CSU Digital SA

CSU Digital SA

17.39
BRL
+0.08
(+0.46%)
2.38EPS
6.35P/E
628.52MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.06
9.61
11.24
11.29
11.8
10.21
10.33
11.14
12.53
13.13
13
13.75
15.08
16.13
Basic EPS, GAAP
- -
0.27
0.46
0.85
1.1
0.8
0.65
1.14
1.47
1.8
2.17
2.21
2.56
2.39
Free Cash Flow per Basic Share
-0.16
0.58
0.54
0.39
1.42
-0.03
0.98
1.88
1.62
1.86
2.21
2.46
1.23
0.97
Dividend per Share
0.17
- -
0.08
0.15
0.3
0.39
0.21
0.22
0.41
0.74
1.41
0.84
0.88
0.29
Book Value per Share
3.66
3.86
4.15
4.69
5.43
5.86
6.26
7.11
8.33
9.26
10.41
11.56
11.25
11.88
Tangible Book Value per Share
0.03
0.09
0.14
-0.05
0.41
0.46
0.73
1.23
1.95
2.26
2.6
2.65
1.22
1.24
Basic Weighted Avg Shares
44
41
41
41
41
41
41
41
41
41
41
41
41
41
Sales/Revenue/Turnover
353
397
464
466
487
420
424
457
514
537
530
568
624
661
Operating Margin (%)
2.41
6.75
8.79
12.45
14.06
11.43
10.63
15.51
17.81
19.46
22.16
23.02
18.06
16.26
Depreciation Expense
25
26
29
33
32
34
59
60
60
62
64
62
62
66
Net Income, GAAP
- -
11
19
35
45
33
27
47
60
74
88
91
106
98
Effective Tax Rate (%)
- -
22.46
24.55
25.78
26.19
26.29
21.28
28.44
29.32
27.14
24.28
29.14
4.69
8.09
Profit Margin (%)
0.05
2.83
4.1
7.49
9.28
7.81
6.33
10.24
11.77
13.7
16.68
16.06
17.01
14.84
Working Capital
2
-16
-15
-10
22
18
-6
22
24
26
48
36
77
44
LT Debt
66
45
39
40
47
40
82
94
65
49
42
36
104
92
Total Equity
154
159
171
193
224
241
257
292
343
382
429
477
465
491
Return on Invested Capital (%)
- -
8.56
12.85
17.12
18.15
11.89
10.49
12.61
14.75
16.52
18.26
17.5
18.68
16.45
Return on Capital (%)
- -
9.75
13.75
18.31
18.8
12.62
10.76
13.21
15.24
17.67
19.88
18.63
19.81
18.18
Return on Common Equity (%)
0.11
7.19
11.51
19.15
21.66
14.12
10.77
17.03
19.05
20.3
21.8
20.12
22.51
19.94

Capital Structure

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
20
45
48
LT Borrowings
83
72
65
LT Finance Leases
21
32
27
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
41
41
41
Market Capitalization
709
740
629

Working Capital

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
240
275
264
Cash, Cash Equivalents & STI
76
95
72
Accounts Receivable, Net
36
33
42
Inventories
3
2
2
Total Current Liabilities
163
226
220
Payables & Accruals
- -
- -
- -
ST Debt
20
45
48
Deferred Revenue
- -
- -
- -

Growth Rates

BRL

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.65%
9.95%
-2.52%
Free Cash Flow
-292.62%
-3.62%
-49.86%
Net Income, GAAP
23.24%
18.11%
16.31%
Sales/Revenue/Turnover
3.26%
6.53%
9.85%
Total Cash Common Dividend
40.52%
44.29%
5.66%

Quarterly Revenue

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
139
142
141
146
568
2025
151
155
154
164
624
2026
167
176
- -
- -
- -

Quarterly Earnings Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.59
0.55
0.54
0.54
2.21
2025
0.6
0.58
0.58
0.83
2.56
2026
0.49
0.49
- -
- -
- -

