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B3 · BRL

CSUD3

CSU Digital SA

R$15.44+0.13% (R$0.02)
Day's range
R$15.18 – R$15.60
Day's volume
R$1.1m
52-week range
R$12.77 – R$20.66

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See how CSUD3 weighs in your net worth, what it has paid you and how far it is from your target allocation.

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CSUD3 in numbers

Market cap
R$642.9m
P/E
6.58
P/B
1.31
Dividend yield (12m)
15.24%
Net debt/EBITDA
0.39

The 12-month dividend yield of CSUD3 is 15.24%, above its 5-year average of 8.28%.

CSUD3 price history

01/10/202501/10/2026
Compare with

CSUD3 risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return-3.17%+22.37%+33.49%
Volatility (annualised)27.47%23.90%30.18%
Largest drawdown-27.15%-27.15%-37.43%
Positive months5/1220/3632/60

How much did investing in CSUD3 return?

R$1,000.00 invested on 01/10/2021 would be worth R$1,343.65 today.

Value today in CSUD3
R$1,343.65
Return over the period
+34.37%
Return per year
+6.09%
In the Ibovespa
R$1,809.10

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

CSUD3 fundamentals

Valuation

  • P/E
    6.58
  • P/B
    1.31
  • EV/EBITDA
    4.13
  • EV/EBIT
    6.69
  • EV/Revenue
    1.07
  • P/EBIT
    6.05
  • P/S
    0.97
  • P/OCF
    5.01
  • P/FCF
    16.21
  • Earnings yield
    14.94%
  • PEG ratio
    1.10
  • Earnings per share
    R$2.35
  • Book value per share
    R$11.75

Debt

  • Net debt
    R$67.9m
  • Net debt/EBITDA
    0.39
  • Net debt/Equity
    0.14
  • Debt/Equity
    0.29
  • Current ratio
    1.20
  • Quick ratio
    1.19
  • Cash ratio
    0.33

Efficiency

  • Gross margin
    42.08%
  • EBITDA margin
    26.01%
  • Operating margin
    16.06%
  • Net margin
    14.84%
  • Asset turnover
    0.80

Profitability

  • ROE
    19.98%
  • ROA
    11.92%
  • ROIC
    17.47%
  • Payout
    100.22%

Growth

  • Revenue CAGR (5 years)
    6.39%
  • Earnings CAGR (5 years)
    12.69%
  • Revenue growth (year)
    9.85%
  • Earnings growth (year)
    16.31%
  • Revenue growth (quarter)
    11.74%
  • Earnings growth (quarter)
    5.98%

What is CSUD3's fair price?

Two classic value formulas, with today's numbers. The current price is R$15.44.

Graham's fair price
R$24.91
61.36% above the price

√(22.50 × R$2.35 × R$11.75)

Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.

Bazin's ceiling price
R$22.25
44.10% above the price

R$1.33 (5-year average) ÷ 6%

Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.

Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.

CSUD3 indicators by year

Multiples at each year's closing price; margins and returns from that year's accounts.

Indicator20252024202320222021202020192018
P/E6.687.069.256.938.8713.4819.108.78
P/B1.521.351.911.341.562.161.991.20
EV/EBITDA4.333.214.473.073.685.205.813.85
Dividend yield17.50%5.89%7.89%6.62%3.51%1.70%2.01%6.36%
Earnings per shareR$2.54R$2.18R$2.12R$1.76R$1.45R$1.12R$0.64R$0.78
Book value per shareR$11.13R$11.41R$10.27R$9.14R$8.20R$6.99R$6.15R$5.76
ROE22.80%19.11%20.59%19.27%17.65%16.01%10.43%13.62%
ROIC20.92%20.51%21.04%19.98%17.80%14.84%10.14%13.26%
Gross margin41.35%42.17%39.40%37.50%32.30%29.72%25.21%24.11%
EBITDA margin28.02%33.89%34.22%30.92%29.47%28.63%23.89%19.41%
Net margin17.01%16.06%16.68%13.70%11.77%10.24%6.19%7.81%
Net debt/EBITDA0.27-0.13-0.04-0.000.140.380.860.32

