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PicS N.V. Class A Common Shares (PICS)
Price$9.18
Momentum ScoreF
Favorite Metrics
Price vs S&P 500 (4W)-25.05%
VGM Score15.25
Market Capitalization$234.70M
P/E Ratio (Annual)28.26x
All Metrics
P/CF (Annual)2.68x
Indicated Dividend (Annual)$0.00
Price vs S&P 500 (YTD)-57.95%
10-Day Avg Trading Volume0.58M
EPS (Annual)$0.33
ROI (Annual)1.00%
Gross Margin (Annual)71.47%
Cash / Share (Quarterly)$6.10
P/E Normalized (Annual)28.26x
ROA (Last FY)0.80%
Cash Flow / Share (Annual)$2.60
P/B Ratio2.27x
Net Income / Employee (Annual)$9,253
EPS Incl Extra (Annual)$0.33
Current Ratio (Annual)0.31x
Quick Ratio (Quarterly)0.27x
3-Month Avg Trading Volume0.75M
P/S Ratio (Annual)3.55x
Asset Turnover (Annual)0.06x
52-Week High$19.95
EPS Excl Extra (Annual)$0.33
Quick Ratio (Annual)0.30x
13-Week Price Return-39.84%
Total Debt / Equity (Annual)12.59x
Current Ratio (Quarterly)0.28x
Revenue / Employee (Annual)$73,510
Pretax Margin (Annual)19.99%
Cash / Share (Annual)$4.05
3-Month Return Std Dev85.80%
ROE (Last FY)13.53%
EPS Basic Excl Extra (Annual)$0.33
Total Debt / Equity (Quarterly)10.26x
Revenue / Share (Annual)$2.63
Forward P/E6.30x
Year-to-Date Return-51.68%
5-Day Price Return-17.07%
EPS Normalized (Annual)$0.33
Net Profit Margin (Annual)12.57%
Month-to-Date Return-13.31%
EBITD / Share (Annual)$-1.65
Operating Margin (Annual)-79.59%
Price vs S&P 500 (13W)-48.10%
Beta4.30x
P/FCF (Annual)3.60x
52-Week Low$8.32
mGradeF
vgmGradeF
Show chart for
Earnings Surprise History
Q1 260.27est. 0.23
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
4.27
4.33
4.33
Industry Peers — Personal Credit Institutions(14)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
PICSPicS N.V. Class A Common Shares | — | — | F | $9.18 |
| AFRMAffirm Holdings, Inc. Class A Common Stock | D | B | B | $63.61 |
| OMFOneMain Holdings, Inc. | B | D | B | $55.36 |
| CACCCredit Acceptance Corp | C | C | B | $544.71 |
| NNINelnet, Inc. Class A | C | C | B | $129.03 |
| SLMSLM Corporation | C | C | B | $22.39 |
| ENVAEnova International, Inc. | C | C | A | $168.82 |
| BFHBread Financial Holdings, Inc. | B | C | A | $91.11 |
| LCLendingClub Corporation | C | C | B | $17.15 |
| ATLCAtlanticus Holdings Corporation | C | C | A | $84.10 |
| ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | C | C | A | $25.18 |
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.