Financial Highlights - PagSeguro Digital Ltd's net revenue for Q1 2025 reached R$49 billion, a 13% year-over-year increase[17] - The company's total payment volume (TPV) for Q1 2025 was R$129 billion, up 16% year-over-year[17] - Net income for Q1 2025 was R$554 million, representing a 6% year-over-year increase[17] - The expanded credit portfolio grew to R$46 billion, a 34% increase year-over-year[19] - Total funding increased to R$40 billion, a 24% year-over-year increase[19] Operational Highlights - PagSeguro Digital Ltd had 320 million total clients in Q1 2025, a 2% year-over-year increase[17] - The company repurchased R$11 billion worth of shares LTM and R$353 million YTD (Apr-25)[20] - Active banking clients increased by 5% year-over-year[54] Business Performance - Banking revenue increased by 60% year-over-year, contributing to over 22% of total gross profit[128, 92] - Total deposits reached R$339 billion, an 11% year-over-year increase[39, 76] - Payroll loans increased by 63% year-over-year, reaching R$27 billion[39, 82] Future Outlook - The company is on track to deliver its 2025 guidance[128] - PagSeguro Digital Ltd expects to pay a cash dividend corresponding to approximately 10% of its net income on an annual basis[118]

Core Insights - PagSeguro Digital Ltd. reported quarterly earnings of $0.31 per share, exceeding the Zacks Consensus Estimate of $0.29 per share, but down from $0.33 per share a year ago, indicating a 6.90% earnings surprise [1] - The company generated revenues of $827.14 million for the quarter, slightly missing the Zacks Consensus Estimate by 0.01%, and down from $869.86 million year-over-year [2] - PagSeguro Digital's stock has increased approximately 57.7% since the beginning of the year, significantly outperforming the S&P 500's gain of 0.1% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.30, with projected revenues of $874.15 million, while the estimate for the current fiscal year is $1.24 on revenues of $3.6 billion [7] - The estimate revisions trend for PagSeguro Digital is mixed, resulting in a Zacks Rank 3 (Hold), suggesting the stock is expected to perform in line with the market in the near future [6] Industry Context - The Financial Transaction Services industry, to which PagSeguro Digital belongs, is currently ranked in the top 32% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8]

Core Insights - PagBank announced its first dividend payment of approximately R$250 million (USD 0.14 per common share) and plans to distribute dividends annually, corresponding to about 10% of its net income, subject to market conditions and board approval [1][9] Financial Performance - In 1Q25, PagBank reported net revenue of R$4.9 billion, a 13% year-over-year increase, and gross margin of R$1.9 billion, reflecting a 7% rise [2] - Recurring net income for the quarter was R$554 million, a 6% year-over-year increase, with earnings per share (EPS) reaching R$1.72, a 14% increase year-over-year [2][6] - The credit portfolio expanded to R$3.7 billion, marking a 34% increase compared to the same quarter last year and a 6% increase quarter-over-quarter [3] Customer Engagement and Market Position - PagBank has a customer base of over 32 million, with 17.7 million actively engaged in its ecosystem, emphasizing its strategy of providing a comprehensive financial services platform [4] - Total deposits reached R$33.9 billion, a 10.9% year-over-year rise, indicating effective fundraising in a high-interest-rate environment [7] Operational Efficiency - The company maintained a stable delinquency rate over 90 days at 2.3%, significantly lower than the market average of 4.4% [3] - The total payment volume processed reached R$129 billion, growing 16% year-over-year, with cash in reaching R$83 billion, up 26% year-over-year [7] Shareholder Value Initiatives - PagBank executed a second share buyback program totaling over R$353 million, reflecting management's confidence in its growth strategy [8] - The gross margin increased from 38% to 39% quarter-over-quarter, and return on equity (ROE) reached 15% on an annualized basis, a 140 basis points increase year-over-year [6]

