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51

PICS

💻 Technology

PicS N.V.

Conservative #559Aggressive #51Moderate Risk
$17.08-3.83%
Day High$18.20
Day Low$16.61
Volume0.8M
Mkt Cap$2.2B
52W Low $1352W High $20
Market Cap
$2.2B
P/E Ratio
31.0
Sector avg: 49.8
Rev Growth
68.7%
Sector avg: 14.8%
Earnings Growth
530.2%
Profit Margin
3.9%
Sector avg: -110.0%
Debt/Equity
0.31

Why This Score

PICS scores 52.5 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Strong profitability: ROE of 15.6% exceeds the 15% quality threshold.
  • High conviction (100/100) — fundamental and ML signals agree on this stock.
Risk Factors
  • Above-average volatility (20.0%) may not suit conservative risk tolerance.

Minor adjustments (0.0 points) applied. PICS's rank of #559 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score52.5
Fundamental Score46.1
ML Score58.0

Score by Horizon

3 Month
65.6
6 Month
73.3
Primary
1 Year
77.2

Quality Assessment

D
Quality Grade
Below average quality — weak profitability or high leverage
1 quality flag detected — see details below. These penalties are already factored into the final score.
Quality Flags
High accrual ratio (-1148.2%) — earnings quality concern

Position Sizing

Suggested Allocation
4%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
50
Basing
Sentiment (2.5%)
58
Neutral
Analyst (6.4%)
50
Neutral
Tradability (post-hoc)
81
Grade A
Base
48.5
SHAP
+1.1
Factors
+0.8
Conviction
+2.1
Final
52.5
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

66AVG
Value57
Quality35
Growth100
Stability73
Investment65

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)65.0
Technical (Momentum, Weinstein, Volatility)52.0
External (Sentiment, Analyst, Macro)77.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage72%

Growth Estimates

Short-term
+3.4% to +8.2%
Medium-term
+5.7% to +13.1%
Long-term
+8.7% to +18.8%

ML Model Core Features100 trained inputs → ML Score: 58

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score50.0/100
Target Upside+50.9%
Coverage0 analysts
Market Sentiment
Sentiment Score57.8/100
News Volume1 articles
Technical Stage
Weinstein Stage1 — Basing
Volatility+0.2%
Momentum & Technical
Momentum Acceleration+0.0%
Momentum ConsistencyDivergent (0.00)
Relative Strength vs Sector-3.6%
Trend Strength (ADX Proxy)Weak (0.0)
Momentum Quality+0.000
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
1%
Low risk
Sector RevGr Rank
P98
Revenue growth vs Technology peers
Sector PE Rank
P39
Valuation vs Technology peers
Sector FCF Rank
P99
Free cash flow vs Technology peers
Growth Deviation
+1.2σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 46 relative to sector peers46/100
Machine learning ensemble ranks this stock at the 58th percentileP58
Blended score: 80% fundamental (46) + 20% ML (58) = 48.548.5
Risk assessment: low. Low vol 0.2%Low
Earnings quality grade D: weak earnings quality, multiple concerns. Score adjusted by 0 pointsGrade D
SHAP feature alignment: +1.1pt (features align with model priorities)SHAP
Conviction adj: +2.1pt (conviction=N/A)Conviction
Risk Factors
Quality concern: High accrual ratio (-1148.2%) — earnings quality concernFlag

Sector Peer Comparison(Technology — Rank #121 of 289 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
PICS52.531.068.7%3.9%$2.2B
MPWR85.191.721.2%81.0%$54.7B
ZM84.518.03.1%21.7%$22.0B
NVDA80.745.2114.2%55.8%$4.4T
CRUS80.319.16.0%17.5%$7.2B
CSCO78.027.65.3%18.0%$310.0B
ASML77.848.115.6%29.4%$562.8B
RMBS77.748.320.7%32.3%$10.7B
IDCC77.731.8-4.0%48.8%$9.5B
ADI75.674.116.9%20.6%$172.3B
FSLR75.317.326.7%30.7%$20.8B
SIMO74.59.210.2%13.8%$4.3B
AAPL74.433.16.4%27.0%$4.0T
LRCX74.048.323.7%29.1%$296.8B
DBX74.013.91.9%17.7%$6.6B
TER73.790.95.4%19.2%$50.8B
Sector Average48.149.814.8%-110.0%—

Market Sentimentvia FMP

Price Target
$25consensus
Low $20Median $24High $30
+43.4% to consensus target

Company Overviewvia FMP

Pics N.V. operates as a digital financial services company that provides digital wallet and application for individuals and businesses in Brazil. It 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.

CEO
Eduardo Chedid Simoes
Employees
4,202
Beta
0.00
Industry
Software - Infrastructure

Technical Picturecomputed from daily prices

RSI (14)
58.2
Neutral
Trend
N/A
10-day vs 50-day MA
From 52W High
-14.4%
High: $19.95
From 52W Low
+33.4%
Low: $12.8
Moving Averages
10-Day
$15.70
Above
20-Day
$15.90
Above
50-Day
N/A
200-Day
N/A
60-Day Support
$12.8
60-Day Resistance
$19.95

Entry & Exit Zones

Avoid
No Entry
—
Insufficient technical data
Exit Target
—
—
Stop Level
—
—

Not enough price history to compute reliable entry and exit zones for this stock.

Technical zones only — derived from moving averages and price structure. Not financial advice. Past technical patterns do not guarantee future performance.

Financial Statementslast 4 quarters via FMP

MetricQ3 2025Q2 2025Q1 2025Q4 2024
Revenue$2.6B$2.3B$2.1B$1.7B
Gross Profit$980M$870M$1.2B$764M
Operating Income$168M$106M$77M$63M
Net Income$93M$104M$76M$67M
EPS (Diluted)$0.72$0.80$377771.00$0.00
Gross Margin37.4%37.5%55.5%45.6%
Operating Margin6.4%4.6%3.7%3.7%
Net Margin3.6%4.5%3.6%4.0%

Why This Stock

TechnologyRevenue growth 68.7%Valuation below sector median (P/E 31.0)

Tradability FilterGrade A — 81/100Score impact: -15.0pt

Volume
100
1.7M avg/day
Dollar Vol
85
$27M/day
Float
60
0K shares
Mkt Cap
60
$2.2B
Range
88
56% spread
Composite Liquidity Score81/100
FDCBA

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
0.0%
Outstanding Shares
129M
Bid-Ask Spread
56.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.