PicS N.V.
PICS Nasdaq· Personal Credit Institutions
Last close · Oct 26, 2026
$8.78
KIRA · Stoqly’s AI analyst, in plain words
- PicS N.V. had $1.8B of revenue in fiscal 2025, up 77.8% on the year before.
- Its operating margin was 0.4%, down 0.3 pts: of every 100 in sales, about 0 is left after running the business.
- PicS N.V. lost $195M in fiscal 2025. From fiscal 2023 to 2025, diluted EPS grew −83.2% a year.
- Free cash flow was −$681M in fiscal 2025, −37.0% of revenue.
Market cap
$0.0M
P/E
0.0x
Revenue
$1.8B
Net income
−$195M
Free cash flow
−$681M
Operating margin
0.4%
PicS N.V. in 30 seconds · fiscal 2025
Are sales growing?
+77.8%
Yes. Sales grew 77.8% last year.
Does it make a profit?
−10.6%
No. It lost money last year.
Does profit turn into cash?
−37.0%
No. It spent more cash than it brought in.
What PicS N.V. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 30, 2026
- Legal name
- PicS N.V.
- CIK
- 0001841644
PicS N.V. · PICS
Results and finances
The last 3 fiscal years. Amounts in USD.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Sales and profit | |||
| Revenue | $692M | $1.0B | $1.8B |
| Revenue growth | — | 49.3% | 77.8% |
| Net interest income | −$243M | −$267M | −$626M |
| Operating margin | 0.2% | 0.6% | 0.4% |
| Net income | −$6.9M | −$40.4M | −$195M |
| Net margin | −1.0% | −3.9% | −10.6% |
| Diluted EPS | $34,559,341.82 | $201,907.25 | $976,088.33 |
| Cash | |||
| Cash from operations | $314M | $425M | −$669M |
| Capital expenditure | $0.9M | $11.3M | $12.1M |
| Free cash flow | $313M | $414M | −$681M |
| FCF margin | 45.2% | 40.0% | −37.0% |
| Share count change | — | 0.0% | 0.0% |
| Debt and strength | |||
| Cash and short-term investments | $1.5B | $1.2B | $705M |
| Shareholders' equity | $248M | $285M | $710M |
| Interest coverage | 0.0x | 0.0x | 0.0x |
| Returns and quality | |||
| Return on equity | −2.8% | −15.1% | −39.2% |
| Return on tangible equity | −7.7% | −29.9% | −38.9% |
Insiders bought, 12 months
$4.0M
4 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
PicS N.V. · PICS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $8.78 a share, the company is worth $0.0M.
Source: SEC EDGAR XBRL filings (CIK 0001841644). Data updated October 24, 2026. Filed in BRL under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.