Financial Data and Key Metrics Changes - The company reported a net revenue increase of 13% year over year, reaching BRL billion [6] - Non-GAAP net income was BRL 554 million, reflecting a 6% growth year over year [6] - Diluted EPS on a GAAP basis reached BRL 1.72, a 14% growth year over year [6][28] - Total deposits increased by 11%, reaching BRL 33.9 billion [16] - The total credit portfolio reached BRL 3.7 billion, a 34% year over year increase [18] Business Line Data and Key Metrics Changes - Payments TPV reached BRL 129 billion, growing 16% year over year [6][13] - The MSMB segment grew 11% year over year, while the large retail and online segment grew 30% year over year [14] - The banking revenue reached a record, growing 60% year over year, driven by higher interest income from the expanding credit portfolio [22] Market Data and Key Metrics Changes - The company has less than 1% market share in some banking businesses, indicating significant room for market penetration and future growth [10] - The cash in levels in PagBank accounts reached BRL 83 billion, with cashing per active client growing 23% year over year [15] Company Strategy and Development Direction - The company aims to become the primary financial partner for clients by integrating payments, banking, and credit services [9] - The focus is on winning MSMBs and scaling the platform, with a strategy to deepen engagement and boost monetization [9][10] - The company plans to balance growth and profitability while exploring initiatives to strengthen its capital structure [32] Management Comments on Operating Environment and Future Outlook - Management highlighted the resilience of the company in a challenging macroeconomic environment, maintaining positive results every quarter since the IPO [7][32] - The company is focused on mitigating macroeconomic uncertainty and executing its repricing strategy [32] - Management expressed confidence in achieving the guidance for the year, with expectations for continued growth in gross profit and earnings per share [31][87] Other Important Information - The company announced a cash dividend of $0.14 per common share, to be paid on June 6, marking the first dividend in its history [7][30] - The Basel Index improved by approximately five percentage points, reflecting an enhanced capital structure [30] Q&A Session Summary Question: What explains the deceleration in TPV growth from Q4 to Q1? - Management noted that the deceleration is partly due to tougher year-over-year comparisons and emphasized the company's diversified revenue sources beyond payments [36][38] Question: Why is the dividend distribution set at 10% of net income? - The company aims to balance dividends with share buybacks, indicating that the 10% is a guideline that may change based on future performance [43][44] Question: What drove the decrease in deposits this quarter? - Management explained that the decrease in checking accounts was influenced by higher opportunity costs in a rising rate environment, and emphasized efforts to manage funding costs effectively [48][51] Question: How durable is the repricing strategy? - Management indicated that repricing is necessary due to rising interest rates and that they are working to implement it without losing clients [58][86] Question: What is the outlook for the banking business's contribution to gross profit? - Management did not provide specific targets but indicated that the banking business is expected to continue growing and contributing significantly to overall profitability [114][116]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of May 2025 Commission File Number: 001-38353 PagSeguro Digital Ltd. (Name of Registrant) Conyers Trust Company (Cayman) Limited, Cricket Square, Hutchins Drive, P.O. Box 2681, Grand Cayman, KY1-1111, Cayman Islands (Address of Principal Executive Office) Indicate by check mark whether the registrant files ...

Company Performance - PagSeguro Digital Ltd. closed at $9.75, reflecting a -1.02% change from the previous day, underperforming the S&P 500 which gained 3.26% [1] - The company's shares increased by 17.4% over the past month, outperforming the Business Services sector's gain of 7.61% and the S&P 500's gain of 3.78% [1] Upcoming Earnings - The upcoming earnings disclosure is expected to show an EPS of $0.29, a decrease of 12.12% compared to the same quarter last year [2] - Revenue is forecasted to be $827.19 million, indicating a 4.91% decline year-over-year [2] Full-Year Estimates - Zacks Consensus Estimates predict full-year earnings of $1.24 per share and revenue of $3.6 billion, representing year-over-year changes of +2.48% and +3.01%, respectively [3] Analyst Forecasts - Recent revisions to analyst forecasts are crucial as they reflect changes in short-term business dynamics, with positive revisions indicating analysts' confidence in the company's performance [4] Valuation Metrics - PagSeguro Digital Ltd. has a Forward P/E ratio of 7.96, significantly lower than the industry average of 14.59, suggesting it is trading at a discount [7] - The company holds a PEG ratio of 0.71, compared to the Financial Transaction Services industry's average PEG ratio of 1.19 [8] Industry Ranking - The Financial Transaction Services industry, part of the Business Services sector, has a Zacks Industry Rank of 74, placing it in the top 30% of over 250 industries [9]

