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CSU Digital S.A. (CSUD3) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of CSU Digital S.A. BRL 21.89, price BRL 13.80, upside +58.6%, quality 67 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Technology · BR · ISIN BRCSUDACNOR5

CD Broad data Sep 24, 2026

CSU Digital S.A.

CSUD3 · SA

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value R$21.89 · Strongly undervalued (+59%)
✓Quality 67/100
!Mixed Growth (revenue 5y +6.4 %/yr)
✓Solidly profitable · 15.9% net margin (TTM)
✓Low debt · generates free cash flow
·17.05% dividend yield
✓Ranks above peers (14/15)
✓Wide moat 65/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

R$19.14 R$6.61 Fair Value R$21.89 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range R$6.61 – R$19.14 · fair‑value band R$14.63 – R$32.91 · the R$13.80 price screens below the R$21.89 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

CSU Digital S.A., a technology company for financial services, provides digital solutions for payments, embedded finance, customer experience, and loyalty and incentive programs in Brazil. The company operates through two segments: CSU Pays and CSU DX.

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CSU Digital S.A., a technology company for financial services, provides digital solutions for payments, embedded finance, customer experience, and loyalty and incentive programs in Brazil. The company operates through two segments: CSU Pays and CSU DX. The CSU Pays segment encompasses solutions in digital payments, loyalty and incentives, and embedded finance, including card processing for issuers and acquirers in the credit, debit, digital, and virtual modalities; the offer of digital wallets, instant payments, and cryptocurrencies; and others. The CSU DX segment focuses on the development of digital experience solutions with technological and digital density, directing efforts to projects with added value and complexity. The company also provides development and operational management relationship and customer acquisition programs; electronic transaction services for companies; information technology outsourcing services; and banking correspondent services to financial institutions. In addition, it manages and operates telemarketing and telesales contact centers, and credit analysis; captures electronic transactions as means of payment; and develops credit card administration and issuance activities, as well as payment account management solutions and activities. CSU Digital S.A.was formerly known as CSU CardSystem S.A. and changed its name to CSU Digital S.A. in August 2022. The company was founded in 1992 and is headquartered in Barueri, Brazil. CSU Digital S.A. is a subsidiary of Greeneville Delaware LLC.

Stock analysis

CSU Digital S.A. (CSUD3) currently trades at R$13.80, while our model-based Fair Value estimate is R$21.89, implying the stock looks roughly 37.0% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of R$29.03 per share, and 10 of the 13 models we run sit above the R$13.80 price.

Bear case: the Asset-Based group reads lowest at R$7.54, and 3 of the 13 models stay below the price. Evidence for this calculation is high.

Scenario range: R$14.63 (bear) to R$32.91 (bull), the price of R$13.80 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 67/100 (solid quality), in the Technology sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

CSU Digital S.A. reported revenue of R$624M in FY2025 versus R$514M in FY2021, a compound +4.9%/yr. Reported net income was R$106M in FY2025, compounding +15.1%/yr from FY2021.

Key figures

Market cap R$571M (≈ $111M) · P/E ratio 5.6 · P/S ratio 0.95 · EPS (TTM) R$2.47 · Net margin 17.0% · Return on equity 20.9% · Return on assets (EBIT) 17.3% · Operating margin 15.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 28% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −19% fair-value upside, at 59%, CSUD3 screens cheaper than that median.

Fair Value models

Bear R$14.63 Fair Value R$21.89 Bull R$32.91
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$0.0859 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF R$11.86 R$17.13 R$23.78 79
Owner Earnings R$19.51 R$29.03 R$41.77 76
Rev-Margin DCF R$16.60 R$28.30 R$42.52 71
All 13 models by family
DCF Models
Owner Earnings R$19.51 R$29.03 R$41.77 76
5Y P/E Exit R$17.83 R$30.93 R$45.28 70
10Y P/E Exit R$15.04 R$24.76 R$37.55 63
Earnings-Based
Graham-Dodd R$17.44 R$67.21 R$91.10 64
Lynch FV R$16.43 R$23.47 R$30.51 61
Dividend Discount
Gordon GGM R$6.14 R$10.29 R$13.36 68
DDM Multi-Stage R$6.14 R$9.76 R$11.07 67
Multiples
P/E Multiple R$25.01 R$33.34 R$41.68 63
P/B Multiple R$11.81 R$15.75 R$19.68 55
Asset-Based
NCAV (Graham) R$5.62 R$7.54 R$11.25 54
Growth DCF
Growth DCF R$11.86 R$17.13 R$23.78 79
Rev-Margin DCF R$16.60 R$28.30 R$42.52 71
Economic Profit
Residual Income R$13.10 R$17.34 R$53.52 65

