15 Software Infrastructure Stocks Outperforming In 2025

11. PagSeguro Digital Ltd (NYSE:PAGS)

PagSeguro Digital Ltd is a payment and financial solutions provider to micro-merchants, consumers, small and medium-sized companies, and individual entrepreneurs. The company offers cards, credit products, and digital banking solutions. It also provides investment services, research services, and insurance services.

The company’s stock is down 42% in a year. But there is reason to believe it bottomed out late last year and is well on its way to recovery, as shown by a 16% YTD performance. It increased its total payment volumes by 37% resulting in a bottomline improvement of 30%. This is a considerable improvement considering transaction volumes drive 55% of their total revenue.

After completing a $250 million buyback in 2024, the company continued with its shareholder-friendly approach announcing another $200 million worth of buybacks. This may be beneficial for shareholders but analysts are warning about other headwinds. Citi Research for instance downgraded the stock from Buy to Neutral last month. Citi analysts believe the rising interest rates in the country are going to cause significant headwinds for fintech companies. BofA analysts had a similar view in December, citing slower GDP in addition to the rising interest rates, which the bank sees staying at elevated levels for longer than anticipated.