Heartland Payment Systems (HPY) versus PagSeguro Digital (PAGS) Head to Head Analysis

PagSeguro Digital (NYSE: PAGS) and Heartland Payment Systems (NYSE:HPY) are both mid-cap business services companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, valuation, profitability, analyst recommendations, risk, dividends and earnings.


Heartland Payment Systems pays an annual dividend of $0.40 per share and has a dividend yield of 0.4%. PagSeguro Digital does not pay a dividend. Heartland Payment Systems pays out 17.6% of its earnings in the form of a dividend. PagSeguro Digital has raised its dividend for 7 consecutive years.

Valuation and Earnings

This table compares PagSeguro Digital and Heartland Payment Systems’ gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PagSeguro Digital $790.32 million 4.70 $36.46 million N/A N/A
Heartland Payment Systems N/A N/A N/A $2.27 45.41

PagSeguro Digital has higher revenue and earnings than Heartland Payment Systems.


This table compares PagSeguro Digital and Heartland Payment Systems’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PagSeguro Digital N/A N/A N/A
Heartland Payment Systems 3.25% 27.90% 6.09%

Analyst Ratings

This is a summary of current ratings for PagSeguro Digital and Heartland Payment Systems, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PagSeguro Digital 0 2 6 0 2.75
Heartland Payment Systems 0 0 0 0 N/A

PagSeguro Digital presently has a consensus price target of $34.75, indicating a potential upside of 0.38%. Given PagSeguro Digital’s higher possible upside, equities research analysts plainly believe PagSeguro Digital is more favorable than Heartland Payment Systems.


PagSeguro Digital beats Heartland Payment Systems on 5 of the 9 factors compared between the two stocks.

PagSeguro Digital Company Profile

PagSeguro Digital Ltd is a provider of financial technology solution company. The Company is focused primarily on micro-merchants, small companies and medium-sized companies in Brazil. The Company offers multiple digital payment solutions, In-person payments via POS devices that we sell to clients, free digital accounts, and withdrawing account balances. Its end-to-end digital ecosystem enables its customers accept payments and manage their businesses. It offers safe, affordable, simple, mobile-first solutions for merchants to accept payments and manage their cash through their PagSeguro digital accounts, without the need for a bank account. Its digital account offers more than 30 cash-in methods and six cash-out options including its PagSeguro prepaid card, all using proprietary technology platform and backed by the trusted PagSeguro and UOL brands. Its digital ecosystem also features other digital financial services, business management tools and functionalities for its clients.

Heartland Payment Systems Company Profile

Heartland Payment Systems, Inc. is a United States-based company that provides payment processing services to merchants. The Company’s electronic payment processing services facilitate the exchange of information and funds between merchants and cardholders’ financial institutions. Its segments include Payment Processing, which offers card payment processing and related services to its small and medium-sized enterprise merchants and Network Services merchants; Campus Solutions, which offers payment processing, integrated commerce solutions, loan services and open- and closed-loop payment solutions to institutions of higher education; Heartland School Solutions, which offers school nutrition and point of sale solutions and associated payment solutions to K-12 schools; Heartland Payroll Solutions, which provides payroll processing and related tax filing services, and Other, including integrated payments solutions for small ticket merchants, and loyalty and gift card marketing solutions.

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