PagSeguro Digital (NYSE: PAGS) files 2025 annual report and details Brazil fintech model

Rhea-AI Filing Summary

PagSeguro Digital Ltd. filed its Annual Report on Form 20-F for the fiscal year ended December 31, 2025 with the U.S. Securities and Exchange Commission. The report is available on the SEC website and PagSeguro’s investor relations website, and printed copies are offered free to shareholders on request.

The company describes itself as a financial technology provider in Brazil serving consumers and small to medium businesses through an end-to-end digital banking ecosystem. Its model spans payments, banking, cards, investments, insurance distribution, and a super app platform under the PagBank brand.

Key Terms

Form 6-K, Form 20-F, foreign private issuer, digital banking ecosystem, +2 more

6 terms

Form 6-K regulatory

"FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER"

A Form 6-K is a report that companies listed in certain countries file to provide important updates, such as financial results, corporate changes, or other significant information, to regulators and investors. It functions like an official company update or news release, helping investors stay informed about developments that could affect their investment decisions.

Form 20-F regulatory

"it filed with the U.S. Securities and Exchange Commission its Annual Report on Form 20-F"

Form 20-F is the standardized annual disclosure that non-U.S. companies must file with the U.S. securities regulator when their shares are traded in the U.S.; it contains audited financial statements, a plain-language description of the business, management discussion, governance details and key risk factors. It matters to investors because it provides a consistent, comparable company “report card” and rulebook, helping buyers assess financial health, governance and risks before investing.

foreign private issuer regulatory

"REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16"

A foreign private issuer is a company organized outside the United States that meets tests showing it is primarily foreign-controlled and therefore qualifies for a different set of U.S. reporting rules. For investors, that means the company files less frequent or differently formatted disclosures with U.S. regulators and may follow home-country accounting and governance practices, so buying its stock is like dining at a well-reviewed restaurant that follows its home kitchen’s rules instead of the local menu — you get access but should check what standards apply.

digital banking ecosystem financial

"PagSeguro’s end-to-end digital banking ecosystem enables its customers to accept a wide range"

financial technology solutions financial

"PagSeguro is a disruptive provider of financial technology solutions focused primarily on consumers"

super app technical

"Super app with a comprehensive list of partners in telecommunications, transportation, delivery, games, and entertainment"

A super app is a single mobile platform that combines many everyday services—such as messaging, payments, shopping, ride-hailing and financial tools—so users can do a lot without leaving one place. For investors it matters because a successful super app can lock in customers, spread revenue across multiple sources like a mall hosting many shops, and scale quickly as more users and services attract each other, but it also faces higher operational and regulatory risks.

Form 6-K: How Foreign Companies Report to the SEC →

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER
PURSUANT TO RULE 13a-16 OR 15d-16 UNDER
THE SECURITIES EXCHANGE ACT OF 1934

For the month of April 2026

Commission File Number: 001-38353

PagSeguro Digital Ltd.
(Name of Registrant)

Conyers Trust Company (Cayman) Limited,
Cricket Square, Hutchins Drive, P.O. Box 2681,
Grand Cayman, KY1-1111, Cayman Islands
(Address of Principal Executive Office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒ Form 40-F ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):

Yes ☐ No ☒

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

Yes ☐ No ☒

PagSeguro Files its Annual Report on Form 20-F for the Fiscal Year Ended December 31, 2025

São Paulo, April 29, 2026 – PagSeguro Digital Ltd. (NYSE: PAGS) (“PagSeguro”) announces that it filed with the U.S. Securities and Exchange Commission (the “SEC”) its Annual Report on Form 20-F for the fiscal year ended December 31, 2025.

The report is available on the SEC’s website, at www.sec.gov, and on PagSeguro’s Investor Relations website, at https://investors.pagbank.com/.

Shareholders can obtain copies of PagSeguro’s Annual Report on Form 20-F (including its audited financial statements), free of charge, by making a request within a reasonable period of time to PagSeguro’s Investor Relations Department.

