COMPARE · Data as of August 21, 2026
INTU vs PAGS
Verdict: Side-by-side breakdown using the Bull Rankings model. INTU scored 85.0, PAGS scored 79.4 — INTU leads.
Compare another set
INTU
Intuit Inc.
85
$370.56 · $101.4B
fundamentals as of
Score gap
5.6
INTU leads
PAGS
PagSeguro Digital Ltd.
79.4
$8.76 · $2.4B
At a glance · who leads each dimension, on the model's own rules
- CheapestPAGS6.0x
- Fastest growthPAGS+17.9%
- Strongest balance sheetPAGS0.12
- Highest qualityINTU86 / 100
- Largest discount to fair valuePAGS-83%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
INTU
stronger →← stronger
PAGS
86
Qualityreturns · margins · balance sheet
80
90
Growthrevenue & earnings expansion
93
80
Valuevaluation vs sector peers
92
PAGS is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
INTU
PAGS
$7.8bB+
FCF
$981mC+
+15.1%B+
Rev
+17.9%B+
0.33B
D/E
0.12B+
22.6xB+
P/E
6.0xA
0.94B+
PEG
0.52A-
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
INTU
PAGS
33% below
Price vs fair valuelower is cheaper
83% below
~-1%/yr
Growth the price implies10-yr FCF · lower = less priced in
decline
+29%
1-yr DCF upside
+431%
+50%
5-yr DCF upside
+488%
+85%
10-yr DCF upside
+578%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
INTU
Why this score
- Raising its dividend
PAGS
Why this score
- Foreign reporter (BRL)
The companies
INTUIntuit Inc.
Why now
Software - Application · market cap $101.4b. Down 47% from 52-week high of $705.08 — deep drawdown territory. Revenue growing +15%, comfortably above the S&P median. PEG 0.94 — paying under fair value for the growth rate. 33 sell-side analysts rate this a Buy with a mean 1-yr target of $446.02 (implying +20% upside).
Moat
Net margin 22% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 169% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 47% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
PAGSPagSeguro Digital Ltd.
Why now
Software - Infrastructure · market cap $2.4b. Down 29% from 52-week high of $12.32 — deep drawdown territory. Revenue growing +18%, comfortably above the S&P median. PEG 0.52 — paying under fair value for the growth rate. 15 sell-side analysts rate this a Buy with a mean 1-yr target of $11.59 (implying +32% upside).
Moat
ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where INTU and PAGS diverge
On the headline score the gap is 5.6 points in favor of INTU. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- ValueINTU 80.1 · PAGS 92.0PAGS +11.9
- QualityINTU 85.6 · PAGS 80.0INTU +5.6
- GrowthINTU 89.6 · PAGS 93.1PAGS +3.5
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.