PAGS vs STNE Stock Comparison
STNE currently leads PAGS in this stock comparison, with AIQ scores of 52 vs 45. The clearest difference is quality.
What is the main difference between PAGS and STNE?
STNE leads the current stock comparison as StoneCo Ltd., with the clearest separation coming from quality and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
PagSeguro Digital Ltd. vs StoneCo Ltd.
STNE leads
STNE leads by 7 AIQ points, primarily on Quality.
Fragile: 3 of 6 evidence groups support STNE, and its current signal state is conflicted.
PagSeguro Digital Ltd.
StoneCo Ltd.
The Algovestiq AIQ Score currently favors STNE over PAGS, 52 versus 45 as of Oct 31, 2026. STNE's advantage is driven primarily by stronger quality. STNE also shows the weaker technical structure relative to its 50-day moving average. 3 of 6 covered evidence groups favor STNE today, and the comparison is rated Fragile on stability: only 3 of 6 covered evidence groups agree. STNE lead: Stable — the AIQ differential has held near 7 points over 30 sessions.
Compare PagSeguro Digital Ltd. and StoneCo Ltd. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare PAGS and STNE against another ticker
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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.
- Quality38 vs 63STNE +25
- Risk Resilience35 vs 32Even
- Momentum24 vs 23Even
- Value75 vs 75Even
3 of 6 evidence groups favor STNE. STNE’s edge is concentrated in quality.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Momentum -1, not enough on its own to move the overall score.
New signals
- BB Lower Band Breach — bullish, volatility, short horizon
- RSI Oversold - Potential Bounce — bullish, momentum, short horizon
Largest factor move: Momentum -1, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 8 active signals are unchanged.
STNE's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — PAGS and STNE both carry a full feed there.
The central trade-off
STNE (StoneCo Ltd.): the stronger current systematic profile, led by quality.
PAGS (PagSeguro Digital Ltd.): the counter-case, on technicals.
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
STNESTNE 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
EvenThe two are level on Momentum.
Lower downside
PAGSPAGS carries the lower 1-month annualized volatility.
Analyst upside
STNESTNE 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 | PAGS | STNE | Note |
|---|---|---|---|
| Implied upside to target | +42.3% | +79.4% | STNE has more room |
| Target dispersion | +18.6% | +17.3% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 2 | 3 | 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 STNE. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | STNE | 45 vs 52 |
| Fundamentals | STNEon balance | revenue growth 4% vs -6.7%; EPS growth 2.6% vs -73.7%; TTM ROE 14.6% vs 29.7%; gross margin 51.3% vs 72.4%; operating margin 37.8% vs 50% — STNE takes 3 of 5 decided legs, not all of them |
| Valuation | Even | Value 75 vs 75 |
| Technicals | PAGS | Price vs 50-day -18.5% vs -23.9%; vs 200-day -14.6% vs -33.5% |
| Risk Resilience | Even | Risk Resilience 35 vs 32 |
| Analyst expectations | STNE | Target upside 42.3% vs 79.4% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of PAGS and STNE 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 moderate at 7 points.
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- 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 STNE.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28STNE lead: Stable — the AIQ differential has held near 7 points over 30 sessions.
- Today
- STNE +7
- 45 vs 52
- 7 sessions ago
- STNE +3
- 57 vs 60
- 30 sessions ago
- STNE +8
- 57 vs 65
- 90 sessions ago
- STNE +6
- 50 vs 56
The lead changed hands 2 times in this window, most recently on Sep 4 when STNE moved ahead of PAGS.
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.
PAGS and STNE carry the same 8 signals, so the signals do not separate them: Bollinger Band Squeeze, Death Cross Active, ATR Expansion - Breakout Mode, BB Lower Band Breach, Keltner Channel Breakdown, RSI Oversold - Potential Bounce, Downtrend Structure Active, MACD Bearish Crossover.
STNE 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 -1.61%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -3.12%, AIQ 0 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.