CSUD3 financial statements

Line202520242023202220212020
Net revenueR$623.5mR$567.6mR$530.2mR$537.2mR$514mR$456.8m
Cost of sales-R$365.7m-R$328.2m-R$321.3m-R$335.7m-R$348m-R$321.1m
Gross profitR$257.9mR$239.4mR$208.9mR$201.4mR$166mR$135.8m
EBITDAR$174.7mR$192.4mR$181.4mR$166.1mR$151.5mR$130.8m
EBITR$112.6mR$130.7mR$117.5mR$104.5mR$91.6mR$70.9m
Net finance result-R$1.3m-R$2m-R$700k-R$3.5m-R$6m-R$5.5m
Profit before taxR$111.3mR$128.7mR$116.8mR$101mR$85.6mR$65.4m
Income tax-R$5.2m-R$37.5m-R$28.4m-R$27.4m-R$25.1m-R$18.6m
Net incomeR$106.1mR$91.2mR$88.4mR$73.6mR$60.5mR$46.8m

Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.

CSUD3 against its sector

The same indicators for the company's other shares and the sector's largest stocks.

StockP/EP/BDividend yield (12m)ROEMarket cap
CSUD3Csu Digital6.581.3115.24%19.98%R$642.9m
GGPS3GPS PARTICIPACOES E EMPREENDIMENTOS S.A.10.312.102.59%20.36%R$9.4bn
TTEN3TRÊS TENTOS AGROINDUSTRIAL S/A8.841.041.76%11.76%R$5.2bn
COGN3COGNA EDUCAÇÃO S.A.0.890.055.56%5.11%R$4.8bn
OPCT3OCEANPACT SERVICOS MARITIMOS S.A.25.454.121.08%16.19%R$4.3bn
YDUQ3YDUQS PARTICIPACOES S.A.26.271.025.23%3.89%R$3bn
VTRU3VITRU EDUCAÇÃO S.A2.070.560.17%27.23%R$2.3bn

Does CSUD3 pay dividends?

Announced payments
TypeLast day to ownPaymentPer share
Interest on equity02/10/202614/10/2026R$0.41

Dividend yield per year

  • 3.44%2017
  • 6.36%2018
  • 2.01%2019
  • 1.70%2020
  • 3.51%2021
  • 6.62%2022
  • 7.89%2023
  • 5.89%2024
  • 17.50%2025
  • 2.23%2026
Payment history
TypeLast day to ownPaymentPer share
Interest on equity02/07/202614/07/2026R$0.17
Interest on equity02/04/202615/04/2026R$0.17
Interest on equity19/12/202530/12/2025R$0.63
Dividend19/12/202530/12/2025R$1.21
Interest on equity02/10/202515/10/2025R$0.17
Interest on equity30/06/202515/07/2025R$0.17
Dividend30/04/202515/05/2025R$0.44
Interest on equity03/04/202515/04/2025R$0.17
Interest on equity20/12/202406/01/2025R$0.18
Interest on equity27/09/202409/10/2024R$0.17
Interest on equity28/06/202411/07/2024R$0.16
Dividend29/04/202409/05/2024R$0.42
See all 50 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Interest on equity22/03/202404/04/2024R$0.16
Interest on equity15/12/202328/12/2023R$0.18
Interest on equity26/09/202306/10/2023R$0.17
Interest on equity23/06/202317/07/2023R$0.16
Dividend28/04/202317/05/2023R$0.35
Interest on equity22/03/202315/04/2023R$0.15
Interest on equity02/01/202316/01/2023R$0.16
Interest on equity30/09/202216/01/2023R$0.16
Interest on equity21/06/202216/01/2023R$0.13
Interest on equity11/03/202216/01/2023R$0.10
Dividend22/04/202203/05/2022R$0.39
Interest on equity17/12/202114/01/2022R$0.10
Interest on equity24/09/202114/01/2022R$0.10
Dividend25/06/202114/01/2022R$0.07
Interest on equity25/06/202114/01/2022R$0.07
Interest on equity05/03/202114/01/2022R$0.07
Dividend16/04/202127/04/2021R$0.15
Interest on equity04/12/202014/01/2021R$0.11
Interest on equity29/09/202014/01/2021R$0.07
Interest on equity26/06/202014/01/2021R$0.06
Interest on equity13/03/202014/01/2021R$0.05
Interest on equity06/12/201906/01/2020R$0.10
Interest on equity13/09/201906/01/2020R$0.05
Interest on equity24/06/201906/01/2020R$0.10
Interest on equity07/12/201815/02/2019R$0.25
Dividend23/04/201806/06/2018R$0.10
Interest on equity11/12/201728/02/2018R$0.33
Dividend28/04/201731/05/2017R$0.03
Interest on equity21/12/201630/01/2017R$0.31
Interest on equity28/12/201525/05/2016R$0.17
Interest on equity18/12/201419/06/2015R$0.09
Dividend30/04/201418/06/2014R$0.00
Interest on equity20/12/201207/01/2013R$0.17
Interest on equity14/12/201113/01/2012R$0.16
Interest on equity14/12/201113/01/2012R$1.63
Dividend26/04/201126/05/2011R$0.17
Interest on equity23/12/201014/01/2011R$0.16
Dividend10/05/201015/06/2010R$0.06

