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PAGS vs STNE
Which Stock Would AI Choose? PagSeguro Digital (PAGS) vs. StoneCo (STNE) Stock Comparison
Key Takeaways
- PagSeguro Digital (PAGS) and StoneCo (STNE) are both Brazilian fintech leaders competing across payments, digital banking, and merchant credit, but their recent market positioning has diverged.
- Tickeron AI Verdict: STNE is currently the favored ticker of the two, based on relatively stronger trend consistency and a firmer capital-return catalyst story.
- PAGS has experienced a sharper, higher-volatility pullback in recent weeks, while STNE retains a broader analyst consensus weighted toward "Buy."
- Both names trade at compressed price-to-earnings (P/E) multiples and carry meaningful Brazil macro and credit-quality risk that investors should weigh carefully.
- For deeper context, explore PAGS Major News, PAGS Today's Price Move, STNE Major News, and STNE Today's Price Move.
- To see how automated systems are positioned across the market, explore Trending AI Robots.
Introduction
PagSeguro Digital (PAGS) and StoneCo (STNE) are two of the most closely watched Brazilian fintech stocks on U.S. exchanges. Both companies monetize the same underlying secular trend — the digitization of payments and financial services for Brazilian merchants and consumers — yet they differ meaningfully in business mix, growth drivers, and recent price behavior. This stock comparison is most relevant to investors and traders evaluating Latin American fintech exposure who want to assess relative performance, market positioning, and risk without relying on a single valuation metric. By examining recent developments, sentiment shifts, and observable trend data, readers can better understand which of these two names currently presents the more compelling risk-reward profile.
PAGS Overview and Recent Performance
PagSeguro Digital (PAGS) provides digital payment solutions, point-of-sale (POS) devices, free digital accounts, and prepaid cards to individual entrepreneurs, micro-merchants, and small and medium-sized businesses in Brazil. The company also operates as a card acquirer and has expanded into digital banking and credit. In recent market activity, PAGS has traded near the lower end of its 52-week range and has shown elevated volatility, including a sharp single-session decline on unusually heavy volume in late October. This price behavior reflects investor sensitivity to Brazil's interest-rate environment, tax policy, and credit-quality concerns. Analysts have trimmed price targets, and the consensus rating has trended toward "Hold." The stock's depressed valuation — a single-digit trailing P/E ratio and a notably high dividend yield driven in part by the falling share price — highlights both the value-oriented appeal and the perceived downside risk embedded in the name.
STNE Overview and Recent Performance
StoneCo (STNE) offers financial technology and software solutions to Brazilian merchants across in-store, online, and mobile channels, spanning payments, banking, and credit. In its most recent reported quarter, revenue grew by roughly 6% year over year, supported by credit expansion, while total payment volume (TPV) rose at a more modest pace amid elevated merchant churn and a softer environment for smaller businesses. Management has flagged rising non-performing loans (NPLs) and higher credit-loss provisions as key near-term headwinds, alongside a focus on simplifying product bundles and improving retention. A notable catalyst has been capital returns: proceeds from the Linx divestiture funded an extraordinary dividend and ongoing share buybacks. Despite softer momentum, STNE retains a consensus analyst rating weighted toward "Buy," with an average price target implying substantial upside from recent levels.
Trending AI Robots
Tickeron operates hundreds of AI trading bots that collectively trade thousands of different tickers, each built around distinct strategies, timeframes, and risk parameters. Because market conditions change constantly, not every bot deserves attention at any given moment. The Trending AI Robots page curates only the bots best suited to current conditions, showcasing a range of performance statistics, trading styles, and underlying ticker sets so users can compare approaches side by side. This selection process helps surface systems demonstrating relevant momentum rather than listing every available strategy. Traders and investors interested in data-driven positioning can review these curated bots to observe how automated models are responding to the present environment. Explore Trending AI Robots to learn more.
Head-to-Head Comparison
Although both companies compete in Brazilian fintech, their profiles differ in important ways. PAGS leans more heavily on a broad merchant-acquiring and digital-banking model aimed at micro and small businesses, while STNE positions itself as a full-service financial and software partner for merchants, with a faster-growing credit portfolio. Growth drivers also diverge: PAGS is more exposed to consumer-oriented digital banking, whereas STNE is emphasizing credit yield and client monetization. On recent momentum, PAGS has displayed sharper downside volatility, while STNE has shown a more orderly, if still negative, drift. Risk factors converge on Brazil macro conditions, interest rates, and credit quality, though STNE's rising NPL ratio adds a credit-specific concern. In terms of market sentiment, STNE currently enjoys stronger sell-side conviction, while PAGS trades at an even deeper valuation discount.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely favor STNE over PAGS at present. The relative case rests on STNE's more consistent trend structure, a firmer capital-return and buyback catalyst, and a broader analyst consensus skewed toward "Buy" with a higher implied upside. By contrast, PAGS has exhibited more pronounced single-session volatility and a heavier tilt toward "Hold" among analysts. That said, this assessment is probabilistic rather than definitive: both stocks remain exposed to Brazilian interest-rate dynamics and credit-quality risk, and either could re-rate quickly on new data. The AI's preference for STNE reflects relative stability and positioning, not a guarantee of future performance.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is PAGS is a Buy and STNE is a Buy.
