PagSeguro Digital Ltd. (Class A) (PAGS) — RQD Stock Rating Cockpit

$7.94 -1.61% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $7.90

PagSeguro Digital Ltd. (Class A) (PAGS) carries a Roarable Rating of D (Sell) with 45/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $2.31B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PAGS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, PagSeguro Digital Ltd. (Class A) (NYSE: PAGS) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $7.94 (-1.61% 1D, market cap $2.31B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 9/20. Across 714 tracked Technology issuers, PAGS ranks #413 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PAGS compare to RAMP and ATHM in the Technology sector?
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Within the Technology sector (EDP Services), PAGS carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, RAMP (LiveRamp Holdings Inc.) holds a C+ grade (66/100 RQD, P/E 15.9x, ROIC 11.6%, cap $2.32B) and ATHM (Autohome Inc. each representing four . (Class A)) posts a D grade (49/100 RQD, P/E 11.3x, ROIC 2.9%, cap $2.29B). Among the 5-stock peer group, ATHM leads on earnings multiple (11.3x) while DXC leads on capital efficiency (54.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PAGS?
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For PagSeguro Digital Ltd. (Class A) (PAGS), key quantitative strengths include Established market leader in Technology with deep daily trading liquidity. and sector rank #413 in Technology, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $7.90 (-0.48%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 1.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.3% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510045
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D
Cash (12)Whales (4)SEC (13)Macro (7)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-5.8% Base Target
$13 Bull$7 Base$6 Bear
📬 FREE PAGS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PAGS)Realized 20D OHLCV Swing Band: ±9.3%
Deterministic 5-Pillar Attribution (45/100 Composite)
🔍 WHY PAGS SCORES 45/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (27% of score)

SEC XBRL Trailing 12 Months: 1.6% FCF Margin ($64.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$10.99+6.6% Next Q
Q2 (-2Q)
50
Grade C-$11.72-28.3% Next Q
Q3 (-1Q)
48
Grade D$8.40-5.5% Next Q
Current
45
Grade D$7.94-6.3% Hist 90D α
Trajectory: C- (53) → D (45)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a PAGS Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PAGS currently carries a cautious 45/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Technology with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($9.70) and Max Pain ($8.34) forces dealer call-delta covering toward $12.94.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PAGS• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PAGS Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
RSI-14 MOMENTUMOVERSOLD (<32)
31.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE9% OF RANGE
L: $8$7.94H: $12
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 13 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 20 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PAGS

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (33)

13/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like PAGS
  • ✓Established market leader in Technology with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PAGS)

  • ✓Walkthrough of PAGS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PAGS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -18.56%📐 HORIZONTAL RANGE
2026-11-03O $8.07H $8.07L $7.94C $7.94VOL 2.99M
RES: $12.04SUP: $7.44SMA50: $9.70SMA200: $9.78
$12.06$10.82$9.59$8.35$7.12RES $12.04SUP $7.44$7.942026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PAGS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PAGS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PAGS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PAGS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PAGS)

Technology Rank #413 of 714 ⚔️ RAMP vs PAGS Full Matrix →

1. Head-to-Head Technology Peer Comparison (PAGS vs. RAMP, ATHM, DXC, LFTO)

Industry: EDP Services (163 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, PagSeguro Digital Ltd. (Class A) (PAGS) ranks #413 by composite RQD confidence (45/100, grade D) and #278 by equity capitalization ($2.31B). Within this direct 5-issuer industry benchmark cohort, ATHM leads on earnings valuation at 11.3x trailing P/E, while DXC leads on capital efficiency and profitability with 54.2% ROIC and — gross margin. RAMP currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with PAGS at 45/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PAGS ACTIVE
PagSeguro Digital Ltd. (Class A)
D 45/100 — — — -1.61% $2.31B Benchmark Subject
RAMP
LiveRamp Holdings Inc.
C+ 66/100 15.9x 70.7% 11.6% +0.24% $2.32B /ramp-vs-pags →
ATHM
Autohome Inc. each representing four . (Class A)
D 49/100 11.3x 72.4% 2.9% -1.83% $2.29B /athm-vs-pags →
DXC
DXC Technology Company
C 64/100 135.2x — 54.2% -1.64% $2.39B /dxc-vs-pags →
LFTO
Liftoff Mobile Inc.
D- 43/100 — — — -7.50% $2.50B /lfto-vs-pags →

2. PAGS Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

PagSeguro Digital Ltd. (Class A) (PAGS) operates in EDP Services (Technology) with an equity capitalization of $2.31B, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. PAGS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PAGS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, PagSeguro Digital Ltd. (Class A) (NYSE: PAGS) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $7.94 (-1.61% 1D, market cap $2.31B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 9/20. Across 714 tracked Technology issuers, PAGS ranks #413 in composite RQD confidence.

How does PAGS compare to RAMP and ATHM in the Technology sector?

Within the Technology sector (EDP Services), PAGS carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, RAMP (LiveRamp Holdings Inc.) holds a C+ grade (66/100 RQD, P/E 15.9x, ROIC 11.6%, cap $2.32B) and ATHM (Autohome Inc. each representing four . (Class A)) posts a D grade (49/100 RQD, P/E 11.3x, ROIC 2.9%, cap $2.29B). Among the 5-stock peer group, ATHM leads on earnings multiple (11.3x) while DXC leads on capital efficiency (54.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PAGS?

