PICSNasdaqPersonal Credit Institutions
PicS N.V.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 20-F on Apr 30, 2026
$13.59+0.42 (+3.19%)
Close on Oct 19, 2026
Margins
Share of revenue, fiscal years 2022 to 2025
Operating margin
0.4%
Net margin
-10.6%
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +84.5% | – | – | – | |
| Operating income | +7.0% | – | – | – | |
| EPS, diluted | +401.6% | – | – | – |
Returns and balance sheet
4 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2022 | FY2022 | FY2025 | Trend |
|---|---|---|---|---|
| Interest coverage | – | – | 0.0× | |
| Capex to revenue | – | – | 0.7% | |
| Diluted shares | – | – | 0M |
Cash use needs five years of cash flow figures
PicS does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont needs revenue, assets and equity
This company does not report all three for consecutive years.
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
1of 4 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero-1.09B BRL
- Cash generatingOperating cash flow above zero-3.74B BRL
- Return on assets improvedROA up on the prior year– → -4.0%
- Earnings backed by cashOperating cash flow above net income-3.74B BRL vs -1.09B BRL
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise0M → 0M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → 0.38