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CSU Digital S.A. (CSUD3.SA)

BRL14.85 -0.14 (-0.93%)
BR SAO Technology Software - Infrastructure
Address Rua PiauI, 136 06440-182
Barueri, SP, BR
CEO Marcos Ribeiro Leite
IPO 2003-09-15
ISIN BRCSUDACNOR5

Explore sections of this company profile

Also trades on B3 S.A. · CARD3.SA (BRL) B3 S.A. · CSUD3.SA (BRL)
Description

CSU Digital S.A. is a Brazilian fintech specializing in comprehensive digital solutions for the financial services sector. The company delivers offerings across payments, embedded finance, customer experience, and loyalty and incentive programs. Its operations are structured around two core segments: CSU Pays and CSU DX. The CSU Pays segment concentrates on digital payment solutions, loyalty schemes, and embedded financial services, encompassing credit, debit, digital, and virtual card processing for both issuers and acquirers, alongside digital wallets, instant payment systems, and cryptocurrency services. The CSU DX segment is dedicated to crafting advanced digital experience solutions, emphasizing technologically sophisticated and complex projects that deliver significant added value. Beyond these primary areas, CSU Digital provides a suite of complementary services, including the development and operational management of customer relationship and acquisition programs, electronic transaction services for businesses, IT outsourcing, and banking correspondent services for financial institutions. Its capabilities further extend to managing and operating telemarketing and telesales contact centers, conducting credit analysis, processing electronic payment transactions, and overseeing credit card administration, issuance, and payment account management solutions. Established in 1992, the company rebranded from CSU CardSystem S.A. to CSU Digital S.A. in August 2022. Headquartered in Barueri, Brazil, it operates as a subsidiary of Greeneville Delaware LLC.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
BRL14.85 -0.14 (-0.93%)
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Volume Profile
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Liquidity & share structure
Average Volume
100.6K
Beta
0.14
Float Shares
13.30M
Free Float %
32.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.08% -1.42% +1.89% -9.13% -12.05% -1.01% -6.33% +23.58% -31.28% +302.89% +167,100.00%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
14.85
DCF (Unlevered) 73.11 +392.3%
DCF (Levered) 54.80 +269.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2022-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
2.46
Grey zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
5 / 10
Developing
Composite Rating
A+
Overall Score
5 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • Revenue growth Software - Infrastructure: +13.7%
    +21.3% Q1'26: +11.0% (vs Q1'25)
  • EPS growth Software - Infrastructure: +28.7%
    +74.2% Q1'26: -16.9% (vs Q1'25)
  • FCF margin FCF growth · Software - Infrastructure: +32.2%
    +14.9% Q1'26: +17.2% (vs Q1'25)
  • EBIT margin Software - Infrastructure: +8.8%
    +18.9% Q1'26: +18.8% (vs Q1'25)
  • ROIC Software - Infrastructure: +6.6%
    +21.9% Q1'26: +16.8% (vs Q1'25)
  • Share dilution Software - Infrastructure: +0.0%
    +0.8% Q1'26: +0.2% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Software - Infrastructure: -1.06×
    0.69× Q1'26: 0.77× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.14) × ERP
WACC = 85% × Ke + 15% × Kd (5.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 72.48 Current price: 14.85
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-12 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-06-11 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-06-10 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-06-09 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-06-08 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-06-05 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-06-03 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-06-02 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-06-01 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-28 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-27 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-26 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-25 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-22 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-21 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-20 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-19 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-18 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-15 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-14 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-13 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-12 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-11 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-08 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-07 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-06 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-05 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-05-04 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-04-30 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5
2026-04-29 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-28 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-27 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-24 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-23 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-22 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-20 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-17 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-04-16 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
89.16M
OE per share TTM
2.17
Owner's Yield
13.11%
Maintenance CapEx ratio
92.88%
Maint CapEx / Avg PPE
15.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 3 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 67.9K 0.39%
2 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 50.5K 0.28%
3 Dimensional - Emerging Core Equity Market ETF DFAE 0.00% 277.79 0.29%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
26.8K
Shares Outstanding
41.35M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Andre Pereira Lapola CFO & Investor Relations Officer male
Andre Victor Vicentini de Oliveira Controllership Director & Member of Management Board male
Auziane Moraes Director of Products & Marketing
Fabiano Agante Droguetti Chief Information Technology Officer & Member of the Executive Board male
Jefferson Ferreira Pedrosa Chief Technology & Operations Officer male
João Carlos Matias Member of Audit committee male
Marcos Ribeiro Leite Founder, CEO, Member of Executive Board & Director male
Sergio Pereira da Trindade Senior Controllership Manager & Member of Management Board male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings reports

Stock splits