Visão geral da empresa
A digital financial services company operating primarily in Brazil, PicS N.V. delivers a comprehensive digital wallet and application ecosystem designed for both individual consumers and corporate entities. The organization functions within the Technology sector, specifically classified under the Software - Infrastructure industry, which implies a reliance on proprietary technology platforms to facilitate financial transactions and infrastructure services. Despite the substantial scale of operations indicated by its reported financials, specific data regarding the total market capitalization and the precise employee count are currently unavailable in the provided records. The annual revenue reported over the trailing twelve months reaches $10.28 billion, a figure that suggests the company commands a significant position in the Brazilian instant payment landscape, particularly through its focus on the Pix system and peer-to-peer transfers.
Saúde financeira
Over the trailing twelve months, the company generated $10.28 billion in revenue while recording a net income of $1.09 billion and an EBITDA of $3.89 billion. The substantial gap between the total revenue of $10.28 billion and the net income of $1.09 billion reveals a significant operational cost structure, where approximately 89.4% of revenue is consumed by operating expenses, taxes, or interest before arriving at the bottom line, though the high gross margin mitigates some of this pressure. Free cash flow for the period stands at -$1.84 billion, indicating a negative cash generation from operations relative to capital expenditures, which implies limited immediate financial flexibility for large-scale reinvestment without external financing. Gross margin is reported at 93.3%, demonstrating highly scalable software delivery models with minimal variable costs per transaction, while the operating margin sits at 32.8% and the profit margin at 10.6%, reflecting the heavy overhead typical of infrastructure-heavy fintech platforms. Total cash holdings amount to $3.91 billion, which exceeds the total debt load of $1.61 billion, yet the debt-to-equity ratio is 41.47, suggesting a capital structure that is leveraged relative to shareholders' equity. The current ratio is 0.90, indicating that current liabilities slightly exceed current assets, which presents a neutral-to-tight stance on short-term liquidity management. Return on Equity stands at 40.4% and Return on Assets at 7.0%, metrics that reveal highly effective management in generating returns on shareholder capital, although the ROA suggests that the asset base is large relative to the income generated.
Avaliação de valorização
The trailing twelve-month P/E ratio is 6.08, whereas the forward P/E is 3.13, a discrepancy that implies the market expects earnings growth sufficient to lower the multiple, though specific growth drivers must be weighed against the current profitability levels. The Price to Book ratio is not available in the current dataset, preventing a direct assessment of the market premium or discount relative to the company's book value. Similarly, the Price to Sales ratio and EV/EBITDA metrics are not disclosed, which limits the ability to compare this valuation against revenue-based or enterprise value multiples used in peer analysis. The stock's 52-week trading range spans from a low of $10.22 to a high of $19.95, defining the volatility bounds within which the security has traded during the most recent fiscal year. Without a specific current share price provided in the source data to calculate the exact percentage deviation from the 52-week high or low, the absolute price bounds serve as the primary reference for recent market sentiment. The Beta value is not listed, meaning volatility relative to the broader market index cannot be quantified based on the available information.
Growth & Income
Revenue growth over the last year accelerated to 68.7%, signaling rapid market expansion or successful adoption of digital wallet services among Brazilian consumers. Earnings growth is not explicitly calculated in the provided data due to the unavailability of year-over-year comparative income figures, making it impossible to determine if earnings are expanding at a pace faster or slower than the top line. The company does not pay a dividend, evidenced by a dividend yield of N/A and a payout ratio of 0.0%, which indicates that the firm retains all earnings to fund operations, repay debt, or invest in growth initiatives rather than distributing cash to shareholders. This reinvestment strategy is consistent with the nature of infrastructure software companies that prioritize scaling their digital wallet ecosystem and transactional products over income distribution.