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PicS N.V. (PICS) Stock Analysis

Range Bound setup

HoldVALUE-TRAP 1/5Moderate Confidence

Technology · Software - Infrastructure

Hold if already holding. Not a fresh buy at $11.98, but acceptable to hold if already in. Reason: Negative momentum.

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... Read more

$11.98+64.2% A.UpsideScore 7.1/10#1 of 80 Software - Infrastructure
Stop $11.16Target $19.70(analyst − 13%)A.R:R 4.3:1
Analyst target$22.64+89.0%8 analysts
$19.70our TP
$11.98price
$22.64mean
$29

Hold if already holding. Not a fresh buy at $11.98, but acceptable to hold if already in. Reason: Negative momentum. Chart setup: RSI 51 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 7.1/10, moderate confidence.

Passes 6/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity no date, semi cycle peak clear). Fails on weak momentum. Suitability: aggressive.

Thesis

Rewards
Strong overall score: 7.1/10
Attractive valuation
Strong growth profile
Risks
Negative momentum

Key Metrics

P/E (TTM)6.7
P/E (Fwd)3.5
Mkt Cap$1.5B
EV/EBITDA
Profit Mgn10.6%
ROE40.4%
Rev Growth68.7%
Beta
DividendNone
Rating analysts12

Quality Signals

Piotroski F6/9

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·2 ceiling hits

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Volume
0.0
Obv
1.9
Ma Position
2.5
Macd
2.9
Rsi
4.5
Volume distribution (falling OBV)
GatesMomentum 2.4<4.5A.R:R 4.3 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY NO DATESEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
51 · Neutral
20D MA 50D MA 200D MASupport $10.40Resistance $14.65

Price Targets

$11
$20
A.Upside+64.4%
A.R:R4.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Momentum score 2.4/10 — below 4.5 minimum

Earnings

We could not retrieve earnings history for PICS.
The company may be recently listed, pre-revenue, or its beat/miss record wasn't available from our source this run. Earnings signals feed the Growth and Catalyst score dimensions — absence here doesn't affect other dimensions.

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PICS stock a buy right now?

Hold if already holding. Not a fresh buy at $11.98, but acceptable to hold if already in. Reason: Negative momentum. Chart setup: RSI 51 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $19.70 (+64.4%), stop $11.16 (−7.3%), A.R:R 4.3:1. Score 7.1/10, moderate confidence.

What is the PICS stock price target?

Take-profit target: $19.70 (+64.2% upside). Target $19.70 (+64.4%), stop $11.16 (−7.3%), A.R:R 4.3:1. Stop-loss: $11.16.

What are the risks of investing in PICS?

Negative momentum.

Is PICS overvalued or undervalued?

PicS N.V. trades at a P/E of 6.7 (forward 3.5). TrendMatrix value score: 9.7/10. Verdict: Hold.

What do analysts say about PICS?

12 analysts cover PICS with a consensus score of 4.3/5. Average price target: $23.

What does PicS N.V. do?Pics N.V. operates as a digital financial services company that provides digital wallet and application for individuals...

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.

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