PICS logo

PICS NV

PICSNASDAQ
πŸ† #3712 by market capEarnings Nov 23US Equity
$8.57β–² $0.39 (+4.59%)
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24hβ–² 4.6%
7dβ–Ό 7.9%
14dβ–Ό 11.8%
30dβ–Ό 19.2%
ytdβ€”
1yβ€”
🏦Market Cap
$1.11B
Small Cap
πŸ“ˆRevenue Growth (YoY)
β€”
πŸ“ŠGross Margin
68.4%
High
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$8.48 – $8.70
52-Week Range
β€”
Volume
$3.96B
Avg Volume
$4.72B
Shares Outstanding
129.6M
Next Earnings
Nov 4, 2026

Fundamentals Snapshot

Annual Revenue
$10.28B
Last Q Revenue
$4.12B
P/E Ratio
4.1
P/S Ratio
2.4x
EPS (TTM)
β€”
Dividend Yield
β€”
Dilution (1yr)
βˆ’17.6%

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.

PICS logo

PICS NV

PICS
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$10.3Bβ–² +98.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
50.8%β–Ό βˆ’8.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$4.0Bβ–² +1067.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$4.4Bβ–Ό βˆ’358.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
106.7Mβ–Ό βˆ’17.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$4.8Bβ–² +$2.8B YoY
StockOtter Β· stockotter.space

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Ratings

β“˜
Consensus
Buy
13 analysts
Strong Buy5
Buy7
Hold1
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

PYMNTSΒ·26d ago

PicPay Launches Anthropic Claude Integration for Banking Inquiries

Brazilian digital bank PicPay has begun rolling out an integration with Anthropic's Claude that enables PicPay customers to check financial information in Claude by using natural-language commands.

GlobeNewsWireΒ·27d ago

PicPay Announces Integration with Claude, Expanding Customer Access to Financial Information through Generative AI

PicPay continues to accelerate its AI strategy, building on the recent introduction of the company's ChatGPT plugin to simplify how customers manage their financial lives PicPay continues to accelerate its AI strategy, b

Seeking AlphaΒ·Aug 25

PicPay Holdings (PICS) Q2 2026 Earnings Call Transcript

PicPay Holdings (PICS) Q2 2026 Earnings Call Transcript

GlobeNewsWireΒ·Aug 24

PicPay Announces Second Quarter 2026 Results

Company exceeded guidance across key metrics, driven by continued growth and resiliency of its lending portfolio and greater operating efficiency

GlobeNewsWireΒ·Aug 17

PicPay to Announce Second Quarter 2026 Results on August 24, 2026

SÃO PAULO, Aug. 17, 2026 (GLOBE NEWSWIRE) -- PicPay (NASDAQ: PICS) will release financial results for the second quarter of 2026 on Monday, August 24, 2026, after market close. PicPay will also host a conference call and

GlobeNewsWireΒ·Aug 17

PicPay Transforms How Customers Access Their Financial Information Through Integration with ChatGPT

New feature marks the next step in PicPay's AI-focused strategy to help customers manage their financial lives New feature marks the next step in PicPay's AI-focused strategy to help customers manage their financial live