WallStSmart

PagSeguro Digital Ltd (PAGS)vsTurtle Beach Corporation (TBCH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PagSeguro Digital Ltd generates 6545% more annual revenue ($19.81B vs $298.19M). PAGS leads profitability with a 10.8% profit margin vs 0.4%. PAGS trades at a lower P/E of 6.3x. PAGS earns a higher WallStSmart Score of 67/100 (B-).

PAGS

Strong Buy

67

out of 100

Grade: B-

Growth: 5.3Profit: 7.0Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: 1.22

TBCH

Hold

43

out of 100

Grade: D

Growth: 4.0Profit: 3.5Value: 5.0Quality: 7.0
Piotroski: 5/9Altman Z: 1.83

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PAGS3 strengths · Avg: 10.0/10
P/E RatioValuation
6.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

TBCH2 strengths · Avg: 8.0/10
PEG RatioValuation
1.008/10

Growing faster than its price suggests

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

PAGS3 concerns · Avg: 2.3/10
Revenue GrowthGrowth
1.5%4/10

1.5% revenue growth

Altman Z-ScoreHealth
1.222/10

Distress zone — elevated risk

Debt/EquityHealth
3.191/10

Elevated debt levels

TBCH4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.834/10

Grey zone — moderate risk

Market CapQuality
$265.76M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
0.4%3/10

0.4% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : PAGS

The strongest argument for PAGS centers on P/E Ratio, Price/Book, Operating Margin.

Bull Case : TBCH

The strongest argument for TBCH centers on PEG Ratio, Price/Book. PEG of 1.00 suggests the stock is reasonably priced for its growth.

Bear Case : PAGS

The primary concerns for PAGS are Revenue Growth, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.19 is elevated, increasing financial risk.

Bear Case : TBCH

The primary concerns for TBCH are Altman Z-Score, Market Cap, Return on Equity. A P/E of 669.5x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

TBCH carries more volatility with a beta of 2.29 — expect wider price swings.

PAGS is growing revenue faster at 1.5% — sustainability is the question.

PAGS generates stronger free cash flow (220M), providing more financial flexibility.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PAGS scores higher overall (67/100 vs 43/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

PagSeguro Digital Ltd

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

PagSeguro Digital Ltd., provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company is headquartered in So Paulo, Brazil.

Turtle Beach Corporation

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Turtle Beach Corporation is an audio technology company in North America, Europe, the Middle East, and the Asia Pacific. The company is headquartered in White Plains, New York.

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