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PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in São Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil's Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.
Latest quote
$12.09
−$0.37 · -2.97%
After-hours
$11.95
−$0.14 · -1.16%
Oct 7, 7:48 PM ET
Regular session · ET · Market data may be delayed.
PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in São Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil's Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.
Day range
Current $12.09
52-week range
Current $12.09
Regular session · ET · Market data may be delayed.
GoAI Score
Hold
Valuation
81
Deep Value
Sentiment
62
Bullish
Risk
77
High Risk
Momentum
44
Neutral
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in São Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil's Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.
Day range
Current $12.09
52-week range
Current $12.09
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (BRL) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 10.28B BRL | 5.19B BRL | 3.07B BRL | 3.02B BRL | 1.22B BRL |
| Cost of goods sold | 4.98B BRL | 2.3B BRL | 1.22B BRL | 1.26B BRL | 445.39M BRL |
| Gross profit | 5.22B BRL | 2.89B BRL | 1.85B BRL | 1.76B BRL | 778.36M BRL |
| Selling, general, and administrative | 2.25B BRL | 1.64B BRL | 1.31B BRL | 1.56B BRL | 1.75B BRL |
| Operating expenses | 4.12B BRL | 2.54B BRL | 1.85B BRL | 2.46B BRL | 2.68B BRL |
| Interest expense | 3.46B BRL | 1.41B BRL | 1.2B BRL | 1.26B BRL | 445.39M BRL |
| Depreciation and amortization | 442.76M BRL | 292.91M BRL | 169.45M BRL | 74.38M BRL | 49.45M BRL |
| Operating income | 4.04B BRL | 345.97M BRL | 1.67M BRL | −698.89M BRL | −1.9B BRL |
| Net income | 1.09B BRL | 217.57M BRL | 34.52M BRL | −45.69M BRL | −1.56B BRL |
Company facts updated Oct 8, 2026.
Recent quarterly results
Recent quarterly results
Third-party consensus; not a GoAI recommendation.
Average target
$16.75
38.54% upsideFunds reporting this stock among their holdings, ordered by reported position size.
AI-generated and delayed market data for informational and educational purposes only. Not investment advice.
