Pics N.V./$PICS
1D1W1MYTD1Y5YMAX
Capital at risk
About Pics N.V.
PicS NV is a digital payments company. The company operates a peer-to-peer (P2P) transfer platform that enables individuals to send money via mobile devices. It provides digital wallets, instant payments (Pix), P2P transfers, credit cards, loans, investments, insurance, and SMB payment solutions. The company has four reportable segments: Consumer Banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration, and Institutional. The majority of the company's revenue is derived from the Consumer Banking segment, which generates revenue from various transaction activities occurring in the digital wallet, such as Pix, peer-to-peer (P2P) transfers, and bill payments.
- Ticker
- $PICS
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 4,644
- Headquarters
- São Paulo, Brazil
- Website
- www.picpay.com
Pics N.V. Metrics
BasicAdvanced
$1.2B
4.57
$1.99
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Price and volume
Market cap
$1.2B
52-week high
$18.49
52-week low
$8.08
Average daily volume
537K
Financial strength
Current ratio
0.999
Quick ratio
0.924
Long term debt to equity
0.465
Total debt to equity
0.548
Interest coverage (TTM)
1.46%
Profitability
EBITDA (TTM)
1,050.306
Gross margin (TTM)
83.59%
Net profit margin (TTM)
9.97%
Operating margin (TTM)
40.60%
Effective tax rate (TTM)
-116.72%
Revenue per employee (TTM)
$552,550
Management effectiveness
Valuation
Price to earnings (TTM)
4.569
Price to revenue (TTM)
0.456
Price to book
0.19
Price to tangible book (TTM)
0.23
Price to free cash flow (TTM)
-4.812
Free cash flow yield (TTM)
-20.78%
Free cash flow per share (TTM)
-1.889
Growth
Revenue change (TTM)
73.10%
What the Analysts think about Pics N.V.
Analyst ratings (Buy, Hold, Sell) for Pics N.V. stock.
Analyst projections of the future price of Pics N.V. stock.
Bulls say / Bears say
Q2 showed strong earnings momentum: managerial revenue reached about R$3.7 billion, net interest income was R$2.0 billion and adjusted net income rose 135% year on year to R$283 million. Each major profitability measure exceeded guidance, giving the growth story recent operating proof. (Markets Insider, StockTitan)
PicS has meaningful scale to cross-sell financial products: total accounts reached 70.4 million and active clients 45.4 million, while ARPAC was more than four times cost to serve. That combination supports the case for operating leverage as customers use more credit, insurance and payments services. (Markets Insider, Simply Wall St)
The company is broadening beyond lending through insurance and SMB services. The completed Kovr acquisition adds insurance product, underwriting and distribution capabilities, while Q3 guidance includes new insurance and SMB earnings contributions and projects managerial revenue of about R$4.04 billion. (Markets Insider, Insider Monkey)
Credit quality is worsening as the loan book expands: non-performing loans over 90 days reached 9.8% of the portfolio and Stage 3 exposure reached 12.9% in Q2. That leaves earnings vulnerable to higher provisions, especially as PicS deliberately enters riskier lending areas. (Yahoo Finance, Simply Wall St)
A securities class action creates a legal and credibility overhang. The allegations concern undisclosed weaknesses in credit procedures, a R$590 million Stage 2-to-Stage 3 reclassification and an R$88 million additional expected-credit-loss charge before the IPO. (Morningstar, AP News)
Funding is becoming more expensive while credit risk remains elevated: Q2 funding costs rose to 96.2% of CDI, up from 94%, and management still forecasts a 3.9%–4.1% cost of risk for Q3. This could limit the benefit of rapid loan growth if funding or impairment costs rise further. (Stock Observer, Yahoo Finance)
Data summarised monthly by Lightyear AI. Last updated on 27 Sept 2026.
Pics N.V. Financial Performance
Revenues and expenses
Pics N.V. Earnings Performance
Company profitability
Upcoming events
No upcoming events
Pics N.V. News
AllArticlesVideos
PicPay Launches Anthropic Claude Integration for Banking Inquiries
PYMNTS4 weeks ago
PICS DEADLINE TODAY: ROSEN, A LEADING LAW FIRM, Encourages PicS N.V. Investors to Secure Counsel Before Important August 4 Deadline in Securities Class Action - PICS
Newsfile Corp2 months ago
CLASS ACTION DEADLINE TONIGHT: Faruqi & Faruqi, LLP Reminds PicS N.V. (PICS) Investors of Securities Class Action Lawsuit Deadline on August 4, 2026
Business Wire2 months ago
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