For PagSeguro Digital Ltd. (Class A) (PAGS), key quantitative strengths include Established market leader in Technology with deep daily trading liquidity. and sector rank #413 in Technology, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PAGS trading relative to its 50-day, 200-day, and 52-week technical levels?

PAGS last traded at $7.94 (-1.61% on volume of 2,990,396 shares), positioning the stock -18.14% below its 50-day simple moving average ($9.70) and -18.81% below its 200-day simple moving average ($9.78). Across its 52-week range of $7.50 to $12.32, PAGS sits at the 9.1% percentile with a 14-day RSI of 31.2 (OVERSOLD (<32)) and an implied next-earnings move of ±9.3% ($7.20 to $8.68).

PAGS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PAGS stock right now?

PagSeguro Digital Ltd. (Class A) (PAGS) currently earns a Roarable Rating of D (Sell — SELL) with 45/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is PAGS's 12-month price target and RQD AI Jury consensus?

PAGS's 12-month base price target is $7.48 (range $5.83 to $12.94), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

ROARABLE RATING BRIEF • RQD 45/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

PAGS — PagSeguro Digital Ltd. (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T14:12:29Z

Roarable Rating Brief: What This Means to a Prospective Investor

The Roarable RQD Score is 46, graded D, with the verdict "Roarable Sell — Underperform / Distribution Warning" (per the Roarable RQD rating). Across the five pillars:

  • Fundamental Cash Engine: 12 / 20 (ROIC 0%; FCF yield 0%). Per the Roarable RQD rating and market data, the company reports zero return on invested capital and zero free-cash-flow yield, meaning the cash-generation pillar offers little support for valuation today.
  • Whale 13F Flow: 4 / 20 (institutional accumulation and options positioning). This is the weakest pillar, indicating limited institutional accumulation signal in the source data.
  • Insider Conviction: 9 / 20 (SEC Form 4 and Congressional PTR cluster flow). Insider-flow evidence is weak relative to the maximum.
  • Macro Regime Fit: 8 / 20 (Beta 1.0; sector sensitivity). A beta of 1.0 implies market-level sensitivity, and the pillar score signals only modest regime alignment.
  • Forensic Balance Sheet: 13 / 20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5). This is the strongest pillar, with a moderate Altman Z, a Piotroski score of 6 out of 9, and a Debt/Equity of 0.5.

For a prospective investor, the upside case rests mainly on the balance-sheet pillar and on recent price strength, while the downside case rests on zero reported ROIC, zero FCF yield, and the weakest institutional-flow pillar. Valuation multiples (P/E, EV/EBITDA) are not available in the source data, so the tradeoff between price and earnings power cannot be quantified from these sources. The rating frames the setup as a distribution warning rather than an accumulation signal.

Recent Catalysts & News Wire Analysis

Recent headlines (all tagged to PAGS) include:

  • A Yahoo Finance report on the stock dropping despite market gains (tagged CATALYST, GREEN).
  • Two Motley Fool / Yahoo Finance reports on the stock soaring (tagged CATALYST, GREEN).
  • A GuruFocus report on shares surging 21.4% with a GF Score of 83 (tagged CATALYST, GREEN).
  • A Simply Wall St report on the stock appearing undervalued on earnings power (tagged MARKET WIRE, YELLOW).
  • A Benzinga report on insider Alexandre Magnani selling $709K of shares (tagged MARKET WIRE, YELLOW).

The insider-sale headline is the main risk-watch item in the wire. The source data does not include the body text of these articles, so the underlying causes of the price moves are not confirmed. The Butterfly Supply-Chain Graph reports no supply-chain links and no proprietary signals.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and 2nd-order bottlenecks are therefore not available in source data. Investors should not infer ripple effects from this graph, since none are recorded.

Open Questions

  • What are the reported revenue, operating income, net income, EPS, FCF, cash, and debt figures by period, given that the financials section is empty?
  • What are the trailing and forward P/E and EV/EBITDA multiples, which would allow valuation to be compared against the zero-ROIC and zero-FCF-yield profile?
  • What is the analyst consensus and price-target range, and does any sell-side coverage exist?
  • What do the 13F institutional holdings and recent Form 4 / Congressional trades show, given the whale-flow pillar scores only 4 / 20?
  • What specific events drove the recent headlines (the 21.4% surge and the day's drop), and are they tied to a sustained fundamental change?

PAGS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for PagSeguro Digital Ltd. (Class A) (PAGS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PAGS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PAGS Bull vs. Bear Conversation Board — What's Your Call at $7.94?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PAGS 🐻 50% BEARISH CONVICTION
1. Pick Your Side on PAGS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $8.72 (+8.1%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is PAGS (D • RQD 46/100) a Buy at $8.07?

Welcome to the PAGS (PagSeguro Digital Ltd. (Class A)) Roar Pit. Current RQD Composite is 46/100 (Roarable Sell — Underperform / Distribution Warning) in EDP Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

VA ValDiscipline Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $6.70 (-17.0%)
Spot @ $8.07

Pump the brakes on PAGS — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on PAGS, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless PagSeguro Digital Ltd. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $9.28 (+15.0%)
Spot @ $8.07

PAGS cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on PAGS, the market is fixating on short-term headline noise in EDP Services and ignoring the balance sheet and cash flow trajectory. At $8.07 (52-wk range $7.50 - $12.32), any beat on forward guidance forces shorts and underweight funds to chase.

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