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PICS on Nasdaq

PicS N.V.

PicS N.V. is a personal credit institutions company, listed on Nasdaq (PICS).1

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Last updated Oct 21, 2026.

Overview

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  • TickerPICS on Nasdaq1
  • IndustryPersonal Credit Institutions1
  • HeadquartersP71
  • Incorporated inNetherlands2
  • Business addressStroombaan 10, Amstelveen2
  • Filer categoryNon-accelerated filer2

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Valores Mobiliários Ltda., or “Liga Invest,” a brokerage firm and securities dealer, to PicPay Brazil for R$27.4 million.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Consumer Banking brought in 86% of the revenue PicS N.V. broke down this way in fiscal 2025.

  1. Consumer Banking10.4B BRL486%up 83% from 2024
  2. Institutional1.2B BRL410%up 921% from 2024
  3. Small And Medium Sized Businesses415.8M BRL43%up 118% from 2024
  4. Audiences And Ecosystem Integration118.2M BRL41%up 38% from 2024
Products and services by year
Products and services202320242025
Consumer Banking3.0B BRL5.7B BRL10.4B BRL
Institutional156.7M BRL114.9M BRL1.2B BRL
Small And Medium Sized Businesses133.5M BRL190.5M BRL415.8M BRL
Audiences And Ecosystem Integration87.3M BRL85.5M BRL118.2M BRL

Business segments

Reportable segments [member] brought in 54% of the revenue PicS N.V. broke down this way in fiscal 2025.

  1. Reportable segments [member]12.1B BRL454%up 99% from 2024
  2. Revenue And Financial Income Reconciliation10.3B BRL446%up 85% from 2024
Business segments by year
Business segments202320242025
Reportable segments [member]3.4B BRL6.1B BRL12.1B BRL
Revenue And Financial Income Reconciliation3.5B BRL5.6B BRL10.3B BRL

Financial statements

Every line of the income statement as filed: the last 3 fiscal years, latest first.4

Period ending2025-12-312024-12-312023-12-31
Net revenue from transaction activities and other services1.9B BRL1.5B BRL1.1B BRL
Financial income8.4B BRL4.0B BRL2.4B BRL
Total revenue and financial income10.3B BRL5.6B BRL3.5B BRL
Transaction expenses-691.2M BRL-493.7M BRL-438.5M BRL
Interest and other financial expenses-3.5B BRL-1.4B BRL-1.2B BRL
Total transaction and financial expenses-4.2B BRL-1.9B BRL-1.7B BRL
Credit loss allowance expenses-2.5B BRL-887.0M BRL-14.3M BRL
Technology expenses-502.7M BRL-508.6M BRL-312.1M BRL
Marketing expenses-494.9M BRL-333.2M BRL-312.6M BRL
Personnel expenses-1.4B BRL-1.1B BRL-879.4M BRL
Administrative expenses-444.7M BRL-234.4M BRL-136.7M BRL
Depreciation and amortization-442.8M BRL-292.9M BRL-169.8M BRL
Other expenses-58.9M BRL-33.0M BRL-4.6M BRL
Other income125.4M BRL88.2M BRL23.5M BRL
Profit before income taxes317.3M BRL346.0M BRL1.7M BRL
Current income tax and social contribution-655.5M BRL-545.6M BRL-50.8M BRL
Deferred income tax and social contribution1.5B BRL451.4M BRL86.5M BRL
Total income tax and social contribution (expense) benefit824.3M BRL-94.2M BRL35.7M BRL
Profit for the year1.1B BRL251.8M BRL37.4M BRL
Profit attributable to the Companys shareholders1.1B BRL217.6M BRL34.5M BRL
Profit attributable to non-controlling interests50.1M BRL34.2M BRL2.8M BRL
Earnings per share basic (in Brazil Real per share)5,457,000.00 BRL1,088,000.00 BRL172,615,000.00 BRL
Earnings per share diluted (in Brazil Real per share)5,457,000.00 BRL1,088,000.00 BRL172,615,000.00 BRL

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Corporate structure

PicS N.V. sits at the top of its group. 1 entity on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of PicS N.V.

