CSU Digital (BSP:CSUD3) Cyclically Adjusted Book per Share: R$9.90 (As of Mar. 2026)


BSP:CSUD3 CSU Digital SA BSP:CSUD3
68 GF Score
Price R$14.14
GF Value R$19.77
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is CSU Digital Cyclically Adjusted Book per Share?

CSU Digital BSP:CSUD3 +0.28% 68 Cyclically Adjusted Book per Share is R$9.90 as of Mar. 2026. GuruFocus rates BSP:CSUD3 with a GF Score™ of 68/100 and a GF Value™ of R$19.77 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

CSU Digital's adjusted book value per share for the three months ended in Mar. 2026 was R$11.563. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is R$9.90 for the trailing ten years ended in Mar. 2026.

During the past 12 months, CSU Digital's average Cyclically Adjusted Book Growth Rate was 9.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 10.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 10.40% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of CSU Digital was 10.80% per year. The lowest was 8.00% per year. And the median was 9.95% per year.

As of today (2026-07-12), CSU Digital's current stock price is R$14.14. CSU Digital's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was R$9.90. CSU Digital's Cyclically Adjusted PB Ratio of today is 1.43.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of CSU Digital was 4.41. The lowest was 1.17. And the median was 1.99.


CSU Digital  (BSP:CSUD3) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

CSU Digital's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=14.14/9.90
=1.43

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of CSU Digital was 4.41. The lowest was 1.17. And the median was 1.99.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


CSU Digital Cyclically Adjusted Book per Share Related Terms


CSU Digital Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for CSU Digital's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

CSU Digital Cyclically Adjusted Book per Share Chart

CSU Digital Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.59 7.20 7.90 8.73 9.61

CSU Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.04 9.25 9.44 9.61 9.90

BSP:CSUD3 vs MSFT, ORCL, PLTR: Cyclically Adjusted Book per Share Comparison

For the Software - Infrastructure subindustry, CSU Digital's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Software Industry

For the Software industry and Technology sector, CSU Digital's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where CSU Digital's Cyclically Adjusted PB Ratio falls into.


BSP:CSUD3
68GF Score
CSU Digital SA BSP:CSUD3
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CSU Digital Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, CSU Digital's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=11.563/175.0655*175.0655
=11.563

Current CPI (Mar. 2026) = 175.0655.

CSU Digital Quarterly Data

Book Value per Share CPI Adj_Book
201606 4.551 108.851 7.319
201609 4.730 109.986 7.529
201612 4.687 110.802 7.405
201703 4.889 111.869 7.651
201706 5.082 112.115 7.935
201709 5.344 112.777 8.296
201712 5.425 114.068 8.326
201803 5.620 114.868 8.565
201806 5.713 117.038 8.546
201809 5.887 117.881 8.743
201812 5.861 118.340 8.670
201903 5.975 120.124 8.708
201906 5.985 120.977 8.661
201909 6.119 121.292 8.832
201912 6.259 123.436 8.877
202003 6.433 124.092 9.076
202006 6.645 123.557 9.415
202009 6.873 125.095 9.618
202012 7.110 129.012 9.648
202103 7.353 131.660 9.777
202106 7.508 133.871 9.818
202109 7.779 137.913 9.875
202112 8.333 141.992 10.274
202203 8.608 146.537 10.284
202206 8.523 149.784 9.962
202209 8.800 147.800 10.423
202212 9.262 150.207 10.795
202303 9.610 153.352 10.971
202306 9.599 154.519 10.875
202309 10.004 155.464 11.265
202312 10.407 157.148 11.594
202403 10.842 159.372 11.910
202406 10.811 161.052 11.752
202409 11.177 162.342 12.053
202412 11.558 164.740 12.282
202503 11.982 168.102 12.478
202506 11.926 169.670 12.305
202509 12.328 170.739 12.640
202512 11.248 171.765 11.464
202603 11.563 175.066 11.563

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of R$9.90 mean?
CSU Digital (BSP:CSUD3) has a Cyclically Adjusted Book per Share of R$9.90 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on CSU Digital and its competitors.
Is CSU Digital's Cyclically Adjusted Book per Share too high?
CSU Digital's current Cyclically Adjusted Book per Share is R$9.90. Overall, CSU Digital has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSU Digital's Cyclically Adjusted Book per Share compare to MSFT and ORCL?
CSU Digital's Cyclically Adjusted Book per Share of R$9.90 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Software company?
A good Cyclically Adjusted Book per Share depends on the Software industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on CSU Digital and its competitors. CSU Digital's current Cyclically Adjusted Book per Share is R$9.90. 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 Modestly Undervalued. The stock's GF Value™ is R$19.77, compared to a current price of R$14.14 — trading 28.5% below its estimated fair value. The current Cyclically Adjusted Book per Share is R$9.90. CSU Digital's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current Cyclically Adjusted Book per Share is R$9.90 as of Mar. 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$14.14 is trading 28.5% below its estimated GF Value™ of R$19.77. GuruFocus considers CSU Digital to be Modestly Undervalued.

Key valuation signals for BSP:CSUD3:

  • Cyclically Adjusted Book per Share: R$9.90
  • GF Value™: R$19.77 vs. price of R$14.14 (28.5% below fair value)
  • GF Score™: 68/100 with 4 warning signs

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 Business Description

Address Rua Piaui, 136, Bairro Nova Aldeinha, Barueri, SP, BRA, 06440-182
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

Get the complete analysis for BSP:CSUD3

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$14.14
Price
R$19.77
GF Value