STNE vs PAGS Stock Comparison: AI Score, Valuation, Performance and Upside
StoneCo and PagSeguro are both Brazilian fintech companies providing payment processing and banking services, but StoneCo focuses primarily on small and medium-sized business payments and software, while PagSeguro combines merchant payment processing with a broader consumer digital banking offering.
STNE offers exposure to Brazilian small business payment processing with expanding banking and software offerings, while PAGS offers exposure to a combination of merchant payments and consumer digital banking. The decision depends on whether you prefer a more business-focused fintech or one with broader consumer banking exposure, both tied to the Brazilian macroeconomic cycle.
STNE holds the edge across 3 of 5 key metrics in this comparison. PAGS has delivered stronger 1-year price return (-14.71% vs -52.97%), though STNE has the better forward P/E setup (4.85x vs 5.32x for PAGS). STNE leads on both revenue growth (1.60%) and operating margin (39.58%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for STNE (+33.44%) than for PAGS (+20.14%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to Brazilian small and medium-sized business payment processing
- Value a company expanding into banking and software services alongside core payments
- Believe deep understanding of the Brazilian small business market supports differentiated product development
- Are comfortable with exposure to Brazilian macroeconomic and credit risk cycles
- Want exposure to both Brazilian merchant payments and consumer digital banking
- Value diversified revenue streams spanning payments, banking, and financial services
- Believe digital banking account growth will continue supporting overall revenue growth
- Are comfortable with exposure to competitive take rate pressure in the Brazilian payments market
| Metric | STNE | PAGS |
|---|---|---|
| AI scorei | 23.7 | 24.1 |
| AI ranki | #3428 | #3276 |
| Latest closei | $7.39 | $7.65 |
| 1M returni | -22.62% | -15.19% |
| 3M returni | -34.19% | -17.06% |
| 6M returni | -33.30% | -20.41% |
| 1Y returni | -52.97% | -14.71% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | STNE | PAGS |
|---|---|---|
| 1Y ago | $5.68K (-43.2%) started 2025-11-03 | $9K (-10.0%) started 2025-11-03 |
| 5Y ago | $3.48K (-65.2%) started 2021-11-04 | $2.68K (-73.2%) started 2021-11-04 |
| 10Y ago | $3.44K (-65.6%) started 2018-10-25 | $3.1K (-69.0%) started 2018-01-24 |
Hypothetical — past performance does not guarantee future results.
| Metric | STNE | PAGS |
|---|---|---|
| Market capi | $2.65B | $2.71B |
| Trailing P/Ei | 4.45 | 6.83 |
| Forward P/Ei | 4.85 | 5.32 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 0.84 | 0.15 |
| Analyst targeti | $15.32 | $11.82 |
| Target upsidei | +33.44% | +20.14% |
| Metric | STNE | PAGS |
|---|---|---|
| Revenue growthi | 1.60% | -0.20% |
| Earnings growthi | -16.60% | 10.10% |
| EPS growthi | -16.60% | +10.10% |
| FCF margini | +52.08% | -9.37% |
| Operating margini | 39.58% | 36.20% |
| Profit margini | 24.71% | 10.86% |
| ROIC proxyi | 33.97% | 14.54% |
| Return on equityi | 33.97% | 14.54% |
| Dividend yieldi | 0.00% | 12.25% |
| Payout ratioi | 0.00% | 18.48% |
| Dividend growth streaki | N/A | No increase yet |
| Betai | 1.54 | 1.28 |
| Debt/equityi | 187.68 | 11.82 |
| Current ratioi | 1.26 | 1.55 |
| Quick ratioi | 1.13 | 1.44 |
Over the past year, STNE and PAGS have moved strongly in the same direction (correlation of 0.86), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | STNE | PAGS |
|---|---|---|---|
| 1Y | Growthi | -52.97% | -14.71% |
| CAGRi | -52.99% | -14.72% | |
| Volatilityi | 60.32% | 53.92% | |
| Sharpe ratioi | -1.01 | -0.10 | |
| Sortino ratioi | -1.28 | -0.14 | |
| Max drawdowni | 53.02% | 34.73% | |
| Current drawdowni | 53.02% | 34.73% | |
| Avg drawdowni | 26.48% | 14.57% | |
| Ulcer Indexi | 28.23% | 16.80% | |
| Max daily dropi | 27.44% | 25.17% | |
| Max wkly dropi | 32.49% | 30.59% | |
| 5Y | Growthi | -71.13% | -75.36% |
| CAGRi | -22.02% | -24.45% | |
| Volatilityi | 66.10% | 61.52% | |
| Sharpe ratioi | -0.11 | -0.22 | |
| Sortino ratioi | -0.16 | -0.32 | |
| Max drawdowni | 77.13% | 83.35% | |
| Current drawdowni | 71.75% | 77.63% | |
| Avg drawdowni | 59.10% | 69.16% | |
| Ulcer Indexi | 59.97% | 70.17% | |
| Max daily dropi | 34.62% | 25.17% | |
| Max wkly dropi | 45.67% | 34.14% | |
| 10Y | Growthi | -71.47% | -71.53% |
| CAGRi | -14.47% | -13.34% | |
| Volatilityi | 67.38% | 61.10% | |
| Sharpe ratioi | 0.04 | -0.00 | |
| Sortino ratioi | 0.06 | -0.00 | |
| Max drawdowni | 92.31% | 90.00% | |
| Current drawdowni | 90.49% | 86.57% | |
| Avg drawdowni | 62.41% | 56.77% | |
| Ulcer Indexi | 70.37% | 64.50% | |
| Max daily dropi | 34.62% | 25.17% | |
| Max wkly dropi | 45.67% | 39.44% |
| Category | STNE | PAGS |
|---|---|---|
| Company | StoneCo Ltd. | PagSeguro Digital Ltd. |
| Sector | Technology | Technology |
| Industry | Software - Infrastructure | Software - Infrastructure |
| Core business | A Brazilian financial technology company providing payment processing, banking, and software solutions to small and medium-sized businesses across Brazil. | A Brazilian financial technology company providing payment processing, digital banking, and financial services to small and medium-sized businesses and individual consumers across Brazil. |
| Investor focus | Total payment volume growth among small and medium-sized merchants, credit portfolio quality, and expansion of its banking and software offerings alongside core payments. | Total payment volume growth, digital banking account growth and deposit trends, and take rate dynamics amid competitive pricing pressure in the Brazilian payments market. |
- Established payment processing relationships with a large base of small and medium-sized Brazilian merchants support recurring transaction revenue
- Expansion into banking and software services alongside core payments creates opportunities to increase revenue per merchant
- Deep understanding of the Brazilian small business market supports tailored product development for local merchant needs
- Broad reach across both merchant payment processing and consumer digital banking provides multiple avenues for revenue growth
- Established brand recognition in the Brazilian small business and consumer payments market supports customer acquisition
- Diversified revenue streams spanning payments, banking, and financial services reduce reliance on any single product line
- Brazilian macroeconomic conditions, including interest rates and consumer spending, directly affect merchant payment volumes and credit performance
- Faces intense competition from both traditional banks and other Brazilian fintech payment processors
- Credit portfolio expansion carries inherent underwriting and macroeconomic risk that requires careful risk management
- Brazilian macroeconomic conditions, including interest rates and consumer spending, directly affect payment volumes and banking deposit trends
- Faces intense competition from both traditional banks and other Brazilian fintech payment processors competing on pricing
- Take rate compression from competitive pressure requires continued volume growth to sustain overall revenue growth
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