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PIPICS

PicS N.V.

$PICS·$1.4B·Software - Infrastructure·Technology
$11.18+4.1%1Y-43.5%
Mentions · last 7 days
2026-08-26: 1 posts2026-08-27: 1 posts2026-08-28: 0 posts2026-08-29: 0 posts2026-08-30: 0 posts2026-08-31: 3 posts2026-09-01: 3 posts11
Price updated 1h ago·X counts updated 4h ago
PIPICS
$PICSPicS N.V.
$11.18+4.10%11 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $PICS, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-29

The move is getting stronger, with heavier trading behind it.

Brazilian PicPay fintech at 5.4x PE + 21.4% FCF yield + Q1 revenue +143% + FY27 EPS +108% growth; class-action is the overhang.

PicS N.V. (formerly PicPay Holdings Netherlands B.V., São Paulo-based digital financial services) is a $1.41B Brazilian fintech at $10.05.

  • Q2 EPS $0.44 vs $0.40 (+11.1% beat), Q4 2025 $7.69 (massive one-time item), Q1 2026 $1.17 (extreme volatility).
  • Q1 revenue $3.51B (+143% YoY!), Q4 2025 $1.90B (+13.4%) — massive Q1 revenue explosion.
  • Cash economics: PE 5.4 (extreme value), PS 0.70, ROIC 41.9% (exceptional), ROE 31.2%, gross margin 65%, op-margin 17%, D/E 0.13 (low), EV/EBITDA 0.65 (extreme value), FCF yield 21.4% (very attractive).
  • Analyst path FY26 EPS $1.58 → FY27 $3.29 (+108% growth) — massive continued growth.
  • Recent: PicPay Transforms How Customers Access Their Financial Information Through Integration with ChatGPT.
  • Multiple securities-class-action law-firm alerts (Pomerantz) — litigation overhang.
  • Sentiment feed is empty.

Read as a Brazilian PicPay fintech with 5.4x PE + 21.4% FCF yield + Q1 revenue +143% + FY27 EPS +108% growth + ChatGPT integration but material class-action overhang; the debated question is whether Q3 confirms the growth trajectory or whether class-action litigation cascades further.

What to watch: Q3 revenue growth continuation, ChatGPT integration commercial impact, and class-action progression on the Nov 23 print.

On the calendar: 2026-11-23 Q3 earnings

Read the AI verdict + X sentiment for $PICS

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
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  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

PicS N.V. is a holding company formerly associated with the PicPay digital payments ecosystem in Brazil.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Infrastructure sits in its cycle right now — and what that implies for $PICS.

Software - Infrastructure · Technology

SaaS multiples remain compressed as rate-sensitive valuations weigh on pure-play software; customers are lengthening deal cycles outside of AI-native workloads. AI co-pilot upsell is the only clear near-term catalyst — companies without it are treading water.

What this means for $PICS

Direct beneficiary — AI-native product or platform captures spend from the same capex cycle driving the industry; PicS N.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-4.2%YTD
-1.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
5.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
41.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
17.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
21.4%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.7Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
31.2%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
65.3%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 24, 2026$0.44$0.40+11.1%
Q1 2026Jun 2, 2026$0.27$1.13-76.1%
Q4 2025Mar 18, 2026$0.17$0.24-29.2%
Q4 2025Jan 5, 2026$0.15——
Next earningsMon, Nov 23·consensus EPS $0.45

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$3.5B+142.8%85.8%43.0%$1.17$-423.7M
Q4 FY25$1.9B+13.4%100%0.0%$7.69$-2.6B
Q3 FY25$2.6B+100.7%37.4%6.4%$0.72$1.1B
Q2 FY25$2.3B+99.0%37.5%4.6%$0.80$3.5B

Forward consensus

5-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.9B$2.8B – $3.0B$1.58$1.16 – $2.002
FY27$4.0B$3.9B – $4.1B$3.29$2.71 – $3.862
FY28$4.5B$4.5B – $4.7B$4.33$4.16 – $4.491
FY29$6.4B$6.3B – $6.6B$9.69$9.44 – $10.071
FY30$7.7B$7.6B – $8.0B$14.14$13.78 – $14.691

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.4×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.—Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-5.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.—Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 22.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today3.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β2.125-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyJun 11Augusto Cazotto AndreIR, Strategy and M&A Officer49.5K sh$466KBuyJun 10Batista Costa Jose AntonioDirector18.5K sh$175KBuyJun 9Batista Costa Jose AntonioDirector20.8K sh$202KBuyJun 8Batista Costa Jose AntonioDirector21.1K sh$199KBuyJun 5Batista Costa Jose AntonioDirector21.8K sh$200KBuyJun 5Pruett William RodneyDirector25.0K sh$228KBuyJun 4Batista Costa Jose AntonioDirector22.0K sh$200KBuyMar 31Augusto Cazotto AndreIR, Strategy and M&A Officer1.7K sh$18KBuyMar 26Chedid Simoes EduardoCEO87.5K sh$1.0MBuyMar 25Augusto Cazotto AndreIR, Strategy and M&A Officer6.5K sh$75K
1–10 of 11

See when $PICS insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsMar 193
3New insider — initial holdingsMar 193
3New insider — initial holdingsMar 193
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
+ 15 other (8 6-Ks · 4 13Gs · 1 6-K/A · 1 20-F) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

PicPay Holdings (PICS) Q2 2026 Earnings Call Transcriptseekingalpha.com·9d agoPicPay Announces Second Quarter 2026 Resultsglobenewswire.com·9d agoPicPay to Announce Second Quarter 2026 Results on August 24, 2026globenewswire.com·16d agoPicPay Transforms How Customers Access Their Financial Information Through Integration with ChatGPTglobenewswire.com·16d agoINVESTOR ALERT: Pomerantz Law Firm Reminds Investors with Losses on their Investment in PicS N.V. of Class Action Lawsuit and Upcoming Deadlines – PICSglobenewswire.com·29d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · last 7 days

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