What is CSU Digital S.A.'s (CSUD3.SA) StockRank?

MoatMap's StockRank for CSU Digital S.A. (CSUD3.SA) is 93/100, with a Strong Buy signal. This is a composite score combining Quality (69), Value (91), and Momentum (35) factor ranks across MoatMap's 20,000+ stock universe.

Does CSU Digital S.A. have an economic moat?

CSU Digital S.A. (CSUD3.SA) has a Quality factor score of 69/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is CSU Digital S.A. a buy, hold, or sell?

MoatMap's current signal for CSU Digital S.A. (CSUD3.SA) is Strong Buy, based on a StockRank of 93/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is CSU Digital S.A. in?

CSU Digital S.A. (CSUD3.SA) operates in the Technology sector, specifically the Software - Infrastructure industry (Brazil).

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CSUD3.SA

Strong Buy

CSU Digital S.A. · Technology · Brazil · $108M · Avg Vol: $122K/d

StockRank

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P/E (TTM)

5.6x

ROE

19.9%

D/E

0.3x

Dividend %

17.5%

COMPANY DESCRIPTION

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.

FINANCIAL SUMMARY (BRL)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	537.2M	530.2M	567.6M	623.5M	5.1%	668.9M
EPS (BRL)	1.80	2.17	2.21	2.56	12.6%	2.41
Shares	41.2M	41.3M	41.3M	41.3M	+0.3%	41.3M
Debt	85.7M	68.8M	70.5M	123.6M	13.0%	141.6M
Equity	381.8M	429.4M	477.1M	465.1M	6.8%	—
Op CF	131.6M	152.2M	176.2M	132.6M	0.3%	129.7M
Inv CF	-55.6M	-62.0M	-74.5M	-81.6M	—	—
Fin CF	-72.8M	-101.4M	-80.4M	-71.6M	—	—

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PRICE (1Y)-7.1%

SMA 50SMA 200

$2.60

RSI (14)

38.9

52W High

$3.76

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC

19.9%85.3

ROE

19.9%80.9

GP/Assets

35.0%74.4

Op. Margin

18.1%79.6

FCF/Assets

10.3%79.8

Piotroski

660.2

Int. Cover

14.2x53.8

D/E Ratio

0.29x43.1

Current Ratio

1.20x18.9

Value

P/E (TTM)

5.6x97.7

EV/EBITDA

5.5x90.1

P/FCF

7.2x91.4

P/B

1.1x84.4

P/S

0.8x82.8

Div Yield

17.5%99.8

Momentum

52W High %

69%56.2

RS 6M

-20%34.0

SMA 50/200

0.85x21.4

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+13%22.5

Q Growth

-15%21.3

FUNDAMENTALS

Market Cap

$108M

P/E (Forward)

5.0x

Gross Margin

39.7%

SECTOR PEERS

Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of CSUD3.SA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CSUD3.SA	CSU Digital S.A.(you)	$108M	93	Strong Buy
LWSA3.SA	Locaweb Serviços de Internet S.A.	$460M	84	Strong Buy
CINT	CI&T Inc.	$439M	62	Hold
PAGS34.SA	PagSeguro Digital Ltd.	$2.5B	97	Strong Buy
PICS	PicS N.V.	$2.2B	54	Hold
ALLD3.SA	Allied Tecnologia S.A.	$97M	86	Strong Buy
POSI3.SA	Positivo Tecnologia S.A.	$92M	86	Strong Buy
TOTS3.SA	TOTVS S.A.	$3.6B	82	Strong Buy

Peer medians: ROE 14.5% · P/E 6.3x · Gross margin 49.6%

CSU Digital S.A. (CSUD3.SA): Stock Score Summary

CSU Digital S.A. (CSUD3.SA) has a MoatMap StockRank of 93/100 based on Quality (69/100), Value (91/100), and Momentum (35/100) factor scores. The current signal is STRONG BUY.

Key Financial Metrics

Price	$2.60
Market Cap	$108M
P/E (TTM)	5.64
P/E (Forward)	5.01
Price/Book	1.13
Return on Equity	19.9%
Return on Invested Capital	19.9%
Debt/Equity	0.29x
Gross Margin	39.7%
Operating Margin	18.1%
Revenue Growth	13.8%
Dividend Yield	17.5%
Free Cash Flow	$15M

CSU Digital S.A. operates in the Software - Infrastructure industry, part of the Technology sector (Brazil).

Frequently Asked Questions

What is CSU Digital S.A.’s (CSUD3.SA) StockRank?: MoatMap’s StockRank for CSU Digital S.A. (CSUD3.SA) is 93/100, with a Strong Buy signal. It is a composite of Quality (69), Value (91), and Momentum (35) factor ranks across MoatMap’s 20,000+ stock universe.
Does CSU Digital S.A. have an economic moat?: CSU Digital S.A. (CSUD3.SA) has a Quality factor score of 69/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is CSU Digital S.A. a buy, hold, or sell?: MoatMap’s current signal for CSU Digital S.A. (CSUD3.SA) is Strong Buy, based on a StockRank of 93/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is CSU Digital S.A. in?: CSU Digital S.A. (CSUD3.SA) operates in the Technology sector, specifically the Software - Infrastructure industry (Brazil).