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PicS

PICS on Nasdaq. Personal credit institutions. Market value $1.2bn.

Watch this stockFree. We tell you when something changes.

Should I look at this?

Not a fit for our list right now

Why it could be worth it

Nothing stands out yet.

What to watch out for

See Financial services stocks that passed both tests

This is not advice. Check the numbers below.

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Return on equity
Not reported

We don't have this figure for this company.

Price to book
Not reported

We don't have this figure for this company.

Earnings yield
Not reported

We don't have this figure for this company.

Quality score: not known. Price score: not known. Our list needs 70 on quality and 60 on price.

$12.46 a share, 54% above its 1-year low

Over the past year the price has ranged from $8.08 to $19.95.

Prices from Tuesday’s close (6 October).

Five years of cash, in billions

Five-year fundamentals are not available yet.

Health checks

  • Free cash flow positiveDoesn't apply to banks and insurers
  • Accounting checksDoesn't apply to banks and insurers
  • DebtDoesn't apply to banks and insurers
  • Revenue growth, five yearsUnknown

Dates

Next results (estimated)
n/a
Last annual report (10-K)
30 April 2026
Next quarterly (estimated, 10-Q)
n/a

Who owns it

None of the long-term investors we follow own it. 38 funds in all.

Jun '26
Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

5 investors own more than 5%.

  • Wesley Mendonca Batista
    Passive investor
    at least 74.5%
    (filed with 4 related holders)
    Since 31 March 2026
  • Jose Antonio Batista Costa
    Passive investor
    at least 9.9%
    (filed with 1 related holder)
    Since 31 March 2026
  • Anderson Chamon
    Passive investor
    at least 7.4%
    (filed with 1 related holder)
    Since 31 March 2026
  • Goldman Sachs Asset Management, L.P.
    Passive investor
    7.3%
    Since 30 June 2026
  • Raul Marcelo Claure
    Passive investor
    at least 5.7%
    (filed with 5 related holders)
    Since 30 January 2026

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

In the last 12 months, 4 insiders bought $4m of shares on the open market.

  • Augusto Cazotto Andre
    IR, Strategy and M&A Officer
    Bought
    Date
    11 June 2026
    Shares
    49,500
    Price
    $9.41
    Value
    $465,795
  • Batista Costa Jose Antonio
    Director
    Bought
    Date
    10 June 2026
    Shares
    18,500
    Price
    $9.47
    Value
    $175,195
  • Batista Costa Jose Antonio
    Director
    Bought
    Date
    9 June 2026
    Shares
    20,800
    Price
    $9.73
    Value
    $202,384
  • Batista Costa Jose Antonio
    Director
    Bought
    Date
    8 June 2026
    Shares
    21,130
    Price
    $9.42
    Value
    $199,045
  • Batista Costa Jose Antonio
    Director
    Bought
    Date
    5 June 2026
    Shares
    21,833
    Price
    $9.16
    Value
    $199,990
  • Pruett William Rodney
    Director
    Bought
    Date
    5 June 2026
    Shares
    25,000
    Price
    $9.10
    Value
    $227,500
  • Batista Costa Jose Antonio
    Director
    Bought
    Date
    4 June 2026
    Shares
    22,000
    Price
    $9.09
    Value
    $199,980
  • Augusto Cazotto Andre
    IR, Strategy and M&A Officer
    Bought
    Date
    31 March 2026
    Shares
    1,700
    Price
    $10.69
    Value
    $18,173
  • Chedid Simoes Eduardo
    Chief Executive Officer, Director
    Bought
    Date
    26 March 2026
    Shares
    87,505
    Price
    $11.52
    Value
    $1m
  • Augusto Cazotto Andre
    IR, Strategy and M&A Officer
    Bought
    Date
    25 March 2026
    Shares
    6,500
    Price
    $11.55
    Value
    $75,075

From Form 4 filings: insiders must report trades in their own company's shares within two days.

Warning signs in its filings

Problems the company itself reported to the SEC, in its own words.

PicS doesn’t file a US annual report (10-K), so we haven’t checked it.

A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
Create a free account to run it

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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.