CSU Digital S.A.

CSU Digital S.A.

CSUD3 · SA · Technology / Software - Infrastructure

14.29BRL+0.42 (+3.03%)

Price History

Full chart

Market Stats

Previous Close13.87
Open13.87
Day Range13.82 – 14.29
52-Week Range12.77 – 19.57
Volume36.60K
Market Cap652.98M
P/E (TTM)6.63
Forward P/E1.24
EPS2.38
Dividend Yield10.48%
Beta0.16
50-Day Avg13.99
200-Day Avg16.52

About

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 and the United States. 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.

Company Details

  • SectorTechnology
  • IndustrySoftware - Infrastructure
  • CEOMr. Marcos Ribeiro Leite
  • Employees0
  • HeadquartersRua PiauI, 136, Barueri, SP, Brazil, 06440-182, Brazil
  • Websitehttps://www.csudigital.com.br

Leadership

  • Mr. Marcos Ribeiro LeiteFounder, CEO, Member of Executive Board & Director · b. 1959
  • Mr. Andre Pereira LapolaChief Financial Officer
  • Mr. Andre Victor Vicentini de OliveiraControllership Director & Member of Management Board
  • Mr. Sergio Pereira da TrindadeSenior Controllership Manager & Member of Management Board
  • Mr. Jefferson Ferreira PedrosaChief Technology & Operations Officer
  • Mr. Leonardo Paes de Barros De CaraExecutive Director of Investor Relations and M&A
  • Auziane MoraesDirector of Products & Marketing
  • Mr. João Carlos MatiasMember of Audit committee

Financials

Income Statement

Currency: BRL2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue312.88M328.95M31.86M363.81M394.83M383.31M397.60M376.80M355.74M401.47M467.93M466.17M486.92M420.31M433.70M457.27M514.05M537.17M530.23M567.64M623.53M
Growth (%)-+5.14%-90.31%+1041.76%+8.53%-2.92%+3.73%-5.23%-5.59%+12.85%+16.55%-0.38%+4.45%-13.68%+3.19%+5.43%+12.42%+4.50%-1.29%+7.05%+9.85%
Cost of Revenue246.38M288.89M273.15M290.15M288.87M268.72M294.29M307.98M316.17M342.08M390.55M379.57M392.12M354.24M365.12M356.73M348.03M335.74M321.31M328.25M365.68M
Gross Profit66.51M40.06M-241.28M73.66M105.96M114.59M103.31M68.81M39.57M59.39M77.38M86.60M94.80M66.08M68.58M100.54M166.02M201.43M208.92M239.39M257.85M
Gross Margin21.26%12.18%-757.23%20.25%26.84%29.89%25.98%18.26%11.12%14.79%16.54%18.58%19.47%15.72%15.81%21.99%32.30%37.50%39.40%42.17%41.35%
Operating Expense38.22M62.88M-224.96M65.53M68.16M61.23M64.14M33.02M31.24M32.57M36.62M28.62M26.15M18.10M23.97M29.69M71.95M96.92M91.44M108.73M145.25M
Operating Income28.29M-22.82M-16.32M8.13M37.80M53.36M39.17M35.79M8.33M26.82M40.76M57.98M68.65M47.97M44.61M70.85M94.07M104.51M117.48M130.66M112.61M
Operating Margin9.04%-6.94%-51.22%2.23%9.57%13.92%9.85%9.50%2.34%6.68%8.71%12.44%14.10%11.41%10.29%15.49%18.30%19.46%22.16%23.02%18.06%
EBITDA35.68M2.25M16.70M26.41M79.03M82.70M71.01M68.25M36.60M56.24M72.24M94.01M101.78M83.97M104.37M134.64M154.01M172.48M190.65M199.15M180.20M
EBITDA Margin11.40%0.68%52.43%7.26%20.02%21.58%17.86%18.11%10.29%14.01%15.44%20.17%20.90%19.98%24.07%29.44%29.96%32.11%35.95%35.08%28.90%
Net Income17.81M-16.99M-9.85M9.54M17.87M33.05M22.65M22.20M179.00K11.25M19.01M34.91M45.20M32.80M26.83M46.78M60.49M73.57M88.42M91.18M106.05M
Net Income Margin5.69%-5.17%-30.93%2.62%4.53%8.62%5.70%5.89%0.05%2.80%4.06%7.49%9.28%7.80%6.19%10.23%11.77%13.70%16.68%16.06%17.01%
Interest Expense---16.44M15.56M12.41M14.88M10.74M12.25M15.35M17.96M14.05M8.89M5.96M11.29M9.32M8.48M9.93M9.96M8.77M6.81M
Interest Expense % of Total Revenue---4.52%3.94%3.24%3.74%2.85%3.44%3.82%3.84%3.01%1.83%1.42%2.60%2.04%1.65%1.85%1.88%1.54%1.09%

