PicS N.V. Class A Common Shares (PICS) Stock Price

PICSStock

$10.85

Market Cap$1.41B

P/E7.03x

PEG Ratio—

Div yield—

Beta3.20

PICS Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-35.39%

Price vs S&P 500 (4W)-15.15%

VGM Score59.16

P/E Ratio (Annual)7.03x

P/CF (Annual)3.10x

Book Value / Share (Quarterly)$9.08

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)31.10%

Cash Flow / Share (Quarterly)$-3.01

Price vs S&P 500 (YTD)-52.64%

Gross Margin (TTM)66.11%

Net Profit Margin (TTM)57.19%

EPS (TTM)$1.75

10-Day Avg Trading Volume0.72M

EPS Excl Extra (TTM)$1.75

EPS (Annual)$1.63

ROI (Annual)3.22%

Gross Margin (Annual)65.29%

Cash / Share (Quarterly)$6.69

P/E Basic Excl Extra (TTM)6.56x

Revenue Growth QoQ (YoY)42.79%

P/E Normalized (Annual)7.03x

ROA (Last FY)2.60%

EBITD / Share (TTM)$-4.44

Operating Margin (TTM)-167.46%

Cash Flow / Share (Annual)$-6.62

P/B Ratio1.27x

P/B Ratio (Quarterly)1.16x

Net Income / Employee (Annual)$45,591

ROA (TTM)2.92%

EPS Growth QoQ (YoY)101.97%

EPS Incl Extra (Annual)$1.63

Current Ratio (Annual)0.26x

Quick Ratio (Quarterly)0.24x

3-Month Avg Trading Volume0.40M

P/E Incl Extra (TTM)6.56x

Revenue / Employee (TTM)$85,459

Tangible BV / Share (Quarterly)$7.38

P/S Ratio (Annual)3.85x

Asset Turnover (Annual)0.05x

52-Week High$3.87

EPS Excl Extra (Annual)$1.63

26-Week Price Return-24.15%

Quick Ratio (Annual)0.25x

13-Week Price Return-2.68%

Total Debt / Equity (Annual)7.75x

Current Ratio (Quarterly)0.25x

Enterprise Value$6.94B

Asset Turnover (TTM)0.05x

Revenue / Employee (Annual)$83,189

Pretax Margin (Annual)15.94%

Cash / Share (Annual)$5.78

3-Month Return Std Dev73.90%

Net Income / Employee (TTM)$48,870

ROE (Last FY)28.18%

EPS Basic Excl Extra (Annual)$1.63

Receivables Turnover (TTM)0.50x

Total Debt / Equity (Quarterly)5.37x

EPS Incl Extra (TTM)$1.75

Receivables Turnover (Annual)0.50x

ROI (TTM)3.59%

P/S Ratio (TTM)3.75x

Revenue / Share (Annual)$2.98

Forward P/E6.88x

P/E Ratio (TTM)6.56x

Year-to-Date Return-42.63%

5-Day Price Return6.13%

EPS Normalized (Annual)$1.63

Net Profit Margin (Annual)54.81%

Month-to-Date Return-17.42%

EBITD / Share (Annual)$-4.73

Operating Margin (Annual)-180.96%

P/E Excl Extra (TTM)6.56x

EPS Basic Excl Extra (TTM)$1.75

P/TBV (Quarterly)1.43x

Pretax Margin (TTM)22.61%

Price vs S&P 500 (13W)-5.47%

Beta3.20x

P/FCF (Annual)4.49x

Revenue / Share (TTM)$3.06

ROE (TTM)31.23%

52-Week Low$1.61

vGradeC

gGradeB

mGradeC

vgmGradeC

PICS Earnings Surprise History

Q1 260.25est. 0.22

PICS Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.33

Industry Peers — Personal Credit Institutions(15)

Symbol	Value Score	Growth Score	Momentum Score	Price
PICSPicS N.V. Class A Common Shares	C	B	C	$10.85
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	B	$77.94
OMFOneMain Holdings, Inc.	B	C	B	$63.23
CACCCredit Acceptance Corp	C	C	B	$604.26
ENVAEnova International, Inc.	C	C	A	$243.39
SLMSLM Corporation	C	C	B	$26.47
NNINelnet, Inc. Class A	C	C	C	$128.76
BFHBread Financial Holdings, Inc.	C	C	B	$107.63
HAPNHappen, Inc. Common Stock	D	C	B	$18.26
LCLendingClub Corporation	D	C	B	$18.25
ATLCAtlanticus Holdings Corporation	C	B	B	$93.95
WRLDWorld Acceptance Corp	C	D	B	$193.45
LPROOpen Lending Corporation Common Stock	D	C	B	$3.14
RMREGIONAL MANAGEMENT CORP	B	C	C	$33.34
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	B	B	$25.16
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	B	B	$25.38

About PicS N.V. Class A Common Shares

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.