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Quality Score breakdown

Overall quality 67/100

Of which business quality 65 · Market factors (momentum, volatility) 39

Profitability 71
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 44
Earnings quality: real cash, not paper profit
Fin. Strength 76
Balance sheet, leverage, solvency risk
Investment 56
Disciplined investing over empire-building
Low Volatility 86
Calm price path (market factor)
Momentum 21
Price trend over the last 3–12 months (market factor)
52W Momentum 15
Distance to the 52-week high (market factor)
Net Issuance 80
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 65/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+9.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.4%
Start year 2020 (pandemic). Over 10 years: +2.9% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.5%
What shareholders gained per year (last 5 years), in BRL ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in BRL: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+17.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.6%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.18% vs 19%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 18%
Start year 2020 (pandemic)

Growth Forecast

Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+8.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Brazil: IMF forecast 3.3% a year to 2030, 5.4% from 2016 to 2025) that is about +4.8% a year for the price.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 383 stocks

Beats the industry median on 14/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 66 · Top 25%
Fair Value upside +59% · Top 25%
Profitability
Return on equity (TTM) 21% · Top 25%
Return on assets 9% · Top 25%
Net margin (TTM) 16% · Top 25%
Operating margin (TTM) 15% · Top 25%
Growth and dividend
Revenue growth 11% · Above median
Dividend yield (TTM) 17.1% · Top 25%
Balance sheet
Debt / equity 0.18× · Above median

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/E (TTM) 5.6× · Cheapest 25%
P/B 1.23× · Cheaper than median
P/S (TTM) 0.89× · Cheaper than median
P/FCF 2.2× · Cheaper than median
EV/EBITDA 5.2× · Cheapest 25%
PEG 1.08× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 16
FUTURE (revenue growth)55 · sector 48
PAST (return on equity)84 · sector 18
HEALTH (low debt)91 · sector 97
DIVIDEND (yield)100 · sector 33

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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Fortinet, Inc FTNT $178.74 $164.92 −8%
Synopsys, Inc SNPS $413.06 $250.04 −39%
Block, Inc XYZ $74.68 $101.29 +36%
CoreWeave, Inc CRWV $86.90 $71.79 −17%
NetApp, Inc NTAP $192.91 $157.18 −19%

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CSU Digital S.A. · Fair Value
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Cite: Fair Value Calculator (2026). "CSU Digital S.A. Fair Value". https://www.fairvalue-calculator.com/stock/CSUD3