PAGS sees its 50-day moving average cross bullishly above its 200-day moving average
The 50-day moving average for PAGS moved above the 200-day moving average on October 21, 2026. This could be a long-term bullish signal for the stock as the stock shifts to an upward trend.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator shows that the ticker has stayed in the oversold zone for 6 days. The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an Uptrend is expected.
The Stochastic Oscillator shows that the ticker has stayed in the oversold zone for 4 days. The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an upward trend is expected.
Following a +6.54% 3-day Advance, the price is estimated to grow further. Considering data from situations where PAGS advanced for three days, in 215 of 280 cases, the price rose further within the following month. The odds of a continued upward trend are 77%.
PAGS may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 26, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on PAGS as a result. In 63 of 84 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 75%.
The Moving Average Convergence Divergence Histogram (MACD) for PAGS turned negative on October 26, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 45 similar instances when the indicator turned negative. In 37 of the 45 cases the stock turned lower in the days that followed. This puts the odds of success at 82%.
PAGS moved below its 50-day moving average on October 26, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for PAGS crossed bearishly below the 50-day moving average on November 02, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 14 of 19 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 74%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where PAGS declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 76%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 58 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 73 (best 1 - 100 worst), indicating slightly worse than average price growth. PAGS’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 91 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.140) is normal, around the industry mean (16.526). P/E Ratio (1.008) is within average values for comparable stocks, (57.809). Projected Growth (PEG Ratio) (13.430) is also within normal values, averaging (3.648). Dividend Yield (0.146) settles around the average of (0.287) among similar stocks. P/S Ratio (0.679) is also within normal values, averaging (103.889).
The Tickeron PE Growth Rating for this company is 96 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. PAGS’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 91, placing this stock worse than average.
STNE's RSI Indicator remains in oversold zone for 6 days
The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an uptrend is expected.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator shows that the ticker has stayed in the oversold zone for 7 days. The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an upward trend is expected.
Following a +7.00% 3-day Advance, the price is estimated to grow further. Considering data from situations where STNE advanced for three days, in 217 of 287 cases, the price rose further within the following month. The odds of a continued upward trend are 76%.
STNE may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 22, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on STNE as a result. In 75 of 94 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 80%.
The Moving Average Convergence Divergence Histogram (MACD) for STNE turned negative on October 22, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 50 similar instances when the indicator turned negative. In 42 of the 50 cases the stock turned lower in the days that followed. This puts the odds of success at 84%.
STNE moved below its 50-day moving average on October 26, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for STNE crossed bearishly below the 50-day moving average on October 30, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 14 of 16 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 88%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where STNE declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 80%.
The Aroon Indicator for STNE entered a downward trend on October 02, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Valuation Rating of 3 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.197) is normal, around the industry mean (16.526). P/E Ratio (0.571) is within average values for comparable stocks, (57.809). Projected Growth (PEG Ratio) (3.620) is also within normal values, averaging (3.648). Dividend Yield (1.316) settles around the average of (0.287) among similar stocks. P/S Ratio (0.948) is also within normal values, averaging (103.889).
The Tickeron SMR rating for this company is 31 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 81 (best 1 - 100 worst), indicating slightly worse than average price growth. STNE’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. STNE’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 91, placing this stock worse than average.
PAGS | STNE | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 64 | 65 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 91 Overvalued | 3 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 58 | 31 | |
PRICE GROWTH RATING 1..100 | 73 | 81 | |
P/E GROWTH RATING 1..100 | 96 | 97 | |
SEASONALITY SCORE 1..100 | 85 | 23 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
STNE's Valuation (3) in the Packaged Software industry is significantly better than the same rating for PAGS (91) in the Miscellaneous Commercial Services industry. This means that STNE’s stock grew significantly faster than PAGS’s over the last 12 months.
