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 (-8.21% vs -39.85%), though STNE has the better forward P/E setup (4.29x 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 (+50.12%) 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 | 24.0 | 24.3 |
| AI ranki | #3483 | #3320 |
| Latest closei | $9.53 | $9.26 |
| 1M returni | +0.63% | +11.03% |
| 6M returni | -13.59% | +4.01% |
| 1Y returni | -39.85% | -8.21% |
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 | $7.26K (-27.4%) started 2025-09-18 | $9.69K (-3.1%) started 2025-09-18 |
| 5Y ago | $3.44K (-65.6%) started 2021-09-20 | $1.97K (-80.3%) started 2021-09-20 |
| 10Y ago | $4.44K (-55.6%) started 2018-10-25 | $3.76K (-62.4%) started 2018-01-24 |
Hypothetical — past performance does not guarantee future results.
| Metric | STNE | PAGS |
|---|---|---|
| Market capi | $2.33B | $2.71B |
| Trailing P/Ei | 3.77 | 6.83 |
| Forward P/Ei | 4.29 | 5.32 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 0.82 | 0.15 |
| Analyst targeti | $15.18 | $11.82 |
| Target upsidei | +50.12% | +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 | N/A | 12.25% |
| Payout ratioi | 0.00% | 17.40% |
| Dividend growth streaki | N/A | No increase yet |
| Betai | 1.62 | 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 0.78), 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 | -39.85% | -8.21% |
| CAGRi | -39.88% | -8.21% | |
| Volatilityi | 48.97% | 43.06% | |
| Sharpe ratioi | -0.88 | -0.09 | |
| Sortino ratioi | -1.13 | -0.12 | |
| Max drawdowni | 43.27% | 27.98% | |
| Current drawdowni | 40.72% | 18.61% | |
| Avg drawdowni | 24.03% | 14.57% | |
| Ulcer Indexi | 26.45% | 16.19% | |
| Max daily dropi | 19.38% | 11.76% | |
| Max wkly dropi | 19.61% | 17.10% | |
| 5Y | Growthi | -71.48% | -81.89% |
| CAGRi | -22.22% | -28.98% | |
| Volatilityi | 64.70% | 61.18% | |
| Sharpe ratioi | -0.13 | -0.33 | |
| Sortino ratioi | -0.19 | -0.47 | |
| Max drawdowni | 82.10% | 89.20% | |
| Current drawdowni | 71.48% | 82.44% | |
| Avg drawdowni | 66.48% | 78.52% | |
| Ulcer Indexi | 67.55% | 79.42% | |
| Max daily dropi | 34.62% | 23.78% | |
| Max wkly dropi | 45.67% | 34.51% | |
| 10Y | Growthi | -63.20% | -65.53% |
| CAGRi | -11.89% | -11.59% | |
| Volatilityi | 66.59% | 60.39% | |
| Sharpe ratioi | 0.07 | 0.02 | |
| Sortino ratioi | 0.11 | 0.03 | |
| Max drawdowni | 92.31% | 90.00% | |
| Current drawdowni | 87.74% | 83.75% | |
| Avg drawdowni | 62.01% | 56.39% | |
| Ulcer Indexi | 70.07% | 64.19% | |
| Max daily dropi | 34.62% | 23.78% | |
| 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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