
PagSeguro Digital Ltd PAGS
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 8 mean?
PagSeguro Digital (PAGS) has a GF Value Rank of 8 as of Jul. 07, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on PagSeguro Digital and its competitors. This is 100% above median its historical median of 4.00. Over the past decade, PagSeguro Digital's GF Value Rank has ranged from 2.00 to 10.00.
Is PagSeguro Digital's GF Value Rank too high?
PagSeguro Digital's current GF Value Rank of 8 is 100% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 10.00. Overall, PagSeguro Digital has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PagSeguro Digital's GF Value Rank compare to ATEN and PAYO?
PagSeguro Digital's GF Value Rank of 8 can be compared against companies in the Software industry. Historically, PagSeguro Digital's own GF Value Rank has ranged from 2.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Software company?
A good GF Value Rank depends on the Software industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on PagSeguro Digital and its competitors. PagSeguro Digital's current GF Value Rank is 8, which is 100% above median its own 10-year median of 4.00. 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 $8.93 — trading 25.3% below its estimated fair value. The current GF Value Rank is 8, which is 100% above median its 10-year median of 4.00. PagSeguro Digital's overall GF Score™ is 88/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For PagSeguro Digital (PAGS), the current GF Value Rank is 8 as of Jul. 07, 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 $8.93 is trading 25.3% below its estimated GF Value™ of $11.95. GuruFocus considers PagSeguro Digital to be Modestly Undervalued.

Key valuation signals for PAGS:

  • GF Value Rank: 8 (100% above median its 10-year median of 4.00)
  • GF Value™: $11.95 vs. price of $8.93 (25.3% below fair value)
  • GF Score™: 88/100 with 4 warning signs

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 Business Description

Other Exchanges 1JY:GermanyPAGS34:Brazil
Address Cricket Square, Hutchins Drive, P.O. Box 2681, Grand Cayman, CYM, KY1-1111
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.
88GF Score

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GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.93
Price
$11.95
GF Value