Frequently asked questions

Is CSU Digital S.A. (CSUD3) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of R$21.89 versus a price of R$13.80, about +59% upside (undervalued).
What is the fair value of CSUD3?
Our model-based fair value for CSU Digital S.A. is R$21.89 (as of Sep 24, 2026), built from audited fundamentals. The current price: R$13.80.
What is the quality score of CSUD3?
CSU Digital S.A. has a Quality Score of 67/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for CSU Digital S.A. (CSUD3)?
Our model-based price target is the fair value of R$21.89 (as of Sep 24, 2026) from 13 valuation models. Cautious scenario R$14.63, optimistic scenario R$32.91. It is a calculation from audited fundamentals, not an analyst target.
What is the CSU Digital S.A. stock forecast for 2026?
Our models put fair value at R$21.89, about +59% upside versus a price of R$13.80 (undervalued). Cautious scenario R$14.63, optimistic scenario R$32.91. The calculation is refreshed regularly with new filings.
What is the revenue of CSU Digital S.A. (CSUD3)?
CSU Digital S.A. reported trailing-twelve-month revenue of about R$640M (latest available figure, as of Sep 24, 2026).
What growth is priced into CSU Digital S.A. (CSUD3)?
For today's price to be fair in a discounted-cash-flow model, CSU Digital S.A. would have to grow free cash flow by +8.2 % per year for five years (discount rate 14.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CSUD3 use?
Our models discount CSU Digital S.A. at 14.2 %: a base by market capitalisation (micro), damped by beta 0.16, country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For CSU Digital S.A. that is +8.2 % per year a year over ten years, using the same discount rate (14.2 %) and the same formula as our fair value.
How much growth has CSU Digital S.A. (CSUD3) delivered so far?
Over the past 5 years revenue at CSU Digital S.A. grew +6.4 % a year. The price currently implies +8.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of CSU Digital S.A. (CSUD3) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into CSU Digital S.A. (+8.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of CSU Digital S.A. (CSUD3)?
The free-cash-flow yield on the price is 8.94 %: that much free cash flow CSU Digital S.A. produces per unit of market value. When it exceeds the discount rate of our models (14.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CSU Digital S.A. (CSUD3)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CSU Digital S.A. it is R$21.89 per share (as of Sep 24, 2026), against a price of R$13.80. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is CSU Digital S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CSUD3 trades below its calculated fair value: price R$13.80, fair value R$21.89, a gap of about +59% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CSUD3?
No. The price is what the market pays today (R$13.80); the fair value is what the company's own numbers justify (R$21.89). For CSU Digital S.A. the two are R$8.09 per share apart. That gap is exactly why we show both numbers side by side.
How much is CSU Digital S.A. worth?
The market values CSU Digital S.A. at about R$571M (market capitalisation, as of Sep 24, 2026). Per share that is R$13.80; our models calculate a fair value of R$21.89 per share.
What do the bullish and bearish scenarios say about CSUD3?
Our models span a range for CSU Digital S.A.: cautious scenario R$14.63, base R$21.89, optimistic R$32.91 per share (as of Sep 24, 2026, price R$13.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CSUD3?
CSU Digital S.A. trades at a price-to-earnings ratio of 5.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$21.89 is built from several models across several years. Other multiples: PEG 1.1, P/B 1.2, P/S 0.9, EV/EBITDA 5.2.
What is the PEG ratio of CSUD3?
The PEG ratio of CSU Digital S.A. is 1.08 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of CSU Digital S.A. (CSUD3)?
Balance-sheet figures for CSU Digital S.A. (as of Sep 24, 2026): return on equity 20.9%, debt of 0.18 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is CSUD3 from its 52-week high?
CSU Digital S.A. trades at R$13.80, about 28% below its 52-week high of R$19.14 and 6% above the low of R$13.00 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of R$21.89 is for.
Which stocks are comparable to CSU Digital S.A.?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is CSU Digital S.A. stock attractive at the current price?
The data as of Sep 24, 2026: price R$13.80, calculated fair value R$21.89 (+59%), Quality Score 67/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CSUD3 calculated?
We run CSU Digital S.A. through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$21.89, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. CSU Digital S.A. currently trades 59 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of CSU Digital S.A. (CSUD3)?
The closing price on Sep 23, 2026 was R$13.80. Our model-based fair value is R$21.89, about +59% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CSU Digital S.A. right now?
The price is below even our cautious bear case (R$14.63). The market is more pessimistic than our downside scenario. Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (R$14.63 to R$32.91) leaves room in how you read the outcome.

Key figures of CSU Digital S.A.

How large is the market capitalisation of CSU Digital S.A. (CSUD3)?
The market capitalisation of CSU Digital S.A. is R$571M (≈ $111M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CSU Digital S.A. (CSUD3)?
The price-to-sales ratio of CSU Digital S.A. is 0.95 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CSU Digital S.A. (CSUD3)?
Earnings per share at CSU Digital S.A. are R$2.47 (price ÷ EPS = P/E 5.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CSU Digital S.A. (CSUD3)?
The net margin of CSU Digital S.A. is 17.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of CSU Digital S.A. (CSUD3)?
The return on equity (ROE) of CSU Digital S.A. is 20.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of CSU Digital S.A. (CSUD3)?
On an EBIT basis the return on assets of CSU Digital S.A. is 17.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of CSU Digital S.A. (CSUD3)?
The operating margin of CSU Digital S.A. is 15.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CSU Digital S.A. (CSUD3)?
Revenue at CSU Digital S.A. is growing +11.0% versus a year earlier (3y avg +5.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at CSU Digital S.A. (CSUD3)?
Earnings per share at CSU Digital S.A. are growing −17.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CSU Digital S.A. (CSUD3) carry?
The net debt of CSU Digital S.A. is R$47.9M (fiscal year 2025, ≈ 0.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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