STNE vs PAGS Comparison: AI Score, Valuation, Performance and Upside
Compare StoneCo and PagSeguro by Brazilian payment processing market share, SMB banking platform, revenue growth trajectory, operating margin, and which Brazilian fintech is better positioned as Latin America's digital payments market matures.
Use this StoneCo vs PagSeguro comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
STNE and PAGS are closely matched — they split the tracked metrics evenly. PAGS has delivered stronger 1-year price return (+17.47% vs -2.36%), though STNE has the better forward P/E setup (0.88x vs 0.96x for PAGS). Analyst consensus implies meaningfully more upside for STNE (+49.50%) than for PAGS (+28.24%).
| Metric | STNE | PAGS |
|---|---|---|
| AI score | 23.4 | 23.6 |
| AI rank | #3558 | #3500 |
| Latest close | $10.76 | $9.20 |
| 1M return | -0.55% | +4.90% |
| 6M return | -19.05% | -13.81% |
| 1Y return | -2.36% | +17.47% |
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 | $11.79K (+17.9%) started 2025-07-24 | $12.03K (+20.3%) started 2025-07-24 |
| 5Y ago | $2.77K (-72.3%) started 2021-07-26 | $1.82K (-81.8%) started 2021-07-26 |
| 10Y ago | $5.01K (-49.9%) started 2018-10-25 | $3.51K (-64.9%) started 2018-01-24 |
Hypothetical — past performance does not guarantee future results.
| Metric | STNE | PAGS |
|---|---|---|
| Market cap | $2.62B | $2.57B |
| Trailing P/E | 3.96 | 6.39 |
| Forward P/E | 0.88 | 0.96 |
| Price/Sales | 0.19 | 0.13 |
| EV/Revenue | 0.66 | 0.15 |
| Analyst target | $16.09 | $11.80 |
| Target upside | +49.50% | +28.24% |
| Metric | STNE | PAGS |
|---|---|---|
| Revenue growth | 4.30% | 1.50% |
| Earnings growth | 273.80% | 12.20% |
| EPS growth | +273.80% | +12.20% |
| FCF margin | +17.08% | +26.40% |
| Operating margin | N/A | N/A |
| Profit margin | 25.95% | 10.79% |
| ROIC proxy | 30.70% | 14.52% |
| Return on equity | 30.70% | 14.52% |
| Dividend yield | 0.00% | 10.75% |
| Beta | 1.60 | 1.29 |
| Debt/equity | 133.64 | 17.59 |
| Current ratio | 1.33 | 1.43 |
| Quick ratio | 1.23 | 1.33 |
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 | Growth | -2.36% | +17.47% |
| CAGR | -2.36% | +17.48% | |
| Sharpe ratio | 0.11 | 0.49 | |
| Max drawdown | 40.22% | 27.21% | |
| Max daily drop | 19.38% | 11.76% | |
| Max wkly drop | 19.61% | 17.10% | |
| 5Y | Growth | -77.09% | -82.75% |
| CAGR | -25.55% | -29.66% | |
| Sharpe ratio | -0.20 | -0.35 | |
| Max drawdown | 87.73% | 89.84% | |
| Max daily drop | 34.62% | 23.78% | |
| Max wkly drop | 45.67% | 34.51% | |
| 10Y | Growth | -58.45% | -66.75% |
| CAGR | -10.72% | -12.16% | |
| Sharpe ratio | 0.10 | 0.02 | |
| Max drawdown | 92.31% | 90.00% | |
| Max daily drop | 34.62% | 23.78% | |
| Max wkly drop | 45.67% | 39.44% |
| Category | STNE | PAGS |
|---|---|---|
| Company | STNE | PAGS |
| Sector | N/A | N/A |
| Industry | N/A | N/A |
| Core business | N/A | N/A |
| Investor focus | N/A | N/A |
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