Core Viewpoint - PagSeguro Digital Ltd. is experiencing a notable stock performance with a recent increase of 22.49% over the last month, despite a projected decline in earnings and revenue for the upcoming earnings disclosure [1][2]. Group 1: Stock Performance - The stock closed at $9.57, reflecting a -0.73% change compared to the previous day, which is less than the S&P 500's daily loss of 0.64% [1]. - Over the last month, PagSeguro's shares have increased by 22.49%, outperforming the Business Services sector's gain of 0.05% and the S&P 500's gain of 0.38% [1]. Group 2: Earnings and Revenue Estimates - Analysts expect PagSeguro to report earnings of $0.29 per share, indicating a year-over-year decline of 12.12% [2]. - Revenue is projected to be $827.19 million, reflecting a 4.91% drop compared to the same quarter last year [2]. - For the full year, earnings are estimated at $1.24 per share and revenue at $3.6 billion, showing increases of +2.48% and +3.01% respectively from the previous year [3]. Group 3: Analyst Projections and Rankings - Recent shifts in analyst projections for PagSeguro are important as they reflect short-term business trends, with positive revisions indicating optimism about the company's outlook [4]. - The Zacks Rank system currently rates PagSeguro at 3 (Hold), with the Zacks Consensus EPS estimate having decreased by 2.71% in the past month [6]. Group 4: Valuation Metrics - PagSeguro has a Forward P/E ratio of 7.79, which is lower than the industry average of 14.41, indicating it is trading at a discount [7]. - The company has a PEG ratio of 0.69, compared to the Financial Transaction Services industry's average PEG ratio of 1.19 [8].

If you are looking for a stock that has a solid history of beating earnings estimates and is in a good position to maintain the trend in its next quarterly report, you should consider PagSeguro Digital Ltd. (PAGS) . This company, which is in the Zacks Financial Transaction Services industry, shows potential for another earnings beat.When looking at the last two reports, this company has recorded a strong streak of surpassing earnings estimates. The company has topped estimates by 11.95%, on average, in the ...

PagSeguro Digital Ltd. (PAGS) closed at $10.03 in the latest trading session, marking a +1.31% move from the prior day. This change outpaced the S&P 500's 0.58% gain on the day. Meanwhile, the Dow experienced a rise of 0.75%, and the technology-dominated Nasdaq saw an increase of 0.55%.Prior to today's trading, shares of the company had gained 29.75% over the past month. This has outpaced the Business Services sector's loss of 2.56% and the S&P 500's loss of 0.84% in that time.The upcoming earnings release ...

