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CSU DigitalBSP:CSUD3 +0.46%68 3-Year Book Growth Rate is 6.70% as of Jun. 2026, which is 36% below its 10-year median of 10.55. GuruFocus rates BSP:CSUD3 with a GF Score™ of 68/100 and a GF Value™ of R$20.27 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 2,499 Software companies, CSU Digital ranks better than 54.7% on this metric.
During the past 12 months, CSU Digital's average Book Value per Share Growth Rate was -0.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 10.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 11.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of CSU Digital was 76.90% per year. The lowest was 4.00% per year. And the median was 10.55% per year.
CSU Digital (BSP:CSUD3) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
CSU Digital 3-Year Book Growth Rate Related Terms
BSP:CSUD3 vs MSFT, ORCL, PLTR: 3-Year Book Growth Rate Comparison
For the Software - Infrastructure subindustry, CSU Digital's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CSU Digital 3-Year Book Growth Rate vs Software Industry
For the Software industry and Technology sector, CSU Digital's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where CSU Digital's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.70% mean?
CSU Digital (BSP:CSUD3) has a 3-Year Book Growth Rate of 6.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for CSU Digital and its competitors. This is 36% below median its historical median of 10.55. Over the past decade, CSU Digital's 3-Year Book Growth Rate has ranged from 4.00 to 76.90. According to the industry distribution chart, CSU Digital ranks #1132 out of 2499 companies in the Software industry, placing it in the top 45.3%.
Is CSU Digital's 3-Year Book Growth Rate too high?
CSU Digital's current 3-Year Book Growth Rate of 6.70% is 36% below median its 10-year median of 10.55. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 76.90. The Software industry median 3-Year Book Growth Rate is 5.40. CSU Digital's value of 6.70% is 24.1% above this industry median. Based on the distribution chart, CSU Digital ranks #1132 out of 2499 companies in the Software industry, which is above the industry midpoint. Overall, CSU Digital has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSU Digital's 3-Year Book Growth Rate compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #1132 out of 2499 companies for 3-Year Book Growth Rate. This puts CSU Digital in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.40. CSU Digital's value of 6.70% is 24.1% above this benchmark. Historically, CSU Digital's own 3-Year Book Growth Rate has ranged from 4.00 to 76.90 over the past decade. While the company's 10-year median is 10.55 vs. the industry median of 5.40, CSU Digital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Software company?
The median 3-Year Book Growth Rate among Software companies is 5.40, based on 2,499 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current 3-Year Book Growth Rate of 6.70% is 24.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for CSU Digital and its competitors. For the Software industry, the median 3-Year Book Growth Rate is 5.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current 3-Year Book Growth Rate is 6.70%, which is 36% below median its own 10-year median of 10.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CSU Digital stock overvalued right now?
Based on GuruFocus' analysis, CSU Digital (BSP:CSUD3) is currently considered Significantly Undervalued. The stock's GF Value™ is R$20.27, compared to a current price of R$13.07 — trading 35.5% below its estimated fair value. The current 3-Year Book Growth Rate is 6.70%, which is 36% below median its 10-year median of 10.55 and 24.1% above the Software industry median of 5.40. CSU Digital's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current 3-Year Book Growth Rate is 6.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CSU Digital (BSP:CSUD3) Overvalued in 2026?
Based on GuruFocus' analysis, CSU Digital stock appears to be undervalued.
The current stock price of R$13.07 is trading 35.5% below its estimated GF Value™ of R$20.27.
GuruFocus considers CSU Digital to be Significantly Undervalued.
Key valuation signals for BSP:CSUD3:
3-Year Book Growth Rate: 6.70% (36% below median its 10-year median of 10.55)
GF Value™: R$20.27 vs. price of R$13.07 (35.5% below fair value)
Industry Position: 24.1% above the Software median (#1132 of 2499)
No single metric tells the full story. See the BSP:CSUD3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CSU Digital SA operations comprise the provision of credit card processing and multiple-use services, management and operationalization of telemarketing and telesales (contact centers), telebilling, credit analysis, development and operational management relationships, loyalty, and customer acquisition programs. It has two operating segments: CSU Pays and CSU DX, and the majority of the revenue comes from CSU Pays.
68GF Score
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