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
PicS statistics
Financials through Jun 30, 2026, price-based ratios appear once a share price is available
Valuation
| Market Cap | 7.22B BRL |
|---|---|
| Enterprise Value | 1.12B BRL |
| PE Ratio | 0.00 |
| PS Ratio | 0.70 |
Enterprise value
| EV / Sales | 0.11 |
|---|---|
| EV / EBITDA | 2.33 |
| EV / EBIT | 30.90 |
Income (trailing twelve months)
| Revenue | 10.28B BRL |
|---|---|
| Operating Income | 36.13M BRL |
| Pretax Income | 317.34M BRL |
| Net Income | -1.09B BRL |
| EBITDA | 478.89M BRL |
| EPS (Diluted) | 5457000.00 BRL |
Margins
| Operating Margin | 0.35% |
|---|---|
| Pretax Margin | 3.09% |
| Profit Margin | -10.6% |
| EBITDA Margin | 4.66% |
| FCF Margin | -37.0% |
Returns
| Return on Assets (ROA) | -2.09% |
|---|
Growth
| Revenue Growth (YoY) | 84.5% |
|---|---|
| EPS Growth (YoY) | 401.6% |
| FCF Growth (YoY) | -270.7% |
Balance sheet
| Cash & Short-Term Investments | 6.11B BRL |
|---|---|
| Net Cash (Debt) | 6.11B BRL |
| Net Cash Per Share | 57.23 BRL |
Financial position
| Interest Coverage | 0.01 |
|---|
Cash flow (trailing twelve months)
| Operating Cash Flow | -3.74B BRL |
|---|---|
| Capital Expenditures | -67.68M BRL |
| Free Cash Flow | -3.81B BRL |
| FCF Per Share | -35.67 BRL |
Efficiency
| Asset Turnover | 0.20 |
|---|---|
| Revenue Per Employee | 2.22M BRL |
| Profits Per Employee | -235.79K BRL |
| Employee Count | 4,629 |
Dividends and yields
| Earnings Yield | -15.1% |
|---|---|
| FCF Yield | -52.7% |
| Buyback Yield | -16.4% |
| Shareholder Yield | -16.4% |
Shares
| Shares Outstanding | 106,730,000 |
|---|---|
| Shares Change (YoY) | 0.00% |
| Float | 4,528,400 |
| Shares Held by Insiders | 95.8% |
Taxes
| Income Tax | -824.27M BRL |
|---|---|
| Effective Tax Rate | -259.7% |
Scores
| Altman Z-Score | 0.34 |
|---|---|
| Piotroski F-Score | 3 |
Calculated by StockData from PicS's SEC filings. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.