About PagSeguro:

PagSeguro is a disruptive provider of financial technology solutions focused primarily on consumers, individual entrepreneurs, micro-merchants, small companies, and medium-sized companies in Brazil. Among its peers, PagSeguro is the only financial technology provider in Brazil whose business model covers all the following seven pillars:

 Complete digital platform offering payments, financial services, and software fully integrated;

 Acquirer with the most widely accepted network in Brazil, offering face-to-face, online and cross-border payments;

 Issuer of debit, credit, and prepaid cards;

 Complete multiple bank for individuals and companies with one or more account holders;

 Investment platform offering public and private securities, investment funds, and a platform for trading stocks, REITs and others;

 Insurance distribution for PIX, cards, health, home, and life; and

 Super app with a comprehensive list of partners in telecommunications, transportation, delivery, games, and entertainment.

PagSeguro is an UOL Group Company that provides an easy, safe, and hassle-free way of owning a free digital account, which is similar to a regular checking account linked to the Brazilian Central Bank's platform, with the feature of accepting payments, where its clients can transact and manage their cash, without the need to open a regular bank account. PagSeguro’s end-to-end digital banking ecosystem enables its customers to accept a wide range of online and in-person payment methods, including credit cards, debit cards, meal voucher cards, boletos, bank transfers, bank debits and cash deposits.

PagSeguro’s mission under PagBank brand, is to disrupt and democratize financial services in Brazil, a concentrated, underpenetrated, and high interest rate market, by providing an end-to-end digital banking ecosystem that is safe, affordable, simple and mobile-first for both merchants and consumers.

Contacts:

Investor Relations:

PagSeguro Digital Ltd

ir@pagbank.com

investors.pagbank.com

Media Press

+55 (11) 992-350-009

pagbank@xcombyatrevia.com

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Date: April 29, 2026

	PagSeguro Digital Ltd.
	By:	/s/ Gustavo Bahia Gama Sechin
	Name:	Gustavo Bahia Gama Sechin
	Title:	Chief Financial Officer and Chief Accounting Officer

FAQ

What does PagSeguro Digital (PAGS) announce in this Form 6-K?

PagSeguro Digital announces it has filed its Annual Report on Form 20-F for the fiscal year ended December 31, 2025. The report, including audited financial statements, is available on the SEC’s website and the company’s investor relations website for shareholder review.

How can PagSeguro (PAGS) shareholders obtain the 2025 Form 20-F report?

Shareholders can request PagSeguro’s Annual Report on Form 20-F, including audited financial statements, free of charge from the Investor Relations Department. The company will provide copies within a reasonable period, and the report is also accessible online via the SEC and PagSeguro’s investor relations website.

What is PagSeguro Digital’s core business focus in Brazil?

PagSeguro focuses on financial technology solutions for consumers, individual entrepreneurs, micro-merchants, and small to medium-sized companies in Brazil. It offers a digital account linked to the Brazilian Central Bank’s platform, enabling payments, cash management, and banking-style services without requiring a traditional bank account.

Which financial services does PagSeguro Digital (PAGS) provide?

PagSeguro offers a complete digital platform combining payments, financial services, and integrated software. Its activities include card acquiring, issuing debit, credit and prepaid cards, providing banking services for individuals and companies, investment products, insurance distribution, and a super app with partners in telecommunications, transportation, delivery, games and entertainment.

What is PagSeguro’s mission with the PagBank brand in Brazil?

Under the PagBank brand, PagSeguro’s mission is to disrupt and democratize financial services in Brazil. It targets a concentrated, underpenetrated, high interest rate market by offering an end-to-end digital banking ecosystem that is safe, affordable, simple, and mobile-first for both merchants and consumers.

Who are the primary customers of PagSeguro Digital (PAGS)?

PagSeguro primarily serves consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil. Its ecosystem lets these customers accept various payment methods, manage funds, and access banking, investment, and insurance services through a unified digital platform and super app experience.