5 Undervalued Financial Services Stocks for Wednesday, July 22
Discover the top 5 undervalued Financial Services stocks for Wednesday, July 22 based on AAII’s Stock Grades.Jenna Brashear
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COMPANY SUMMARY
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 various investor profiles and financial goals. Further, the company offers a portfolio of products in QR code payments for small and medium-sized businesses; banking services; corporate benefits and salary advances; PicPay Shop that offers consumers to purchase a range of products and services; and PicPay Ads, an advertising platform designed to enable brands to reach engaged consumer base through contextualized placements within the app. PicS N.V. was formerly known as Picpay Holdings Netherlands B.V. The company was founded in 2012 and is based in São Paulo, Brazil. PicS N.V. is a subsidiary of Jf International B.v.
Commentary & Analysis
Why PicS N.V.’s (PICS) Stock Is Up 6.24%
As of Tuesday, July 21, PicS N.V.’s PICS share price has surged by 6.24%, which has investors questioning if this is right time to sell.Jenna Brashear
Why PicS N.V.’s (PICS) Stock Is Up 8.37%
As of Wednesday, July 01, PicS N.V.’s PICS share price has surged by 8.37%, which has investors questioning if this is right time to sell.Michael Rose
Why PicS N.V.’s (PICS) Stock Is Down 9.10%
As of Monday, June 22, PicS N.V.’s PICS share price has dipped by 9.10%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why PicS N.V.’s (PICS) Stock Is Down 5.60%
As of Thursday, June 18, PicS N.V.’s PICS share price has dipped by 5.60%, which has investors questioning if this is right time to buy.Michael Rose
Financial Summary
| Share Statistics | PICS | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,713.1 | $2,409.3 | 52% |
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| Shares Out (Mil) | 24.8 | 72.0 | 34% |
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| Institutional Ownership | 76.2% | 86.6% | 46% |
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| Float (Mil) | 34.3 | 61.7 | 39% |
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| Beta | na | 0.93 | na |
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| Avg Daily Volume (000s) | 233 | 441 | 47% |
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| Price Change (52-week) |
na | 76.1% | na |
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| Growth | PICS | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 90.2% | 10.9% | 98% |
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| Net Income (5yr) | 26.8% | 8.2% | 82% |
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| EPS (5yr) | 14.9% | 11.4% | 55 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | (15.7%) | (15.0%) | 47% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 7 | 7 | |
| Current EPS | $0.386 | $1.479 | $3.148 | |
| Month Ago EPS | $0.376 | $1.497 | $3.163 | |
| # Rev Up | 2 | 2 | 0 | |
| # Rev Down | 0 | 1 | 2 | |
| Three Months Ago EPS | $0.320 | $1.403 | $3.234 | |
| Year/Year Chg | 72.3% | (20.4%) | 111.3% | |
| Financials | PICS | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $2,248 | $1,233 | 62% |
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| Net Income (TTM) (Mil) | $224 | $73 | 69% |
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| EPS (TTM) | $1.728 | $0.700 | 69% |
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| Operating Cash Flow (TTM) (Mil) | ($257) | $165 | 3% |
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| Net Cash Flow (TTM) (Mil) | na | $22 | na |
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| Long-Term Debt (Q1) (Mil) | $296 | $696 | 54% |
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| Enterprise Value (Q1) (Mil) | $604 | $3,560 | 36% |
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| Valuation | PICS | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.47 | 1.44 | 39% |
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| P/E | 7.7 | 15.1 | 9% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | 0.5 | 1.0 | 25% |
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| Ratios | PICS | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 94.1% | 60.7% | 95% |
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| Net Margin | 10.0% | 7.0% | 63% |
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| ROA | 3.3% | 1.1% | 63% |
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| ROE | 31.5% | 11.5% | 88% |
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| Liabilities to Assets | 87.0% | 75.2% | 81% |
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| F-Score | 4 | 5 | na |
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PicS N.V. did not pass any screens on 7/31/2026.
