PAGS vs. BILL
PAGS (PagSeguro Digital Ltd.) and BILL (Bill.com Holdings, Inc.) are both stocks. Both are in the Technology sector — PAGS in Software - Infrastructure, BILL in Software - Application. Over the past 5 years, PAGS returned -29.12%/yr vs -25.68%/yr for BILL. At a 0.41 correlation, their price movements are largely independent.
Performance
PAGS vs. BILL - Performance Comparison
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Returns By Period
In the year-to-date period, PAGS achieves a -8.46% return, which is significantly higher than BILL's -35.57% return.
PAGS
- 1D
- 0.00%
- 1M
- -15.46%
- YTD
- -8.46%
- 6M
- -11.93%
- 1Y
- 3.25%
- 3Y*
- -2.54%
- 5Y*
- -29.12%
- 10Y*
- —
BILL
- 1D
- -2.31%
- 1M
- -15.99%
- YTD
- -35.57%
- 6M
- -35.50%
- 1Y
- -22.97%
- 3Y*
- -32.70%
- 5Y*
- -25.68%
- 10Y*
- —
PAGS vs. BILL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
PAGS PagSeguro Digital Ltd. | -8.46% | 60.75% | -49.80% | 42.68% | -66.67% | -53.90% | 66.51% | 14.71% |
BILL Bill.com Holdings, Inc. | -35.57% | -35.62% | 3.82% | -25.12% | -56.27% | 82.53% | 258.74% | 7.18% |
Correlation
The correlation between PAGS and BILL is 0.23, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.23 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.28 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.41 |
Correlation (All Time) Calculated using the full available price history since Dec 13, 2019 | 0.41 |
The correlation between PAGS and BILL shifts across timeframes, from 0.23 (1 year) to 0.41 (all time), reflecting how their relationship changes across market environments.
Fundamentals
PAGS:
$2.41B
BILL:
$3.60B
PAGS:
$7.31
BILL:
$0.00
PAGS:
1.17
BILL:
22.03K
PAGS:
0.13
BILL:
2.24
PAGS:
0.17
BILL:
0.95
PAGS:
$19.80B
BILL:
$1.60B
PAGS:
$10.13B
BILL:
$1.29B
PAGS:
$9.32B
BILL:
$68.77M
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Return for Risk
PAGS vs. BILL — Risk / Return Rank
PAGS
BILL
PAGS vs. BILL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for PagSeguro Digital Ltd. (PAGS) and Bill.com Holdings, Inc. (BILL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| PAGS | BILL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.43 | ||
| Sortino ratioReturn per unit of downside risk | +0.67 | ||
| Omega ratioGain probability vs. loss probability | 1.05 | 0.97 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 0.12 | -0.60 | +0.72 |
| Martin ratioReturn relative to average drawdown | 0.26 | -1.21 | +1.47 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| PAGS | BILL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.07 | -0.37 | +0.43 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.48 | -0.37 | -0.11 |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.21 | -0.00 | -0.21 |
Drawdowns
PAGS vs. BILL - Drawdown Comparison
The maximum PAGS drawdown since its inception was -90.00%, roughly equal to the maximum BILL drawdown of -89.86%. Use the drawdown chart below to compare losses from any high point for PAGS and BILL.
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Drawdown Indicators
| PAGS | BILL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.00% | -89.86% | -0.14% |
Max Drawdown (1Y)Largest decline over 1 year | -27.21% | -38.38% | +11.17% |
Max Drawdown (3Y)Largest decline over 3 years | -57.60% | -74.39% | +16.79% |
Max Drawdown (5Y)Largest decline over 5 years | -89.84% | -89.86% | +0.02% |
Current DrawdownCurrent decline from peak | -85.12% | -89.73% | +4.61% |
Average DrawdownAverage peak-to-trough decline | -55.44% | -54.64% | -0.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.67% | 18.99% | -6.32% |
Volatility
PAGS vs. BILL - Volatility Comparison
The current volatility for PagSeguro Digital Ltd. (PAGS) is 16.49%, while Bill.com Holdings, Inc. (BILL) has a volatility of 19.40%. This indicates that PAGS experiences smaller price fluctuations and is considered to be less risky than BILL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PAGS | BILL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.49% | 19.40% | -2.91% |
Volatility (6M)Calculated over the trailing 6-month period | 33.87% | 49.73% | -15.86% |
Volatility (1Y)Calculated over the trailing 1-year period | 49.36% | 63.24% | -13.88% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 61.38% | 70.44% | -9.06% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 61.11% | 73.01% | -11.90% |
Dividends
PAGS vs. BILL - Dividend Comparison
PAGS's dividend yield for the trailing twelve months is around 7.27%, while BILL has not paid dividends to shareholders.
| Position | TTM | 2025 |
|---|---|---|
BILL Bill.com Holdings, Inc. | 0.00% | 0.00% |
PAGS PagSeguro Digital Ltd. | 7.27% | 3.94% |
Financials
PAGS vs. BILL - Financials Comparison
This section allows you to compare key financial metrics between PagSeguro Digital Ltd. and Bill.com Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
PAGS vs. BILL - Profitability Comparison
PAGS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PagSeguro Digital Ltd. reported a gross profit of 2.40B and revenue of 4.69B. Therefore, the gross margin over that period was 51.2%.
BILL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported a gross profit of 331.85M and revenue of 406.56M. Therefore, the gross margin over that period was 81.6%.
PAGS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PagSeguro Digital Ltd. reported an operating income of 1.75B and revenue of 4.69B, resulting in an operating margin of 37.3%.
BILL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported an operating income of 96.41M and revenue of 406.56M, resulting in an operating margin of 23.7%.
PAGS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PagSeguro Digital Ltd. reported a net income of 535.32M and revenue of 4.69B, resulting in a net margin of 11.4%.
BILL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported a net income of 12.79M and revenue of 406.56M, resulting in a net margin of 3.1%.
Frequently Asked Questions
PAGS and BILL have a correlation of 0.23, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
BILL has higher volatility (19.40%) compared to PAGS (16.49%). In terms of maximum drawdown, PAGS dropped -90.00% vs BILL's -89.86%.
PAGS currently has the higher Sharpe Ratio (0.07 vs -0.37), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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