  • GOLDMAN SACHS ASSET MANAGEMENT, L.P. Filed SCHEDULE 13G on PicS N.V., latest Aug 12, 2026
  • Acc Family Stichting Filed SCHEDULE 13G on PicS N.V., latest May 15, 2026
  • Jab Stichting Filed SCHEDULE 13G on PicS N.V., latest May 15, 2026
  • J&F Participacoes S.A. Filed SCHEDULE 13G on PicS N.V., latest May 15, 2026
  • Raul Marcelo Claure Filed SCHEDULE 13G on PicS N.V., latest Feb 6, 2026
  • PicS N.V. P7

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

Leadership

Who has led PicS N.V., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Simoes Eduardo Chedid2026–now

Chief financial officer

  1. Couto Rodrigo Luis Rosa2026–now
Board members and other officers (8)

Former names

  • Picpay Holdings Netherlands B.V.Mar 15, 2024 to Jan 29, 20262
  • PicS Ltd.Feb 10, 2021 to Nov 24, 20232

Timeline

  1. Mar 18, 2026New chief executive Simoes Eduardo Chedid becomes CEO5

Calendar

Coming up

  1. Nov 23, 2026Reports results for the quarter ending Sep/202614

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

51 filings to the SEC since October 2021: 1 annual reports, 20 insider forms, 5 large holders, 25 other. The latest 20:

  1. Aug 25, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  2. Aug 12, 2026SCHEDULE 13G EDGAR
  3. Aug 10, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  4. Aug 3, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  5. Jul 23, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  6. Jun 23, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  7. Jun 12, 20264 EDGAR
  8. Jun 12, 20264 EDGAR
  9. Jun 10, 20264 EDGAR
  10. Jun 10, 20264 EDGAR
  11. Jun 8, 20264 EDGAR
  12. Jun 8, 20264 EDGAR
  13. Jun 8, 20264 EDGAR
  14. Jun 4, 20266-K/A AMENDMENT NO. 1 TO FORM 6-K EDGAR
  15. Jun 3, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  16. Jun 1, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  17. May 15, 2026SCHEDULE 13G EDGAR
  18. May 15, 2026SCHEDULE 13G EDGAR
  19. May 15, 2026SCHEDULE 13G EDGAR
  20. Apr 30, 202620-F ANNUAL REPORT EDGAR

The 51 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

11 open-market trades by officers, directors and large owners since October 2021: 11 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 11, 2026Augusto Cazotto AndreIR, Strategy and M&A OfficerBuy49,500$9.41$465.8KForm 4
Jun 10, 2026Batista Costa Jose AntonioDirectorBuy18,500$9.47$175.2KForm 4
Jun 9, 2026Batista Costa Jose AntonioDirectorBuy20,800$9.73$202.4KForm 4
Jun 8, 2026Batista Costa Jose AntonioDirectorBuy21,130$9.42$199.0KForm 4
Jun 5, 2026Batista Costa Jose AntonioDirectorBuy21,833$9.16$200.0KForm 4
Jun 5, 2026Pruett William RodneyDirectorBuy25,000$9.10$227.5KForm 4
Jun 4, 2026Batista Costa Jose AntonioDirectorBuy22,000$9.09$200.0KForm 4
Mar 31, 2026Augusto Cazotto AndreIR, Strategy and M&A OfficerBuy1,700$10.69$18.2KForm 4
Mar 26, 2026Chedid Simoes EduardoChief Executive OfficerBuy87,505$11.52$1.0MForm 4
Mar 25, 2026Augusto Cazotto AndreIR, Strategy and M&A OfficerBuy6,500$11.55$75.1KForm 4
Mar 23, 2026Pruett William RodneyDirectorBuy100,000$11.80$1.2MForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

SEC filer profile

How PicS N.V. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPicS N.V.1
  • CIK0001841644
  • Filer statusNon-accelerated filer not an emerging growth company; not a shell company3
  • Incorporated inNetherlands3
  • Industry code (SIC)6141 Personal Credit Institutions1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business addressStroombaan 10, Amstelveen, Netherlands1
  • Phone55 (11) 97723-19251
  • Shares outstanding20,278,776 Class A Common Shares shares; 86,451,624 Class B Common Shares shares as of Dec 31, 20253
  • AuditorKPMG Auditores Independentes Ltda, São Paulo, Brazil PCAOB ID 1124; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceFeb 10, 20211
  • Filings55 in all: 4 (11), 3 (9), DRS/A (9), 6-K (8), SCHEDULE 13G (5), DRS (2), F-1 (2), F-1/A (2)1
    All 15 form types

    20-F (1), 424B1 (1), 6-K/A (1), 8-A12B (1), CERT (1), EFFECT (1), RW (1)

  • Latest filingsAnnual report (20-F) Apr 30, 2026

Securities registered for trading

ClassSymbolExchange
Class A common shares, each with a nominal value of EUR0.01PICSThe Nasdaq Stock Market LLC

From the cover page of the 20-F filed Apr 30, 2026 (Section 12(b) of the Exchange Act).3

Sources

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