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PicS N.V. Class A Common Shares (PICS)
Price$13.66
Favorite Metrics
Price vs S&P 500 (4W)14.85%
Market Capitalization$372.09M
P/E Ratio (Annual)42.40x
All Metrics
P/CF (Annual)4.03x
Price vs S&P 500 (YTD)-27.06%
10-Day Avg Trading Volume0.43M
EPS (Annual)$0.34
ROI (Annual)1.00%
Gross Margin (Annual)71.47%
Cash / Share (Quarterly)$6.20
P/E Normalized (Annual)42.40x
ROA (Last FY)0.80%
Cash Flow / Share (Annual)$2.65
P/B Ratio3.41x
Net Income / Employee (Annual)$0
EPS Incl Extra (Annual)$0.34
Current Ratio (Annual)0.31x
Quick Ratio (Quarterly)0.27x
3-Month Avg Trading Volume0.96M
P/S Ratio (Annual)5.33x
Asset Turnover (Annual)0.06x
52-Week High$19.95
EPS Excl Extra (Annual)$0.34
Quick Ratio (Annual)0.30x
Total Debt / Equity (Annual)12.59x
Current Ratio (Quarterly)0.28x
Revenue / Employee (Annual)$0
Pretax Margin (Annual)19.99%
Cash / Share (Annual)$4.12
ROE (Last FY)13.53%
EPS Basic Excl Extra (Annual)$0.34
Total Debt / Equity (Quarterly)10.26x
Revenue / Share (Annual)$2.68
Forward P/E10.14x
Year-to-Date Return-24.74%
5-Day Price Return12.24%
EPS Normalized (Annual)$0.34
Net Profit Margin (Annual)12.57%
Month-to-Date Return36.84%
EBITD / Share (Annual)$-1.68
Operating Margin (Annual)-79.59%
Beta4.42x
P/FCF (Annual)5.40x
52-Week Low$9.88
Analyst Recommendations
Mar 2026
Apr 2026
4.27
4.33
Industry Peers — Personal Credit Institutions(16)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
PICSPicS N.V. Class A Common Shares | 42.40x | — | — | — | $13.66 |
AFRMAffirm Holdings, Inc. Class A Common Stock | 428.06x | 8.83% | 6.21% | 44.63% | $67.06 |
OMFOneMain Holdings, Inc. | 8.97x | 23.40% | 16.04% | 4.82% | $59.92 |
CACCCredit Acceptance Corp | 13.36x | 26.63% | 44.38% | 6.78% | $542.71 |
NNINelnet, Inc. Class A | 11.67x | 11.96% | 26.54% | 7.13% | $138.72 |
SLMSLM Corporation | 6.13x | 31.14% | 26.74% | 7.17% | $23.11 |
SLMBPSLM Corporation Floating-Rate Non-Cumulative Series B | 6.13x | 31.14% | 26.74% | 7.17% | $74.60 |
ENVAEnova International, Inc. | 13.31x | 24.45% | 40.35% | 21.75% | $165.23 |
BFHBread Financial Holdings, Inc. | 7.59x | 16.12% | 13.65% | 3.44% | $91.75 |
LCLendingClub Corporation | 14.91x | 9.47% | 11.38% | 2.92% | $17.92 |
ATLCAtlanticus Holdings Corporation | 8.95x | 19.92% | 18.46% | 13.90% | $72.98 |
About
PicS NV is a digital payments platform offering peer-to-peer transfers, mobile wallets, and instant payment services (Pix) to consumers and small businesses. The company's ecosystem includes credit cards, loans, investments, and insurance products. Consumer Banking is the primary revenue driver, generating income from wallet transactions, P2P transfers, and bill payments across its four operating segments.