Quarterly Dividends Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.56
0.14
0.14
0.84
2025
0.16
0.59
0.15
-0.01
0.88
2026
- -
0.15
- -
- -
- -

Company Description

CEO
Marcos Ribeiro Leite
Full Time Employees
4,400
Sector
Commercial services
Industry
Miscellaneous commercial services
Address
Rua PiauI, 136 Barueri SP Brazil 06440-182
IPO Date
May 4, 2006
Website
csu.com.br
Business
CSU Digital S.A. is a Brazil-based technology company that provides digital payments, banking as a service, loyalty and incentive programs, and digital experience solutions for the financial services sector; the company operates through two main segments, CSU Pays and CSU DX, delivering card processing for issuers and acquirers across credit, debit, digital, and virtual modalities, digital wallets, instant payments, cryptocurrencies, and embedded finance, alongside digital transformation and customer experience offerings. Headquartered in Barueri, São Paulo, CSU Digital serves financial institutions and enterprise clients in Brazil and operates within the broader CSU ecosystem, leveraging API-driven, white-label platforms to enable end-to-end payment, data center, and customer relationship management services. Main products and services - CSU Pays: card processing for issuers and acquirers (credit, debit, digital, virtual modalities); digital wallets; instant payments (PIX); cryptocurrencies; loyalty and incentive programs; embedded finance and banking-as-a-service capabilities; payment account management solutions; processing and settlement services; electronic transaction capture and authorization; merchant acquiring services where applicable. - CSU DX: digital experience solutions and services; customer experience optimization; technology density and digital transformation projects; development and deployment of end-to-end digital interfaces and integrated omnichannel experiences; data-driven personalization and automation for consumer journeys. - Ancillary offerings: electronic transaction processing services for corporate clients; information technology outsourcing; banking correspondent services; telemarketing, telesales and contact center management; credit analysis and risk assessment; credit card administration and issuance support; procurement and optimization of payment workflows; API-enabled integration services and customization for enterprise clients. Latest major company changes - Strategic brand and corporate evolution: formerly CSU CardSystem S.A., rebranded as CSU Digital S.A. in 2022, aligning with expanded digital banking and payments capabilities and a broader services platform. This rebranding coincides with a shift toward a broader “ CSU Pays and CSU DX” model and expanded product suites to support end-to-end digital financial services. - New product and platform initiatives: emphasis on API-driven, white-label modular platforms for payments, loyalty, and banking services; acceleration of end-user activation strategies and cross-selling opportunities to deepen client relationships and scale services across existing customer bases. - Market and governance enhancements: ongoing governance and compliance improvements to support expanding AI, predictive analytics, and hyperautomation capabilities within the payments and customer experience stack; continued expansion of technology-enabled services in Brazil with potential regional emphasis. Additional context - Industry and segments: financial technology, payments processing, banking-as-a-service, loyalty programs, and digital customer experience solutions; operates in the software infrastructure and technology-enabled services space for financial institutions and enterprise clients. - Target markets: financial institutions, merchants, and corporate customers seeking digital payments, card programs, and enhanced customer experience platforms in Brazil; cross-selling across CSU client base via full-service model. - Geographic operations: primarily Brazil, with headquarters in Barueri (São Paulo region), serving domestic market and institutional clients; public materials emphasize Brazil-focused operations. - Founding year and parent relations: founded in 1992 as CSU CardSystem S.A.; later rebranded to CSU Digital S.A.; operates as a subsidiary within the CSU corporate group; listed on the Novo Mercado segment of BM&FBOVESPA under ticker CSUD3.SA, reflecting ongoing public market presence. - Subsidiaries and affiliations: CSU Digital functions as part of the CSU group; relationships described in corporate communications emphasize integration with CSU Pays and CSU DX platforms and related services across the payments ecosystem. Note: This description consolidates publicly available information up to 2025–2026 and reflects CSU Digital S.A.’s core activities, recent changes, and strategic positioning in the Brazilian financial technology landscape.