PICS
PicS·NASDAQ
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PICS fundamentals
PicS (PICS) released its earnings on Mar 19, 2026: revenue was 557.31M (YoY --), beat estimates; EPS was 0.2187 (YoY --), missed estimates.
Revenue / YoY
557.31M
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EPS / YoY
0.2187
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Report date
Mar 19, 2026
PICS Earnings Call Summary for Q4,2025
- Record Growth: Q4 2025 net revenues rose 69% YoY to BRL 3 billion, with adjusted net income up 136% to BRL 180 million.
- Credit Expansion: Total credit portfolio hit BRL 24 billion (128% YoY), driven by 116% YoY growth in personal loans and 50% YoY in PicPay Card TPV.
- Efficiency Leap: ROE jumped to 24.4%, efficiency ratio fell below 50%, and ARPAC rose 52% to BRL 71.
- Strategic Wins: Launch of Epic for affluent clients, 9 million active insurance policies, and 80%+ private payroll loan origination via in-app channels.
- Sustainability: 3.5%-3.7% cost of risk guidance for 2026, with 44% YoY deposit growth supporting credit expansion.
EPS
Actual | 0.2187 |
Forecast | 0.2279 |
Surprise | -4.04% |
Revenue
Actual | 557.31M |
Forecast | 520.87M |
Surprise | +7.00% |
Earnings Call
You can ask Aime
What is PicS's gross profit margin?What guidance did PicS's management provide for the next earnings period?What does PicS do and what are its main business segments?Did PicS beat or miss consensus estimates last quarter?What factors drove the changes in PicS's revenue and profit?What were the key takeaways from PicS's earnings call?What is the revenue and EPS growth rate for PicS year over year?What is PicS's latest dividend and current dividend yield?
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