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PagSeguro Digital Ltd. vs Porch Group, Inc. — Side-by-side quantitative comparison
Based on our 6-factor quantitative model, PagSeguro Digital Ltd. (PAGS) is the stronger stock with a composite score of 68.2/100 and a Buy rating, compared to Porch Group, Inc. (PRCH) at 44.7/100 (Reduce). PAGS ranks #145 in our universe versus #2860 for PRCH, giving it an edge of 23.5 points across quality, value, momentum, investment, stability, and short interest factors.
For the Quality factor — which measures profitability and business quality through metrics like ROE, gross margins, and capital efficiency — PAGS leads at 62/100, while PRCH trails at 50/100 (PAGS: 62/100, PRCH: 50/100). The 12-point gap indicates a meaningful difference in quality characteristics between these stocks.
For the Value factor — which evaluates whether a stock is cheap or expensive relative to its earnings, book value, and cash flows — PAGS leads at 94/100, while PRCH trails at 46/100 (PAGS: 94/100, PRCH: 46/100). The 49-point gap indicates a meaningful difference in value characteristics between these stocks.
For the Momentum factor — which captures price trends and institutional sentiment over the trailing 3-12 months — PAGS leads at 84/100, while PRCH trails at 55/100 (PAGS: 84/100, PRCH: 55/100). The 29-point gap indicates a meaningful difference in momentum characteristics between these stocks.
For the Investment factor — which assesses capital allocation quality including reinvestment rates and asset growth — PAGS leads at 56/100, while PRCH trails at 32/100 (PAGS: 56/100, PRCH: 32/100). The 24-point gap indicates a meaningful difference in investment characteristics between these stocks.
For the Stability factor — which measures financial health through leverage ratios and price volatility — PAGS leads at 65/100, while PRCH trails at 20/100 (PAGS: 65/100, PRCH: 20/100). The 45-point gap indicates a meaningful difference in stability characteristics between these stocks.
On the Short Interest factor, which tracks institutional bearish positioning and potential risk from elevated short selling, these stocks are closely matched (PAGS: 35/100, PRCH: 34/100). The narrow 1-point spread suggests similar short interest profiles, so this factor alone is unlikely to be a decisive differentiator.
Based on our 6-factor model, PagSeguro Digital Ltd. (PAGS) is utilizing a stronger overall profile than PRCH, with a Composite Score of 68 vs 45. This represents a significant advantage. PAGS dominates specifically in Value (+49 points) and Stability, making it the clear quantitative winner.
| Overall Rating | ||
| Composite Score | 68 | 45 |
| Rank | #145 | #2,860 |
| Stars | 4 / 5 | 2 / 5 |
| Action | Buy | Reduce |
| Factor Scores | ||
| Quality | 62 | 50 |
| Value | 94 | 46 |
| Momentum | 84 | 55 |
| Stability | 65 | 20 |
| Investment | 56 | 32 |
| Short Interest | 35 | 34 |
| Valuation | ||
| P/E Ratio | — | — |
| P/B Ratio | — | — |
| P/S Ratio | — | 4.35 |
| EV/EBITDA | — | 25.94 |
| Dividend Yield | 0.0% | 0.0% |
| Profitability | ||
| ROE | 13.4% | -124.6% |
| ROA | 3.0% | -0.4% |
| Gross Margin | 33.2% | 73.6% |
| Operating Margin | 13.3% | 13.8% |
| Net Margin | 14.8% | -0.8% |
| Growth & Risk | ||
| Revenue Growth | -7.0% | 6.2% |
| Debt/Equity | 31.00 | — |
| Beta | 1.13 | 2.12 |
| Market | ||
| Market Cap | $2.06B | $2.06B |
Based on our 6-factor quantitative model, PAGS currently has the higher composite score (68.2/100, Buy) and ranks #145 in our universe. However, the "better" stock depends on your investment goals, risk tolerance, and time horizon. We recommend reviewing the full factor breakdown above before making a decision.
Our comparison analyzes six quantitative factors: Quality (profitability and business strength, 30% weight), Momentum (price trends, 25%), Value (valuation attractiveness, 15%), Investment (capital allocation, 10%), Stability (financial health, 10%), and Short Interest (institutional positioning, 10%). Each factor is scored 0-100 and combined into a composite score.
PAGS has the higher value score at 94/100 compared to PRCH at 46/100. A higher value score indicates the stock trades at a more attractive valuation relative to its earnings, book value, and cash flows.
Our stock rankings and comparisons are updated daily using the latest available market data, financial statements, and price information. Factor scores reflect the most recent quarterly filings and trailing price data.