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Shift4 Payments, Inc. (FOUR) vs PagSeguro Digital Ltd. (PAGS)

Shift4 Payments, Inc. and PagSeguro Digital Ltd. are both Software Infrastructure companies. Shift4 Payments, Inc. and PagSeguro Digital Ltd. are of similar size ($3.1B and $3.1B). PagSeguro Digital Ltd. trades at the lower P/E: 7.7× against 62.6×. Shift4 Payments, Inc. grew revenue faster over the last twelve months: 32.4% against 12.3%. PagSeguro Digital Ltd. has the higher net margin (10.5% vs 0.92%) and the higher return on invested capital (32.6% vs 4.12%). Across the 22 metrics below, PagSeguro Digital Ltd. leads on 20 and Shift4 Payments, Inc. on 2.

Valuation

Metric FOUR PAGS Software Infrastructure median
P/E 62.59 7.69 28.38
P/S 1.31 0.78 2.98
P/B 3.60 1.02 2.93
Price to free cash flow 20.10 4.26 16.28
EV/EBITDA 11.06 1.60 13.92
EV/Sales 2.18 0.79 2.90
Earnings yield 1.60% 13.00% 0.14%
Free cash flow yield 4.97% 23.48% 1.24%

Profitability

Metric FOUR PAGS Software Infrastructure median
Gross margin 35.91% 53.30% 61.00%
Operating margin 8.11% 40.07% 0.00%
Net margin 0.92% 10.47% 0.00%
Free cash flow margin 6.50% 18.36% 1.67%
Return on equity 3.20% 14.69% 0.60%
Return on assets 0.56% 2.96% 0.00%
Return on invested capital 4.12% 32.55% 0.00%

Growth

Metric FOUR PAGS Software Infrastructure median
Revenue growth (TTM) 32.44% 12.27% 13.41%
EPS growth (last fiscal year) (64.36%) 12.39% 27.10%
Revenue growth, 5-year CAGR 40.37% 22.56% 15.57%
Net income growth, 5-year CAGR 0.00% 8.65% 0.00%

Health

Metric FOUR PAGS Software Infrastructure median
Debt to equity 2.60 0.10 0.05
Current ratio 1.21 1.55 1.55
Net debt to EBITDA 4.44 0.00 0.08

Dividend

Metric FOUR PAGS Software Infrastructure median
Dividend yield — 4.91% 1.20%
Payout ratio — 0.38 0.29

Size

Metric FOUR PAGS Software Infrastructure median
Market cap 3.11b 3.09b 752.37m

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