` PAGS (PagSeguro Digital Ltd) vs CIEL3 (Cielo SA) Comparison - Alpha Spread

PAGS
vs
CIEL3

Over the past 12 months, PAGS has underperformed CIEL3, delivering a return of -25% compared to the CIEL3's +2% growth.

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PAGS
CIEL3
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

PAGS Intrinsic Value
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CIEL3 Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
PagSeguro Digital Ltd
NYSE:PAGS
9.41 USD
Cielo SA
BOVESPA:CIEL3
5.83 BRL
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PAGS vs CIEL3

PAGS
CIEL3
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
PagSeguro Digital Ltd
Revenue
Cielo SA
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
PAGS vs CIEL3

PAGS
CIEL3
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
PagSeguro Digital Ltd
NYSE:PAGS
Cielo SA
BOVESPA:CIEL3
What is Free Cash Flow?

Gross Margin

PAGS
49.7%
CIEL3
45.8%
LTM 3Y Avg 5Y Avg 10Y Avg
PagSeguro Digital Ltd
Cielo SA

Operating Margin

PAGS
35.1%
CIEL3
25.2%
LTM 3Y Avg 5Y Avg 10Y Avg
PagSeguro Digital Ltd
Cielo SA

Net Margin

PAGS
11.2%
CIEL3
17.5%
LTM 3Y Avg 5Y Avg 10Y Avg
PagSeguro Digital Ltd
Cielo SA

FCF Margin

PAGS
-36.4%
CIEL3
77%
LTM 3Y Avg 5Y Avg 10Y Avg
PagSeguro Digital Ltd
Cielo SA

ROE

PAGS
15%
CIEL3
15.2%
LTM 3Y Avg 5Y Avg 10Y Avg
PagSeguro Digital Ltd
Cielo SA

ROA

PAGS
3.4%
CIEL3
1.9%
LTM 3Y Avg 5Y Avg 10Y Avg
PagSeguro Digital Ltd
Cielo SA

ROIC

PAGS
10.5%
CIEL3
7.3%
LTM 3Y Avg 5Y Avg 10Y Avg
PagSeguro Digital Ltd
Cielo SA

ROCE

PAGS
26.1%
CIEL3
10.7%
LTM 3Y Avg 5Y Avg 10Y Avg
PagSeguro Digital Ltd
Cielo SA

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
PAGS vs CIEL3

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Performance Gap
PAGS vs CIEL3

Performance Gap Between PAGS and CIEL3
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Performance By Year
PAGS vs CIEL3

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PAGS
CIEL3
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