Company Description
PicS N.V. operates PicPay, a Nasdaq-listed digital bank serving consumers and businesses in Brazil. The company runs a two-sided financial ecosystem that connects individuals, merchants, small and medium-sized businesses, and institutional participants through mobile-first banking and payment services. Its product set includes a digital wallet, Pix instant payments, peer-to-peer transfers, bill payments, credit cards, loans, investments, insurance, and payment solutions for businesses.
PicPay began with instant payments and QR-code transactions and has expanded into a broader digital banking platform. The company’s consumer offering centers on account activity inside the wallet, including transfers, payments, credit products, investment access, and insurance distribution. Its business services extend the platform to merchants and small and medium-sized companies that accept digital payments or use PicPay’s financial services.
The company reports four operating segments: Consumer Banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration, and Institutional. Consumer Banking is the primary revenue contributor and generates revenue from transaction activity in the digital wallet, including Pix, peer-to-peer transfers, and bill payments. The small and medium-sized business segment reflects PicPay’s merchant and business-payment activities, while the ecosystem and institutional categories organize additional platform relationships and financial-services activity.
PicPay describes itself as one of the largest digital banks in Brazil by number of customers. Its model combines payments, deposits, credit, and adjacent financial products within a single account-based platform. Revenue is tied to transaction activity, financial income, credit and lending activity, and the broader use of products across its consumer and business ecosystem.
PicS N.V. trades on Nasdaq under the symbol PICS and files as a foreign issuer using Form 20-F status. The company’s public disclosures identify São Paulo, Brazil, as its principal operating location and present PicPay as the commercial brand associated with the listed company.
Stock Performance
Picpay Holdings Netherlands B.V. (PICS) stock last traded at $10.82, up 0.46% from the previous close. Over the past 12 months, the stock has lost 43.0%. At a market capitalization of $1.4B, PICS is classified as a small-cap stock with approximately 129.6M shares outstanding.
PICS Rankings
Latest News
Picpay Holdings Netherlands B.V. has 4 recent news articles. Of the recent coverage, 2 articles coincided with positive price movement and 2 with negative movement. Key topics include earnings, earnings date, conferences. View all PICS news →
SEC Filings
Picpay Holdings Netherlands B.V. has filed 5 recent SEC filings, including 5 Form 4. The most recent filing was submitted on June 12, 2026. SEC filings provide transparency into a company's financial condition, material events, and regulatory compliance. View all PICS SEC filings →
Insider Radar
Insider buying activity at Picpay Holdings Netherlands B.V. over the past 90 days may reflect management confidence in the company's direction. Institutional investors and analysts often monitor insider purchases as a potential bullish indicator for the stock.
Financial Highlights
Upcoming Events
Short Interest History
Short interest in Picpay Holdings Netherlands B.V. (PICS) currently stands at 1.1 million shares, down 14.0% from the previous reporting period, representing 4.9% of the float. Over the past 12 months, short interest has increased by 14.1%. This relatively low short interest suggests limited bearish sentiment.
Days to Cover History
Days to cover for Picpay Holdings Netherlands B.V. (PICS) currently stands at 3.4 days, up 13.1% from the previous period. This days-to-cover ratio represents a balanced liquidity scenario for short positions. The days to cover has increased 236% over the past year, indicating either rising short interest or declining trading volume. The ratio has shown significant volatility over the period, ranging from 1.0 to 4.0 days.
PICS Company Profile & Sector Positioning
Picpay Holdings Netherlands B.V. (PICS) operates in the Software - Infrastructure industry within the broader Technology sector and is listed on the NASDAQ. In monthly performance, the stock ranks #2,949 among all tracked companies.