PicS N.V. (PICS)

NASDAQ: PICS · Real-Time Price · USD

13.77

-0.37 (-2.62%)

At close: Oct 21, 2026, 4:00 PM EDT

14.00

+0.23 (1.67%)

Pre-market: Oct 22, 2026, 7:30 AM EDT

PicS N.V. Financials Overview

Financials in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	13,379	10,278	5,570	3,459	2,935	1,145
Revenue Growth	73.10%	84.52%	61.05%	17.83%	156.42%	193.85%
Gross Profit	11,183	8,164	3,986	2,141	2,414	572.48
Operating Income	5,432	3,861	1,746	1,209	472.4	-1,176
Net Income	1,334	1,091	217.57	34.52	-45.69	-1,558
Earnings Per Share	10.37	10.23	-	1.01	-1.29	-
EPS Growth	-	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Consumer Banking	13,064	10,353	5,662	3,014
Small and Medium-Sized Businesses	548.5	415.85	190.49	133.5
Audiences and Ecosystem Integration	139.84	118.24	85.51	87.3
Institutional	2,291	1,173	114.9	156.74
Adjustments	-2,664	-1,782	-482.68	67.13
Revenue (Total)	2,201	1,891	1,524	1,060

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	6,527	3,906	7,518	7,556	7,101	149.29
Total Debt	3,457	1,613	757.89	58.65	52.95	287.19
Net Cash (Debt)	3,070	2,293	6,760	7,497	7,048	-137.9
Net Cash Growth	-	-66.09%	-9.84%	6.37%	-	-
Net Cash Per Share	23.86	21.48	-	219.51	199.59	-

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-564.13	-3,739	2,291	1,567	7,340	-2,506
Capital Expenditures	-47.29	-66.13	-57.74	-4.66	-5.33	-24.81
Free Cash Flow	-611.41	-3,805	2,233	1,562	7,334	-2,531
Free Cash Flow Growth	-	-	42.92%	-78.70%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	83.59%	79.43%	71.55%	61.90%	82.25%	50.01%
Operating Margin	40.60%	37.57%	31.35%	34.95%	16.09%	-102.72%
Pretax Margin	4.67%	3.09%	6.21%	0.05%	-23.81%	-166.03%
Profit Margin	9.97%	10.62%	3.91%	1.00%	-1.56%	-136.10%
FCF Margin	-4.57%	-37.03%	40.09%	45.17%	249.87%	-221.09%