PICS | Ticker Profile - Titan Protect

PICS

PicS N.V.

Technology · Software - Infrastructure · NMS

$9.18

Data: 2026-06-05

✓ ETHICAL PASS

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.2B

Total market value of the company

Trailing P/E

5.18

Very cheap relative to earnings

Forward P/E

2.86

Based on estimated future earnings — lower means cheaper

Rev Growth

+70.2%

Year-over-year revenue change

Profit Margin

10.0%

How much profit the company keeps from each dollar of revenue

ROE

30.7%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$21.11

+130% from current price — median analyst estimate

Recommendation

STRONG_BUY

Consensus view from 9 analysts covering this stock

About PicS N.V.

PicS N.V. operates as a digital financial services company that provides digital wallet and application for individuals and businesses in Brazil. The company 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; personal loans; instalment payments; payroll loans for public servants, retirees, and pensioners; private payroll loans for formally employed workers; and access to the FGTS annual birthday withdrawal program. In addition, it offers digital insurance distribution platform with products, such as digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, home insurance, and others, as well as provides a range of products to various investor profiles and financial goals. Further, the company offers a portfolio of products in QR code payments for small and medium-sized businesses; banking services; corporate benefits and salary advances; PicPay Shop that offers consumers to purchase a range of products and services; and PicPay Ads, an advertising platform designed to enable brands to reach engaged consumer base through contextualized placements within the app. PicS N.V. was formerly known as Picpay Holdings Netherlands B.V. The company was founded in 2012 and is based in São Paulo, Brazil. PicS N.V. is a subsidiary of Jf International B.v.

https://www.picpay.com

Country: Brazil Industry: Software - Infrastructure

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

PASS

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% PASS

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

-1.725

Returns do not compensate for the risk — negative edge

Kelly Fraction

-0.1569

No positive edge detected — the data suggests staying out

Calmar Ratio

-1.728

Drawdown risk outweighs the returns — higher risk profile

Annual Return

-82.6%

Historical annualised return based on price data

Max Drawdown

-47.8%

Largest peak-to-trough decline — the worst it has been

HMM State

BULL

Statistical model sees bullish momentum

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

N/A

52W High

$19.95

54% below the year high

52W Low

$8.32

10% above the year low

Avg Volume

518,574

Average daily shares traded — higher means easier to buy and sell

Short Ratio

3.4

Days it would take all short sellers to cover — higher means more crowded

Short % Float

3.9%

Low short interest — limited bearish positioning

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$1.77

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

12.57

Heavy leverage — higher financial risk if revenues decline

Current Ratio

5.28

Strong balance sheet — comfortably covers short-term obligations

Quick Ratio

5.25

Like current ratio but excludes inventory — stricter test

Gross Margin

94.1%

Revenue left after cost of goods — higher means pricing power

Operating Margin

41.1%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$11.7B

Total revenue over the last 12 months

Net Income

$1.2B

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$28.97

Target Median

$21.11

Target Low

$14.86

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-05

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