PicS N.V. (PICS) Stock Analysis & Winston Score

Pics N.V. operates as a digital financial services company that provides digital wallet and application for individuals and businesses in Brazil. It offers a range of transactional products for its consumers, including Pix, an instant payment system, peer-to-peer between PicPay accounts, bill payments, payroll portability, global account, and a payment assistant that helps consumers organize, centralize, and settle bills through an integrated hub. The company also provides multipurpose cards; pe

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.4% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-100.0% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (15%)

Research and development spending

Insider Activity

82.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~9 years

$14.7B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

$14.7B cash & investments at current burn rate

Growth context

PicS N.V. is growing revenue at 9% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 129.6M (2021) → 129.6M (2025)

Score breakdown

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Quality

Gross Margin

79.1%

Premium pricing power — 79.1% gross margin

Operating Margin

10.4%

Modest — 10.4% operating margin

ROCE

3.5%

Weak — 3.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+65.7%

Fast-growing sales (65.7% YoY)

EPS YoY

-100.0%

Earnings shrinking (-100.0% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

179%

Turns 179% of profit into real cash

FCF Margin

15.0%

Converts sales into free cash efficiently (15.0%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.12

Conservative — low debt load (0.12)

Interest Cover

0.30x

Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

1.3x

Attractive valuation — P/E 1.3

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-1.4

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Not applicable for this business.

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