STNE's Profit vs Risk Rating (100) in the Packaged Software industry is in the same range as PAGS (100) in the Miscellaneous Commercial Services industry. This means that STNE’s stock grew similarly to PAGS’s over the last 12 months.
STNE's SMR Rating (31) in the Packaged Software industry is in the same range as PAGS (58) in the Miscellaneous Commercial Services industry. This means that STNE’s stock grew similarly to PAGS’s over the last 12 months.
PAGS's Price Growth Rating (73) in the Miscellaneous Commercial Services industry is in the same range as STNE (81) in the Packaged Software industry. This means that PAGS’s stock grew similarly to STNE’s over the last 12 months.
PAGS's P/E Growth Rating (96) in the Miscellaneous Commercial Services industry is in the same range as STNE (97) in the Packaged Software industry. This means that PAGS’s stock grew similarly to STNE’s over the last 12 months.
| PAGS | STNE | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 79% | 2 days ago 83% |
| Stochastic ODDS (%) | 2 days ago 77% | 2 days ago 81% |
| Momentum ODDS (%) | 2 days ago 75% | 2 days ago 80% |
| MACD ODDS (%) | 2 days ago 82% | 2 days ago 84% |
| TrendWeek ODDS (%) | 2 days ago 76% | 2 days ago 79% |
| TrendMonth ODDS (%) | 2 days ago 73% | 2 days ago 80% |
| Advances ODDS (%) | 16 days ago 77% | 16 days ago 76% |
| Declines ODDS (%) | 2 days ago 76% | 2 days ago 80% |
| BollingerBands ODDS (%) | 2 days ago 80% | 2 days ago 79% |
| Aroon ODDS (%) | N/A | 2 days ago 71% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
PAGS’s FA Score shows that 0 FA rating(s) are green while STNE’s FA Score has 2 green FA rating(s).
- PAGS’s FA Score: 0 green, 5 red.
- STNE’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
PAGS’s TA Score shows that 5 TA indicator(s) are bullish while STNE’s TA Score has 4 bullish TA indicator(s).
- PAGS’s TA Score: 5 bullish, 5 bearish.
- STNE’s TA Score: 4 bullish, 6 bearish.
Price Growth
PAGS (@Computer Communications) experienced а -8.93% price change this week, while STNE (@Computer Communications) price change was -9.38% for the same time period.
The average weekly price growth across all stocks in the @Computer Communications industry was -6.97%. For the same industry, the average monthly price growth was -12.00%, and the average quarterly price growth was -6.00%.
Reported Earning Dates
PAGS is expected to report earnings on Nov 16, 2026.
STNE is expected to report earnings on Nov 12, 2026.
Industries' Descriptions
@Computer Communications (-6.97% weekly)Computer communications industry develops technology that allows computing devices to exchange data with each other using connections/data links between nodes. Common types of computer network include Cloud (IAN), Internet, Wide (WAN, Local (LAN)/Wireless(WLAN) etc. The industry is an ever-more important part of technology, and is set to become even bigger as the Internet of Things (IoT) rapidly forays into the various aspects of our lives. Cisco Systems, Inc., Palo Alto Networks, Inc. and Arista Networks, Inc., Fortinet, Inc. are some of the major computer communications companies.
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PAGS and
Correlation & Price change
A.I.dvisor indicates that over the last year, PAGS has been closely correlated with STNE. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if PAGS jumps, then STNE could also see price increases.
| Ticker / NAME | Correlation To PAGS | 1D Price Change % | ||
|---|---|---|---|---|
| PAGS | 100% | -3.04% | ||
| STNE - PAGS | 73% Closely correlated | -3.27% | ||
| COIN - PAGS | 53% Loosely correlated | +5.53% | ||
| CLSK - PAGS | 46% Loosely correlated | +13.99% | ||
| DLO - PAGS | 46% Loosely correlated | -0.45% | ||
| COMP - PAGS | 41% Loosely correlated | -1.06% | ||
More | ||||
STNE and
Correlation & Price change
A.I.dvisor indicates that over the last year, STNE has been closely correlated with PAGS. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if STNE jumps, then PAGS could also see price increases.
| Ticker / NAME | Correlation To STNE | 1D Price Change % | ||
|---|---|---|---|---|
| STNE | 100% | -3.27% | ||
| PAGS - STNE | 73% Closely correlated | -3.04% | ||
| COIN - STNE | 51% Loosely correlated | +5.53% | ||
| CLSK - STNE | 48% Loosely correlated | +13.99% | ||
| RIOT - STNE | 47% Loosely correlated | +18.41% | ||
| DLO - STNE | 43% Loosely correlated | -0.45% | ||
More | ||||