Create a free account

B3 · BRL

CSUD3

CSU Digital SA

R$15.42+5.54% (R$0.81)
Day's range
R$14.78 – R$15.55
Day's volume
R$2M
52-week range
R$12.77 – R$20.66

Follow CSUD3 in the Fuolio

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

Create a free account

CSUD3 in numbers

Market cap
R$644.6M
P/E
6.57
P/B
1.31
Dividend yield (12m)
15.26%
Net debt/EBITDA
0.39

The 12-month dividend yield of CSUD3 is 15.26%, above its 5-year average of 8.28%.

CSUD3 price history

10/01/202509/30/2026
Compare with

CSUD3 risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return-2.66%+23.01%+34.19%
Volatility (annualized)27.72%23.99%30.22%
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 09/01/2021 would be worth R$1,034.93 today.

Value today in CSUD3
R$1,034.93
Return over the period
+3.49%
Return per year
+0.69%
In the Ibovespa
R$1,657.66

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

CSUD3 fundamentals

Valuation

  • P/E
    6.57
  • P/B
    1.31
  • EV/EBITDA
    4.14
  • EV/EBIT
    6.71
  • EV/Revenue
    1.08
  • P/EBIT
    6.07
  • P/S
    0.97
  • P/OCF
    5.02
  • P/FCF
    16.25
  • Earnings yield
    14.91%
  • PEG ratio
    1.04
  • 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$15.42.

Graham's fair price
R$24.91
61.57% 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
44.29% above the price

R$1.33 (5-year average) ÷ 6%

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

Graham ignores growth and debt; Bazin assumes past distributions repeat. They are references to compare, not a buy recommendation.

CSUD3's indicators by year

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

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's financial statements

Line202520242023202220212020
Net revenueR$623.5MR$567.6MR$530.2MR$537.2MR$514MR$456.8M
Cost of revenue-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
Financial result-R$1.3M-R$2M-R$700K-R$3.5M-R$6M-R$5.5M
Income 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 Digital6.571.3115.26%19.98%R$644.6M
GGPS3GPS PARTICIPACOES E EMPREENDIMENTOS S.A.10.212.082.62%20.36%R$9.3B
TTEN3TRÊS TENTOS AGROINDUSTRIAL S/A8.681.021.79%11.76%R$5.1B
COGN3COGNA EDUCAÇÃO S.A.0.860.045.76%5.11%R$4.6B
OPCT3OCEANPACT SERVICOS MARITIMOS S.A.24.623.991.12%16.19%R$4.1B
YDUQ3YDUQS PARTICIPACOES S.A.26.891.055.11%3.89%R$3.1B
VTRU3VITRU EDUCAÇÃO S.A2.060.560.17%27.23%R$2.3B

Does CSUD3 pay dividends?

Announced payments
TypeLast day to ownPaymentPer share
Interest on equity10/02/202610/14/2026R$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 equity07/02/202607/14/2026R$0.17
Interest on equity04/02/202604/15/2026R$0.17
Interest on equity12/19/202512/30/2025R$0.63
Dividend12/19/202512/30/2025R$1.21
Interest on equity10/02/202510/15/2025R$0.17
Interest on equity06/30/202507/15/2025R$0.17
Dividend04/30/202505/15/2025R$0.44
Interest on equity04/03/202504/15/2025R$0.17
Interest on equity12/20/202401/06/2025R$0.18
Interest on equity09/27/202410/09/2024R$0.17
Interest on equity06/28/202407/11/2024R$0.16
Dividend04/29/202405/09/2024R$0.42
See all 50 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Interest on equity03/22/202404/04/2024R$0.16
Interest on equity12/15/202312/28/2023R$0.18
Interest on equity09/26/202310/06/2023R$0.17
Interest on equity06/23/202307/17/2023R$0.16
Dividend04/28/202305/17/2023R$0.35
Interest on equity03/22/202304/15/2023R$0.15
Interest on equity01/02/202301/16/2023R$0.16
Interest on equity09/30/202201/16/2023R$0.16
Interest on equity06/21/202201/16/2023R$0.13
Interest on equity03/11/202201/16/2023R$0.10
Dividend04/22/202205/03/2022R$0.39
Interest on equity12/17/202101/14/2022R$0.10
Interest on equity09/24/202101/14/2022R$0.10
Dividend06/25/202101/14/2022R$0.07
Interest on equity06/25/202101/14/2022R$0.07
Interest on equity03/05/202101/14/2022R$0.07
Dividend04/16/202104/27/2021R$0.15
Interest on equity12/04/202001/14/2021R$0.11
Interest on equity09/29/202001/14/2021R$0.07
Interest on equity06/26/202001/14/2021R$0.06
Interest on equity03/13/202001/14/2021R$0.05
Interest on equity12/06/201901/06/2020R$0.10
Interest on equity09/13/201901/06/2020R$0.05
Interest on equity06/24/201901/06/2020R$0.10
Interest on equity12/07/201802/15/2019R$0.25
Dividend04/23/201806/06/2018R$0.10
Interest on equity12/11/201702/28/2018R$0.33
Dividend04/28/201705/31/2017R$0.03
Interest on equity12/21/201601/30/2017R$0.31
Interest on equity12/28/201505/25/2016R$0.17
Interest on equity12/18/201406/19/2015R$0.09
Dividend04/30/201406/18/2014R$0.00
Interest on equity12/20/201201/07/2013R$0.17
Interest on equity12/14/201101/13/2012R$0.16
Interest on equity12/14/201101/13/2012R$1.63
Dividend04/26/201105/26/2011R$0.17
Interest on equity12/23/201001/14/2011R$0.16
Dividend05/10/201006/15/2010R$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 common
Average daily trading
R$803K
Listed since
05/02/2006
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 12/31/2026, from the Formulário de Referência filed with the CVM.
ShareholderCommonPreferredTotal
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$15.42 (5.54% on the day), last traded on 09/30/2026.

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 10/14/2026.

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

CSUD3 trades at a P/E of 6.57 and a P/B of 1.31.

How much did CSUD3 return in 12 months?

CSUD3 returned -2.66% in 12 months, with annualized volatility of 27.72% and a largest drawdown of -27.15%.

What sector is CSUD3 in?

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