PICS logo

PICS NV

PICSNASDAQ
πŸ† #2689 by market capEarnings Sep 1US Equity
$10.94β–Ό $0.55 (βˆ’5.03%)
πŸŒ™ After hours$10.94β–² 0.00%Regular close Β· extended-hours price shown
1hβ€”
24hβ–Ό 5.0%
7dβ–Ό 18.4%
14dβ–Ό 9.1%
30dβ–Ό 7.3%
1yβ€”
🏦Market Cap
$1.42B
Small Cap
πŸ“ˆRevenue Growth (YoY)
β€”
πŸ“ŠGross Margin
66.1%
High
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
3.7x
Fair
Otter Score
64
Fair

Trading Snapshot

Day Range
$10.83 – $11.11
52-Week Range
β€”
Volume
$3.96B
Avg Volume
$4.72B
Shares Outstanding
129.6M
Next Earnings
Sep 16, 2026

Fundamentals Snapshot

Annual Revenue
$6.28B
Last Q Revenue
$2.30B
P/E Ratio
6.5
P/S Ratio
3.7x
EPS (TTM)
β€”
Dividend Yield
β€”

Why Investors Own PICS

  • βœ“High-growth profile β€” revenue up -1.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 74% gross margin and 7% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$6.28Bβ–² +0.4% YoY
Gross Margin (TTM)
74.3%β–Ό βˆ’0.2% YoY
Operating Income (TTM)
$779Mβ–² +0.4% YoY
Free Cash Flow (TTM)
$452Mβ–² +0.4% YoY

About PICS NV

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 SΓ£o 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.

🦦

Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Ratings

β“˜
Consensus
Buy
12 analysts
Strong Buy5
Buy6
Hold1
Sell0
Strong Sell0
Ratings as of Aug 2026

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