PicS N.V. (PICS) stock

PICSNasdaqPersonal Credit Institutions

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 20-F on Apr 30, 2026Score 1/30

$7.42+0.46 (+6.61%)

Close on Nov 13, 2026Market cap $791.94MP/E 0.0Yield –

PicS statistics

61 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: –
Last ex-dividend date: No dividends
Fundamentals through: Jun 30, 2026
Share price as of: –

Valuation ratiosIndustry

Market Cap: 4.35B BRL; –
Enterprise Value: -1.76B BRL; –
PE Ratio: 0.00; –
PS Ratio: 0.42; –

Enterprise valuationIndustry

EV / Sales: -0.17; –
EV / EBITDA: -3.67; –
EV / EBIT: -48.67; –

Share statisticsIndustry

Shares Outstanding: 107M; –
Shares Change (YoY): 0.00%; –
Float: 5M; –
Shares Held by Insiders: 95.8%; –
Shares Held by Institutions: 11.1%; –

Short sellingIndustry

Short Interest: 2M; –
Short Interest Change: 38.5%; –
Days to Cover: 1.67; –

Stock price statisticsIndustry

Price Change (1 Week): 8.16%; –
Price Change (1 Month): -44.1%; –
Price Change (3 Months): -27.4%; –
Price Change (6 Months): -29.3%; –
Average Volume (10 Days): 585,259; –
Average Volume (20 Days): 899,191; –
Average Volume (90 Days): 592,169; –
Relative Volume: 1.41; –
Relative Strength Index (14): 38.7; –
Volatility (1 Year): 92.9%; –

MarginsIndustry

Operating Margin: 0.35%; –
Pretax Margin: 3.09%; –
Profit Margin: -10.6%; –
EBITDA Margin: 4.66%; –
FCF Margin: -37.0%; –

Returns on capitalIndustry

Return on Assets (ROA): -2.09%; –

Financial positionIndustry

Interest Coverage: 0.01; –

GrowthIndustry

Revenue Growth (YoY): 84.5%; –
EPS Growth (YoY): 401.6%; –
FCF Growth (YoY): -270.7%; –

EfficiencyIndustry

Asset Turnover: 0.20; –
Revenue Per Employee: 2.22M BRL; –
Profits Per Employee: -235.79K BRL; –
Employee Count: 4,629; –

Income statement (TTM)Industry

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; –

Balance sheetIndustry

Cash & Short-Term Investments: 6.11B BRL; –
Net Cash (Debt): 6.11B BRL; –
Net Cash Per Share: 57.23 BRL; –

Cash flow (TTM)Industry

Operating Cash Flow: -3.74B BRL; –
Capital Expenditures: -67.68M BRL; –
Free Cash Flow: -3.81B BRL; –
FCF Per Share: -35.67 BRL; –

Dividends and yieldsIndustry

Earnings Yield: -25.1%; –
FCF Yield: -87.6%; –
Buyback Yield: -27.2%; –
Shareholder Yield: -27.2%; –

Taxes and interestIndustry

Interest Expense: 3.50B BRL; –
Income Tax: -824.27M BRL; –
Effective Tax Rate: -259.7%; –

Scores and fair valueIndustry

Altman Z-Score: 0.30; –
Piotroski F-Score: 3; –

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	PICS	S&P 500	Difference	PICS per year	S&P 500 per year
1 month	-44.5%	-3.0%	−41.4 pts
3 months	-35.0%	-2.8%	−32.2 pts

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

2M PICS shares were sold short on Oct 30, 2026, up 38.5% from the previous report. At recent volumes it would take 1.7 days to buy them back. Over the last 20 sessions, 36.7% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	1,879,543	+38.5%	1,125,133	1.7
Oct 15, 2026	1,357,057	-9.5%	859,551	1.6
Sep 30, 2026	1,500,142	+9.8%	383,616	3.9
Sep 15, 2026	1,366,625	+18.8%	454,893	3.0
Aug 31, 2026	1,150,750	-6.7%	781,049	1.5
Aug 14, 2026	1,233,025	-12.2%	346,305	3.6
Jul 31, 2026	1,404,335	-21.7%	224,394	6.3
Jul 15, 2026	1,792,653	-10.3%	249,452	7.2
Jun 30, 2026	1,999,143	+8.4%	334,155	6.0
Jun 15, 2026	1,845,032	+41.7%	699,831	2.6
May 29, 2026	1,302,215	+6.0%	259,526	5.0
May 15, 2026	1,228,946	+8.8%	381,477	3.2