PicS N.V (PICS) Fair Value & Analysis
Technology · US · Market cap $1.4B
PicS N.V
PICS · US
Fair value as of: Jun 29, 2026
From 15 valuation models · updated today
Fair value updated Jun 29, 2026 — revised from $32.71 to $28.11 (−14.1%) since Jun 24, 2026. Share price +0.5% over the past month.
Price vs Fair Value (5 months)
5‑month range $8.95 – $18.84 · fair‑value band $25.00 – $34.71 · the $10.55 price screens below the $28.11 fair value. As of Jun 29, 2026.
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PicS N.V (PICS) currently trades at $10.55, while our model-based Fair Value estimate is $28.11 — implying the stock looks roughly 166.4% undervalued today. We read business quality at 95/100 (high quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, PicS N.V generated revenue of $11.7B at a net margin of 10.0%. Revenue grew 70.2% year over year. It earns a return on equity of 30.7%. The balance sheet holds a net cash position of $2.0B. Fundamentals as of Jun 29, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 29, 2026. TTM = trailing twelve months.
About the company
PicS N.V. operates as a digital financial services company that provides digital wallet and application for individuals and businesses in Brazil. The company offers a range of transactional products for its consumers, including Pix, an instant payment system, peer-to-peer between PicPay accounts, bill payments, payroll portability, global account, and a payment assistant that helps consumers organize, centralize, and settle bills through an integrated hub. The company also provides multipurpose cards; personal loans; instalment payments; payroll loans for public servants, retirees, and pensioners; private payroll loans for formally employed workers; and access to the FGTS annual birthday withdrawal program. In addition, it offers digital insurance distribution platform with products, such as digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, home insurance, and others, as well as provides a range of products to variou…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PicS N.V reported revenue of R$6.3B in FY2025 versus R$1.2B in FY2021, a compound +50.5%/yr. Reported net income was R$1.1B in FY2025.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.