- 1PAGS closes the Quality gap — currently 25 points behind, the largest single contributor to STNE's edge.
- 2PAGS's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3STNE's conflicting signal state resolves bearish — it currently carries 2 bullish and 4 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
STNE leads on balance| Metric | PAGS | STNE |
|---|---|---|
| Revenue growth (YoY) | 4% | -6.7% |
| EPS growth (YoY) | 2.6% | -73.7% |
| Gross margin | 51.3% | 72.4% |
| Operating margin | 37.8% | 50% |
| Return on equity (TTM) | 14.6% | 29.7% |
| Debt to equity | 3.1 | 1.81 |
Performance
PAGS leads 6 of 6 windows| Metric | PAGS | STNE |
|---|---|---|
| 1 week (5 sessions) | -16.9% | -27.4% |
| 1 month (20 sessions) | -8.4% | -13.4% |
| 3 months (63 sessions) | -17.2% | -29.2% |
| 6 months (126 sessions) | -17.3% | -25.4% |
| Year to date | -12.4% | -38.3% |
| 1 year (252 sessions) | -14.4% | -57.1% |
Technicals
PAGS has the stronger structure| Metric | PAGS | STNE |
|---|---|---|
| RSI (14) | 28.3 | 26.5 |
| ADX (14) | 33.2 | 30 |
| Price vs 50-day | -18.5% | -23.9% |
| Price vs 200-day | -14.6% | -33.5% |
| Volatility (1M, annualized) | 88.7% | 91.3% |
Risk
Split| Metric | PAGS | STNE |
|---|---|---|
| Beta | 1.45 | 1.46 |
| Sharpe ratio | -0.11 | -1.13 |
| Sortino ratio | -0.14 | -1.28 |
| Max drawdown | -32.1% | -58% |
| Current drawdown | -32.1% | -58% |
| Annualized volatility | 54.1% | 62.3% |
| Value at risk (95%) | -4.7% | -5.3% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, PAGS or STNE?
On the Algovestiq AIQ Score, STNE is the stronger of the two as of Oct 31, 2026, scoring 52 against PAGS's 45. The edge comes from quality. 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 PAGS or STNE the better buy right now?
STNE carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: only 3 of 6 covered evidence groups agree. Treat the lead as provisional.
Why does the AIQ Score favor STNE over PAGS?
The composite weights Quality, Value, Momentum and Risk Resilience. STNE leads Quality by 25 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, PAGS or STNE?
Analyst price targets imply +42.3% upside for PAGS and +79.4% for STNE, so the Street currently favors STNE. 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, PAGS or STNE?
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, PAGS or STNE?
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, PAGS or STNE?
The two are level on Momentum. 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, PAGS or STNE?
PAGS is the more resilient of the two, so the other name carries the higher downside risk. PAGS 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 PAGS more profitable than STNE?
STNE leads on the comparable margin measures — gross margin 51.3% vs 72.4%; operating margin 37.8% vs 50%; ttm roe 14.6% vs 29.7%.
Is STNE's lead over PAGS getting stronger or weaker?
STNE lead: Stable — the AIQ differential has held near 7 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-29 and 2026-10-28. The lead has changed hands 2 times in that window, most recently on 2026-09-04, when STNE moved ahead of PAGS.
What would change the PAGS vs STNE verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: PAGS closes the Quality gap — currently 25 points behind, the largest single contributor to STNE's edge; PAGS's Death Cross Active resolves — a bearish trend rule currently active against it; STNE's conflicting signal state resolves bearish — it currently carries 2 bullish and 4 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 PAGS and STNE?
PAGS: 2 bullish / 4 bearish / 2 neutral, conflicted. STNE: 2 bullish / 4 bearish / 2 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 PAGS is Death Cross Active (bearish, long horizon). On STNE it is Death Cross Active (bearish, long horizon).
Compare PAGS and STNE 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.