Balance Sheet

Currency: BRL2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets206.00M230.93M297.01M304.53M279.05M312.85M330.94M337.26M346.36M354.92M375.98M354.46M400.56M393.44M495.71M539.78M569.37M607.22M611.54M696.19M750.93M
Total Liabilities168.11M108.89M178.05M177.04M148.36M160.28M179.87M175.94M192.81M195.78M204.80M161.03M176.69M152.60M238.44M247.51M226.53M225.37M182.18M219.05M285.82M
Total Equity37.89M122.03M118.96M127.48M130.69M152.57M151.06M161.32M153.54M159.15M171.18M193.43M223.88M240.84M257.27M292.27M342.83M381.85M429.36M477.14M465.11M
Cash8.49M1.11M2.36M1.60M10.99M30.08M25.97M19.58M13.33M12.87M18.71M18.73M63.73M29.15M28.54M83.76M83.29M86.45M75.29M96.20M75.67M
Total Debt34.50M-57.95M71.09M66.46M53.91M68.64M60.90M87.88M77.09M66.78M63.72M69.55M54.98M117.58M133.17M104.09M85.70M68.75M70.54M123.59M
Net Debt26.00M-1.11M55.58M69.49M55.47M23.82M42.67M41.32M74.55M64.22M48.06M45.00M5.83M25.83M89.04M49.41M20.80M-751.00K-6.54M-25.66M47.92M

Cash Flow

Currency: BRL2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow37.75M-858.00K37.41M86.20M66.85M47.41M32.29M19.04M48.56M55.89M73.64M94.19M46.94M88.18M125.93M116.11M131.57M152.19M176.17M132.59M
Investing Cash Flow-100.69M-39.60M-47.82M-26.48M-40.62M-22.07M-28.23M-17.58M-25.69M-25.62M-33.55M-56.17M-35.72M-48.27M-47.88M-48.66M-60.17M-55.63M-62.00M-74.47M-81.60M
Financing Cash Flow82.74M73.61M120.89M-11.69M-36.20M-25.69M-23.29M-21.11M404.00K-23.40M-16.50M-17.46M-13.47M-33.25M-40.91M-22.05M-56.41M-72.78M-101.36M-80.42M-71.58M
Capital Expenditure76.74M18.50M36.87M040.62M22.07M28.23M20.49M26.06M24.51M33.55M57.52M35.72M48.27M47.88M48.66M49.62M55.63M62.00M74.47M81.60M
Free Cash Flow-38.99M-18.50M-36.01M37.41M45.59M44.78M19.17M11.80M-7.02M24.05M22.34M16.12M58.47M-1.33M40.30M77.27M66.48M75.94M90.19M101.70M51.00M
Dividends Paid---------------9.06M16.80M30.20M57.61M34.52M36.47M
FCF to OCF-103.29%--4196.85%100.00%52.88%66.98%40.45%36.54%-36.86%49.53%39.98%21.89%62.08%-2.83%45.70%61.36%57.26%57.72%59.26%57.73%38.46%
Dividend Paid to FCF---------------11.73%25.27%39.77%63.88%33.94%71.52%

Earnings

Report DateNov 15, 2006May 8, 2007Aug 15, 2007Nov 12, 2007Mar 13, 2008Aug 9, 2023Nov 8, 2023Dec 31, 2023
EPS Estimate--0.15-0.08-0.07-0.070.540.540.54
EPS Actual-0.03-0.15-0.09-0.010.010.490.570.59
Surprise-0.00%-12.50%85.71%114.29%-9.26%5.56%9.26%
Timing-Pre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap652.98M
Enterprise Value638.60M
Trailing P/E6.63
Forward P/E1.24
PEG Ratio1.08
Price / Sales0.99
Price / Book1.16
EPS2.38
Book Value11.88
Revenue (TTM)661.49M
Gross Profit (TTM)262.54M
EBITDA112.97M
Profit Margin14.84%
Operating Margin18.09%
Return on Equity19.94%
Return on Assets8.67%
Shares Outstanding41.35M
Shares Float13.30M
Beta0.16
Dividend Yield10.48%
Dividend Rate1.65
Payout Ratio98.94%

Dividends

20262×
0.17Jul 3, 20260.17Apr 6, 2026
20255×
1.84Dec 22, 20250.17Oct 3, 20250.17Jul 1, 20250.44May 2, 20250.17Apr 4, 2025
20245×
0.18Dec 23, 20240.17Sep 30, 20240.16Jul 1, 20240.42Apr 30, 20240.16Mar 25, 2024
20236×
0.18Dec 18, 20230.17Sep 27, 20230.16Jun 26, 20230.35May 2, 20230.15Mar 23, 20230.16Jan 3, 2023
20225×
0.16Oct 3, 20220.13Jun 22, 20220.39Apr 25, 20222.16Apr 20, 20220.10Mar 14, 2022
20211×
0.10Dec 20, 2021