[FORM 6-K Filing Information](index=1&type=section&id=FORM%206-K%20Filing%20Information) This section outlines the administrative details of the Form 6-K filing, identifying PagSeguro Digital Ltd. as the registrant and confirming the electronic submission of the report to the U.S. Securities and Exchange Commission [Filing Details](index=1&type=section&id=Filing%20Details) This section outlines the administrative details of the Form 6-K filing, identifying PagSeguro Digital Ltd. as the registrant and confirming the electronic submission of the report to the U.S. Securities and Exchange Commission - Registrant: PagSeguro Digital Ltd[1](index=1&type=chunk) - Form Type: 6-K, filed pursuant to Rule 13a-16 or 15d-16 under the Securities Exchange Act of 1934[1](index=1&type=chunk) - Submission Method: Electronically submitted, not in paper format[3](index=3&type=chunk) [Annual Report on Form 20-F Filing Announcement](index=2&type=section&id=Annual%20Report%20on%20Form%2020-F%20Filing%20Announcement) PagSeguro Digital Ltd. announced the filing of its Annual Report on Form 20-F for the fiscal year ended December 31, 2024, with the U.S. SEC. The report is available on the SEC's website and PagSeguro's Investor Relations website, with shareholders able to request free copies - Filing Date: April 28, 2025[4](index=4&type=chunk) - Report Filed: Annual Report on Form 20-F for the fiscal year ended December 31, 2024[4](index=4&type=chunk) - Availability: The report is accessible on the SEC's website (www.sec.gov) and PagSeguro's Investor Relations website (https://investors.pagbank.com/) Shareholders can obtain free copies upon request[4](index=4&type=chunk)[5](index=5&type=chunk) [About PagBank PagSeguro](index=2&type=section&id=About%20PagBank%20PagSeguro) PagBank PagSeguro is a leading Brazilian financial technology provider aiming to democratize financial services through a comprehensive digital banking ecosystem [Company Overview and Mission](index=2&type=section&id=Company%20Overview%20and%20Mission) PagSeguro, an UOL Group Company, is a disruptive financial technology provider in Brazil, targeting consumers, individual entrepreneurs, micro-merchants, and small to medium-sized companies. Its mission is to democratize financial services in Brazil by offering a safe, affordable, simple, and mobile-first end-to-end digital banking ecosystem in a concentrated and underpenetrated market - Target Market: Primarily consumers, individual entrepreneurs, micro-merchants, small companies, and medium-sized companies in Brazil[6](index=6&type=chunk) - Mission: To disrupt and democratize financial services in Brazil, a market characterized by concentration, underpenetration, and high-interest rates, through an end-to-end digital banking ecosystem[7](index=7&type=chunk) - Unique Business Model: PagSeguro is highlighted as the only financial technology provider in Brazil whose business model encompasses five specific pillars[6](index=6&type=chunk) [Business Model and Services](index=2&type=section&id=Business%20Model%20and%20Services) PagSeguro's business model is built on five core pillars, providing a comprehensive suite of financial technology solutions. These include diverse digital banking services, in-person payment acceptance via POS devices, free digital accounts with extensive functionalities, card issuance, and full acquirer operations - PagSeguro's business model covers the following five pillars[6](index=6&type=chunk)[8](index=8&type=chunk) - Multiple digital banking solutions[8](index=8&type=chunk) - In-person payments via point of sale (POS) devices provided to merchants[8](index=8&type=chunk) - Free digital accounts for consumers and merchants with functionalities such as bill payments, mobile top-ups, wire transfers, peer-to-peer cash transfers, prepaid credit cards, cash cards, loans, investments, QR code payments, and payroll portability[8](index=8&type=chunk) - Issuer of prepaid, cash, and credit cards[8](index=8&type=chunk) - Operate as a full acquirer[8](index=8&type=chunk) [Additional Information](index=2&type=section&id=Additional%20Information) This section provides contact details for investor relations and media, along with official signatory information for the report [Contacts](index=2&type=section&id=Contacts) This section provides the contact information for PagSeguro Digital Ltd.'s Investor Relations and Media Press departments for any inquiries - Investor Relations Contact[8](index=8&type=chunk) - Phone: +55 (11) 3914-9524[8](index=8&type=chunk) - Email: ir@pagseguro.com[8](index=8&type=chunk) - Website: investors.pagseguro.com[8](index=8&type=chunk) - Media Press Contact[8](index=8&type=chunk) - Phone: +55 (11) 992-350-009[8](index=8&type=chunk) - Email: pagbankpagseguro@xcom.net.br[8](index=8&type=chunk) [Signatures](index=3&type=section&id=Signatures) The report is officially signed on behalf of PagSeguro Digital Ltd. by Artur Schunck, who holds the titles of Chief Financial Officer, Chief Accounting Officer, and Investor Relations Officer, confirming its due authorization and submission on April 28, 2025 - Signatory: Artur Schunck[10](index=10&type=chunk) - Title: Chief Financial Officer, Chief Accounting Officer and Investor Relations Officer[10](index=10&type=chunk) - Date: April 28, 2025[10](index=10&type=chunk)