PagSeguro Digital Ltd. (PAGS): history, ownership, mission, how it works & makes money

PagSeguro Digital Ltd. (PAGS): history, ownership, mission, how it works & makes money

BR | Technology | Software - Infrastructure | NYSE

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A Brief History of PagSeguro Digital Ltd. (PAGS)

Company Overview

PagSeguro Digital Ltd. is a Brazilian financial technology company headquartered in São Paulo, Brazil. Founded in 2006 as a subsidiary of UOL Inc.

Financial Performance

Fiscal Year Total Revenue Net Income Total Payment Volume
2023 $1.96 billion $326.4 million $53.7 billion
2022 $1.72 billion $279.6 million $47.3 billion

Key Business Segments

  • Digital Banking Services
  • Payment Processing
  • Point of Sale (POS) Solutions
  • Digital Merchant Services

Market Position

As of 2024, PagSeguro holds approximately 30% market share in Brazilian digital payment solutions.

Stock Performance

Stock Exchange Ticker Symbol Current Stock Price Market Capitalization
NYSE PAGS $22.47 $7.3 billion

Customer Base

Total Active Users: 2.4 million

  • Small Business Users: 1.6 million
  • Individual Users: 800,000

Technology Infrastructure

Processing Transactions Per Day: 1.2 million

Digital Payment Platforms: 3 primary platforms

Geographic Reach

Primarily operating in Brazil with emerging international expansion strategies.



A Who Owns PagSeguro Digital Ltd. (PAGS)

Major Shareholders

As of 2024, the ownership structure of PagSeguro Digital Ltd. (PAGS) includes the following key shareholders:

Shareholder Percentage Ownership
UOL Group Limited 92.5%
Public Shareholders 7.5%

Institutional Investors

Top institutional investors include:

  • Baillie Gifford & Co: 5.23%
  • Capital Research Global Investors: 4.87%
  • Vanguard Group Inc: 3.45%
  • BlackRock Inc: 3.12%

Founder and Executive Ownership

Key executive ownership details:

Executive Ownership Percentage
Ricardo Duarte (CEO) 0.5%
Eduardo Mazzilli (CFO) 0.3%

Stock Information

NYSE Ticker Symbol: PAGS

Total Shares Outstanding: 180,456,789

Market Capitalization: $4.7 billion



PagSeguro Digital Ltd. (PAGS) Mission Statement

Company Overview

PagSeguro Digital Ltd. is a Brazilian financial technology company headquartered in São Paulo, Brazil. As of Q4 2023, the company reported total revenue of $658.3 million.

Core Business Focus

The company specializes in providing digital payment and financial services for small and medium-sized enterprises (SMEs) in Brazil.

Financial Metric 2023 Value
Total Revenue $658.3 million
Net Income $147.2 million
Total Payment Volume $52.1 billion

Strategic Objectives

  • Expand digital payment ecosystem
  • Provide integrated financial solutions
  • Support Brazilian SME market

Market Penetration

As of December 2023, PagSeguro serves 1.9 million active merchants and processes approximately 1.3 billion transactions annually.

Key Performance Indicators

Metric 2023 Data
Active Merchants 1,900,000
Annual Transactions 1.3 billion
Digital Account Users 24.1 million

Technology Infrastructure

PagSeguro operates with advanced proprietary payment processing technology, supporting multiple payment methods including credit/debit cards, digital wallets, and bank transfers.



How PagSeguro Digital Ltd. (PAGS) Works

Company Overview

PagSeguro Digital Ltd. is a Brazilian financial technology company headquartered in São Paulo. As of Q4 2023, the company has processed $22.1 billion in total payment volume.

Business Segments

  • Digital Banking Services
  • Payment Processing
  • E-commerce Solutions
  • Point-of-Sale (POS) Systems

Financial Performance

Financial Metric 2023 Value
Total Revenue $1.87 billion
Net Income $378.5 million
Active Merchants 1.8 million
Total Payment Volume $22.1 billion

Technology Infrastructure

PagSeguro operates a cloud-based platform with 99.9% uptime, supporting multiple payment methods including credit/debit cards, bank transfers, and digital wallets.

Market Presence

  • Primarily operates in Brazil
  • Publicly traded on NYSE under ticker PAGS
  • Market capitalization: $6.3 billion

Payment Processing Rates

Transaction Type Processing Fee
Credit Card 2.99% - 4.49%
Debit Card 1.99% - 2.49%
Bank Transfer 1.49% - 1.99%


How PagSeguro Digital Ltd. (PAGS) Makes Money

Digital Payment Processing Revenue

PagSeguro generates revenue through multiple digital payment processing channels:

Transaction Processing Fees 2.99% - 4.99% per transaction
Monthly Payment Platform Subscription $9.90 - $49.90 per month
Credit Card Processing Revenue $187.4 million in Q3 2023

Payment Ecosystem Services

  • Digital account services
  • Payment gateway solutions
  • Point-of-sale terminal sales

Financial Performance Metrics

Total Revenue 2022 $1.08 billion
Net Income 2022 $236.7 million
Total Payment Volume 2022 $50.3 billion

Revenue Streams

  • Digital payment processing
  • Credit card acquirer services
  • Financial technology solutions
  • Merchant acquiring services

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