PicS N.V. (NASDAQ: PICS) is a Technology company in the Software - Infrastructure industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 4.24 | EPS (ttm) | 2.19 | Insider Own | 3.57% | Shs Outstand | 129.59M | Perf Week | -9.11% |
| Market Cap | 1.20B | Forward P/E | 15.32 | EPS next Y | 0.61 | Insider Trans | 8.10% | Shs Float | 22.15M | Perf Month | -11.62% |
| Enterprise Value | 7.08B | PEG | 0.06 | EPS next Q | 0.08 | Inst Own | - | Short Float | 0.89% | Perf Quarter | -11.62% |
| Income | 253.00M | P/S | 0.54 | EPS this Y | -86.17% | Inst Trans | - | Short Ratio | 2.55 | Perf Half Y | -24.37% |
| Sales | 2.23B | P/B | 0.99 | EPS next Y | 100.01% | ROA | 2.58% | Short Interest | 1.15M | Perf YTD | -51.18% |
| Book/sh | 9.41 | P/C | 1.15 | EPS next 5Y | 73.59% | ROE | 28.34% | 52W High | 19.09 -51.39% | Perf Year | - |
| Cash/sh | 8.09 | P/FCF | 2.53 | EPS past 3/5Y | - | ROIC | 5.77% | 52W Low | 8.32 11.54% | Perf 3Y | - |
| Dividend Est. | - | EV/EBITDA | 16.59 | Sales past 3/5Y | 46.71% - | Gross Margin | 67.18% | Volatility | 4.99% 6.59% | Perf 5Y | - |
| Dividend TTM | - | EV/Sales | 3.17 | EPS Y/Y TTM | 604.56% | Oper. Margin | 25.42% | ATR (14) | 0.70 | Perf 10Y | - |
| Dividend Ex-Date | - | Quick Ratio | 0.00 | Sales Y/Y TTM | 133.06% | Profit Margin | 11.36% | RSI (14) | 34.21 | Recom | 2.00 |
| Dividend Gr. 3/5Y | - | Current Ratio | 0.00 | EPS Q/Q | 62.96% | SMA20 | -11.60% | Beta | 2.47 | Target Price | 16.00 |
| Payout | 0.00% | Debt/Eq | 0.22 | Sales Q/Q | 29.10% | SMA50 | -17.84% | Rel Volume | 1.00 | Prev Close | 9.53 |
| Employees | 4,644 | LT Debt/Eq | 0.22 | Earnings | Nov 23 | SMA200 | -23.74% | Avg Volume | 409.07K | Price | 9.28 |
| IPO Date | Jan 30, 2026 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 461.41% 525.23% | Net Debt/EBITDA | 15.03 | Volume | 407,451 | Change | -2.62% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Aug-26-26 | Reiterated | Mizuho | Outperform | $18 → $16 |
| Aug-25-26 | Reiterated | RBC Capital | Outperform | $18 → $16 |
| Jun-03-26 | Reiterated | Mizuho Securities | Outperform | $30 → $18 |
| Jun-03-26 | Reiterated | Wolfe Research | $16 → $15 | |
| Jun-03-26 | Reiterated | RBC Capital | Outperform | $20 → $18 |
| Apr-29-26 | Initiated | BTG Pactual | Buy | $20 |
| Feb-24-26 | Reiterated | Wells Fargo | $27 | |
| Feb-23-26 | Initiated | Mizuho | Outperform | $30 |
| Feb-23-26 | Initiated | RBC Capital | Outperform | $20 |
| Feb-19-26 | Initiated | HSBC | Buy | $21 |
PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in São Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil's Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | |
|---|---|---|---|---|---|---|---|
| Total Revenue | 2,235 | 1,838 | 959 | — | — | — | |
| Cost of Goods Sold Incl. D&A | 1,057 | 890 | 425 | — | — | — | |
| Gross Profit | 1,512 | 934 | 534 | — | — | — | |
| Selling, General and Administrative Excl. Other | 492 | 402 | 303 | — | — | — | |
| Research and Development | 84 | 0 | 0 | — | — | — | |
| Other Operating Expense | 316 | 336 | 167 | — | — | — | |
| Operating Income | 567 | 723 | 64 | — | — | — | |
| Interest Expense | 838 | 620 | 261 | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 391 | -46 | 261 | — | — | — | |
| Net Income Before Taxes | 120 | 57 | 64 | — | — | — | |
| Income Taxes | -135 | -147 | 17 | — | — | — | |
| Consolidated Net Income | 253 | 195 | 40 | — | — | — | |
| Net Income From Continuing Operations | 254 | 204 | 47 | — | — | — | |
| Net Income | 253 | 195 | 40 | — | — | — | |
| EPS (Recurring) | 2.19 | 1.83 | 0.31 | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 2.19 | 1.83 | 0.31 | — | — | — | |
| EPS (Diluted) | 2.19 | 1.83 | 0.31 | — | — | — | |
| EBITDA | 427 | 133 | 118 | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | |
| Price To Earnings Ratio | 4.24 | — | — | — | — | — | |
| Price To Sales Ratio | 0.54 | — | — | — | — | — | |
| Gross Margin | 67.65 | 50.82 | 55.68 | — | — | — | |
| Operating Margin | 25.37 | 39.34 | 6.67 | — | — | — | |
| Net Margin | 11.32 | 10.61 | 4.17 | — | — | — | |
| Shares Outstanding | 130 | 107 | 130 | — | — | — | |
| Market Capitalization | 1,206 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Augusto Cazotto Andre | IR, Strategy and M&A Officer | Jun 11 '26 | Buy | 9.41 | 49,500 | 465,795 | 57,700 | Jun 12 |
| Batista Costa Jose Antonio | Director | Jun 10 '26 | Buy | 9.47 | 18,500 | 175,195 | 4,373,479 | Jun 12 |
| Batista Costa Jose Antonio | Director | Jun 09 '26 | Buy | 9.73 | 20,800 | 202,384 | 4,376,109 | Jun 10 |
| Batista Costa Jose Antonio | Director | Jun 08 '26 | Buy | 9.42 | 21,130 | 199,045 | 4,355,309 | Jun 10 |
| Pruett William Rodney | Director | Jun 05 '26 | Buy | 9.10 | 25,000 | 227,500 | 25,000 | Jun 08 |
| Batista Costa Jose Antonio | Director | Jun 05 '26 | Buy | 9.16 | 21,833 | 199,990 | 4,313,049 | Jun 08 |
| Batista Costa Jose Antonio | Director | Jun 04 '26 | Buy | 9.09 | 22,000 | 199,980 | 4,291,216 | Jun 08 |
| Augusto Cazotto Andre | IR, Strategy and M&A Officer | Mar 31 '26 | Buy | 10.69 | 1,700 | 18,173 | 1,700 | Apr 01 |
| Chedid Simoes Eduardo | Chief Executive Officer | Mar 26 '26 | Buy | 11.52 | 87,505 | 1,008,058 | 87,505 | Mar 27 |
| Augusto Cazotto Andre | IR, Strategy and M&A Officer | Mar 25 '26 | Buy | 11.55 | 6,500 | 75,075 | 6,500 | Mar 26 |
| Pruett William Rodney | Director | Mar 23 '26 | Buy | 11.80 | 100,000 | 1,180,000 | 100,000 | Mar 24 |