BSBR vs PAGS Stock Comparison
Compare BSBR and PAGS across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between BSBR and PAGS?
PAGS leads the current stock comparison as PagSeguro Digital Ltd., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Banco Santander (Brasil) S.A. vs PagSeguro Digital Ltd.
PAGS leads
PAGS leads by 2 AIQ points, primarily on Momentum, having only recently taken the lead back from BSBR.
Fragile: 3 of 6 evidence groups support PAGS, the lead recently changed hands, and its current signal state is conflicted.
Banco Santander (Brasil) S.A.
PagSeguro Digital Ltd.
The Algovestiq AIQ Score currently favors PAGS over BSBR, 60 versus 58 as of Sep 11, 2026. PAGS's advantage is driven primarily by stronger momentum. PAGS also shows the stronger technical structure relative to its 50-day moving average. 3 of 6 covered evidence groups favor PAGS today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 2 points. PAGS lead: Reversed — BSBR led by 11 AIQ points 30 sessions ago; PAGS now leads by 2.
Compare Banco Santander (Brasil) S.A. and PagSeguro Digital Ltd. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare BSBR and PAGS against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum69 vs 79PAGS +10
- Quality41 vs 38Even
- Value72 vs 75Even
- Risk Resilience47 vs 45Even
3 of 6 evidence groups favor PAGS. PAGS’s edge is concentrated in momentum.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum -1
No new signals fired.
Largest factor move: Momentum +7
New signals
- Keltner Channel Breakout — bullish, volatility, short horizon
PAGS's lead widened by 1 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — BSBR and PAGS both carry a full feed there.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
PAGSPAGS on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
PAGSPAGS on combined revenue and EPS growth.
Value
EvenThe two are level on Value.
Momentum
PAGSPAGS on the Momentum factor, by 10 points.
Lower downside
BSBRBSBR carries the lower 1-month annualized volatility.
Analyst upside
PAGSPAGS on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | BSBR | PAGS | Note |
|---|---|---|---|
| Implied upside to target | -0.3% | +13.1% | PAGS has more room |
| Target dispersion | 0% | +18.3% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 1 | 2 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor PAGS. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 58 vs 60 |
| Fundamentals | PAGS | revenue growth 1.4% vs 4%; EPS growth -9.3% vs 2.6%; TTM ROE 11.8% vs 14.6%; gross margin 37.6% vs 51.3%; operating margin 19.5% vs 37.8% |
| Valuation | Even | Value 72 vs 75 |
| Technicals | PAGS | Price vs 50-day 8.1% vs 10%; vs 200-day -0.7% vs 3.2% |
| Risk Resilience | Even | Risk Resilience 47 vs 45 |
| Analyst expectations | PAGS | Target upside -0.3% vs 13.1% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BSBR and PAGS and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 2 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on PAGS.
How the comparison changed
119 daily snapshots · May 4 – Sep 10PAGS lead: Reversed — BSBR led by 11 AIQ points 30 sessions ago; PAGS now leads by 2.
- Today
- PAGS +2
- 58 vs 60
- 7 sessions ago
- Level
- 59 vs 59
- 30 sessions ago
- BSBR +11
- 58 vs 47
- 90 sessions ago
- PAGS +3
- 49 vs 52
The lead changed hands 3 times in this window, most recently on Sep 9 when PAGS moved ahead of BSBR.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 1 bearish, conflicted
- Death Cross Active — bearish, trend, long horizon (6.32%)
- MACD Bullish Crossover — bullish, momentum, short horizon
2 bullish / 2 bearish / 1 neutral, conflicted
- Death Cross Active — bearish, trend, long horizon (6.74%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Keltner Channel Breakout — bullish, volatility, short horizon
PAGS leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +2.38%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.1%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1BSBR closes the Momentum gap — currently 10 points behind, the largest single contributor to PAGS's edge.
- 2BSBR's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3PAGS's conflicting signal state resolves bearish — it currently carries 2 bullish and 2 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
PAGS leads on balance| Metric | BSBR | PAGS |
|---|---|---|
| Revenue growth (YoY) | 1.4% | 4% |
| EPS growth (YoY) | -9.3% | 2.6% |
| Gross margin | 37.6% | 51.3% |
| Operating margin | 19.5% | 37.8% |
| Return on equity (TTM) | 11.8% | 14.6% |
| Debt to equity | 1.17 | 3.1 |
Performance
PAGS leads 5 of 6 windows| Metric | BSBR | PAGS |
|---|---|---|
| 1 week (5 sessions) | -0.2% | 2.9% |
| 1 month (20 sessions) | 2.3% | 16.2% |
| 3 months (63 sessions) | 11.4% | 18.5% |
| 6 months (126 sessions) | -4.7% | -0.1% |
| Year to date | -3.8% | 5.1% |
| 1 year (252 sessions) | 9.5% | 6.4% |
Technicals
PAGS has the stronger structure| Metric | BSBR | PAGS |
|---|---|---|
| RSI (14) | 66.7 | 81 |
| ADX (14) | 21 | 22.2 |
| Price vs 50-day | 8.1% | 10% |
| Price vs 200-day | -0.7% | 3.2% |
| Volatility (1M, annualized) | 21.8% | 40.8% |
Risk
Split| Metric | BSBR | PAGS |
|---|---|---|
| Beta | 1.23 | 1.49 |
| Sharpe ratio | 0.34 | 0.27 |
| Sortino ratio | 0.54 | 0.41 |
| Max drawdown | -30% | -29.7% |
| Current drawdown | -18.3% | -15.6% |
| Annualized volatility | 34.5% | 44.2% |
| Value at risk (95%) | -3.3% | -4.6% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BSBR or PAGS?
On the Algovestiq AIQ Score, PAGS is the stronger of the two as of Sep 11, 2026, scoring 60 against BSBR's 58. The edge comes from momentum. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is BSBR or PAGS the better buy right now?
PAGS carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 2 points. Treat the lead as provisional.
Why does the AIQ Score favor PAGS over BSBR?
The composite weights Quality, Value, Momentum and Risk Resilience. PAGS leads Momentum by 10 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BSBR or PAGS?
Analyst price targets imply -0.3% upside for BSBR and +13.1% for PAGS, so the Street currently favors PAGS. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, BSBR or PAGS?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, BSBR or PAGS?
PAGS on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, BSBR or PAGS?
PAGS on the Momentum factor, by 10 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, BSBR or PAGS?
BSBR is the more resilient of the two, so the other name carries the higher downside risk. BSBR carries the lower 1-month annualized volatility. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is BSBR more profitable than PAGS?
PAGS leads on the comparable margin measures — gross margin 37.6% vs 51.3%; operating margin 19.5% vs 37.8%; ttm roe 11.8% vs 14.6%.
Is PAGS's lead over BSBR getting stronger or weaker?
PAGS lead: Reversed — BSBR led by 11 AIQ points 30 sessions ago; PAGS now leads by 2. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has changed hands 3 times in that window, most recently on 2026-09-09, when PAGS moved ahead of BSBR.
What would change the BSBR vs PAGS verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: BSBR closes the Momentum gap — currently 10 points behind, the largest single contributor to PAGS's edge; BSBR's Death Cross Active resolves — a bearish trend rule currently active against it; PAGS's conflicting signal state resolves bearish — it currently carries 2 bullish and 2 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about BSBR and PAGS?
BSBR: 1 bullish / 1 bearish, conflicted. PAGS: 2 bullish / 2 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on BSBR is Death Cross Active (bearish, long horizon). On PAGS it is Death Cross Active (bearish, long horizon).
Compare BSBR and PAGS with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.