PicS N.V.
PICS
Rank in Stocks
#8921
PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay... PicS N.V., a subsidiary of Jf International B.v. and formerly known as Picpay Holdings Netherlands B.V., is a prominent digital financial services provider based in SΓ£o Paulo, Brazil. Established in 2012, the company offers a comprehensive digital wallet and mobile application designed for both individual consumers and businesses. For its individual users, PicS N.V. facilitates a wide array of transactional services. These include instant payments via Brazil's Pix system, peer-to-peer transfers within the PicPay ecosystem, convenient bill payment options, payroll portability, and even a global account feature. Furthermore, a dedicated payment assistant helps users consolidate, organize, and settle their various bills through a centralized hub. Beyond payments, PicS N.V. extends its financial product suite to include versatile multipurpose cards and a variety of lending solutions. These encompass personal loans, installment payment options, and specialized payroll loans tailored for public servants, retirees, pensioners, and formally employed workers. It also grants access to the FGTS annual birthday withdrawal program. The company further operates a digital insurance platform, distributing products like digital wallet insurance, PicPay Card bill protection, credit life insurance, smartphone protection, life insurance, and home insurance. Additionally, it caters to diverse investor profiles and financial objectives with a selection of investment products. For small and medium-sized businesses (SMEs), PicS N.V. provides a robust portfolio of services, including QR Code payment solutions, comprehensive banking services, and corporate benefits with salary advance options. The company also operates PicPay Shop, an integrated marketplace where consumers can purchase a variety of products and services, and PicPay Ads, an advertising platform that enables brands to engage with its active user base through contextually relevant placements within the application.
Share Price
$7.30
Last synced: 2026-11-09
Market Cap
$945.99M
Change (1 day)
6.41%
Change (1 year)
-
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade PicS N.V. (PICS)
Category
Technology
Operating Margin for PicS N.V. (PICS)
Operating Margin as of November 2026 TTM: 22.63%
According to PicS N.V.'s latest financial reports, its current operating margin (TTM) is 22.63%. At the end of 2025 the company had an operating margin of 39.31%.
Operating Margin history for PicS N.V. from 2021 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 22.63% | -42.43% |
| 2025 | 39.31% | 489.36% |
| 2024 | 6.67% | 13,240.00% |
| 2023 | 0.05% | -100.22% |
| 2022 | -23.11% | -85.12% |
| 2021 | -155.30% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 47.10% | -97.92% |
US
|
|
| 42.80% | -98.11% |
US
|
|
| 32.36% | -98.57% |
US
|
|
| 6.05% | -99.73% |
US
|
|
| -2.21% | -100.10% |
US
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about PicS N.V.'s operating margin
What is PicS N.V.'s operating margin?
PicS N.V.'s operating margin is 22.63%, as of Nov 2026.
What was PicS N.V.'s operating margin in 2025?
In 2025, PicS N.V.'s operating margin was 39.31%, compared with 6.67% in 2024.
How has PicS N.V.'s operating margin changed since 2021?
From 2021 to 2025, PicS N.V.'s operating margin was highest in 2025 (39.31%) and lowest in 2021 (-155.30%).
How does PicS N.V.'s operating margin compare with similar companies?
PicS N.V.'s operating margin (22.63%) is higher than that of 2 of the 5 similar companies listed above. The highest among them is Microsoft Corporation, with 47.10%.