About Csu Digital

Sector
Serviços Financeiros
Segment
Serviços Financeiros Diversos
Listing segment
Novo Mercado
Tag along
100.00%
Free float
44.44%
Shares issued
41.8m ordinary
Average daily trading
R$787.7k
Listed since
02/05/2006
CNPJ
01.896.779/0001-38

A CSU Digital S.A. fornece infraestrutura tecnológica e serviços para o ecossistema de meios de pagamento, crédito, atendimento e relacionamento com clientes. A companhia opera plataformas de processamento de cartões e transações, soluções de customer experience e ferramentas digitais para empresas de setores como financeiro, varejo, telecom e serviços. A geração de receita ocorre por contratos corporativos com cobrança recorrente e por volume processado em determinadas linhas. No mercado brasileiro de serviços financeiros e tecnologia aplicada a pagamentos, a empresa atua como provedora B2B de back office e operação crítica, com foco em disponibilidade, segurança e escalabilidade transacional. A estrutura operacional combina tecnologia proprietária, centros de atendimento e integração com parceiros do sistema financeiro, suportando emissões, adquirência, cobrança, prevenção a fraude e serviços de fidelização para grandes contas empresariais.

Investor website
ShareholdersAs of 31/12/2026, from the Formulário de Referência filed with the CVM.
ShareholderOrdinaryPreferredTotal
Greeneville Delaware LLC.Controlling36.81%0.00%36.81%
Greeneville Delaware LLCControlling17.24%0.00%17.24%
MARCOS RIBEIRO LEITEControlling0.33%0.00%0.33%
ADMINISTRADORES0.11%0.00%0.11%
Outros44.44%0.00%44.44%
Ações Tesouraria1.08%0.00%1.08%

Questions about CSUD3

How much is CSUD3 today?

CSUD3 is at R$15.44 (0.13% on the day), last traded on 01/10/2026.

How much did CSUD3 pay in dividends in 2025?

CSUD3 paid R$2.97 per share in 2025, a dividend yield of 17.50%.

When is the next CSUD3 dividend?

The next announced payment is R$0.41 per share on 14/10/2026.

What are the P/E and P/B of CSUD3?

CSUD3 trades at a P/E of 6.58 and a P/B of 1.31.

How much did CSUD3 return in 12 months?

CSUD3 returned -3.17% in 12 months, with annualised volatility of 27.47% and a largest drawdown of -27.15%.

What sector is CSUD3 in?

Csu Digital is in the Serviços Financeiros sector, Serviços Financeiros Diversos segment.