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CSU DigitalBSP:CSUD3 -0.71%70 Cyclically Adjusted PB Ratio is 1.42 as of Jul. 14, 2026, which is 29% below its 10-year median of 1.99. GuruFocus rates BSP:CSUD3 with a GF Score™ of 70/100 and a GF Value™ of R$19.77 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,598 Software companies, CSU Digital ranks better than 65.02% on this metric.
The historical rank and industry rank for CSU Digital's Cyclically Adjusted PB Ratio or its related term are showing as below:
BSP:CSUD3'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.17 Med: 1.99 Max: 4.41
Current: 1.43
During the past years, CSU Digital's highest Cyclically Adjusted PB Ratio was 4.41. The lowest was 1.17. And the median was 1.99.
BSP:CSUD3's Cyclically Adjusted PB Ratio is ranked better than 65.02% of 1598
companies
in the Software industry
Industry Median: 2.325
vs BSP:CSUD3: 1.43
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 adjusted book value per share data 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.
Shiller PE for Stocks: The True Measure of Stock Valuation
CSU Digital (BSP:CSUD3) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
CSU Digital Cyclically Adjusted PB Ratio Related Terms
CSU Digital Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for CSU Digital's Cyclically Adjusted PB Ratio 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.
BSP:CSUD3 vs MSFT, ORCL, PLTR: Cyclically Adjusted PB Ratio 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.
CSU Digital Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
CSU Digital's Cyclically Adjusted PB Ratio for today is calculated as
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 1.42 mean?
CSU Digital (BSP:CSUD3) has a Cyclically Adjusted PB Ratio of 1.42 as of Jul. 14, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on CSU Digital and its competitors. This is 29% below median its historical median of 1.99. Over the past decade, CSU Digital's Cyclically Adjusted PB Ratio has ranged from 1.17 to 4.41. According to the industry distribution chart, CSU Digital ranks #559 out of 1598 companies in the Software industry, placing it in the top 35%.
Is CSU Digital's Cyclically Adjusted PB Ratio too high?
CSU Digital's current Cyclically Adjusted PB Ratio of 1.42 is 29% below median its 10-year median of 1.99. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 4.41. The Software industry median Cyclically Adjusted PB Ratio is 2.33. CSU Digital's value of 1.42 is 38.9% below this industry median. Based on the distribution chart, CSU Digital ranks #559 out of 1598 companies in the Software industry, which is above the industry midpoint. Overall, CSU Digital has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSU Digital's Cyclically Adjusted PB Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #559 out of 1598 companies for Cyclically Adjusted PB Ratio. This puts CSU Digital in the upper half of its industry. The industry median Cyclically Adjusted PB Ratio is 2.33. CSU Digital's value of 1.42 is 38.9% below this benchmark. Historically, CSU Digital's own Cyclically Adjusted PB Ratio has ranged from 1.17 to 4.41 over the past decade. While the company's 10-year median is 1.99 vs. the industry median of 2.33, CSU Digital has consistently been below 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 Cyclically Adjusted PB Ratio for a Software company?
The median Cyclically Adjusted PB Ratio among Software companies is 2.33, based on 1,598 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current Cyclically Adjusted PB Ratio of 1.42 is 38.9% below 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on CSU Digital and its competitors. For the Software industry, the median Cyclically Adjusted PB Ratio is 2.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current Cyclically Adjusted PB Ratio is 1.42, which is 29% below median its own 10-year median of 1.99. 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$14.04 — trading 29% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.42, which is 29% below median its 10-year median of 1.99 and 38.9% below the Software industry median of 2.33. CSU Digital's overall GF Score™ is 70/100 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 PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current Cyclically Adjusted PB Ratio is 1.42 as of Jul. 14, 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$14.04 is trading 29% 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 PB Ratio: 1.42 (29% below median its 10-year median of 1.99)
GF Value™: R$19.77 vs. price of R$14.04 (29% below fair value)
Industry Position: 38.9% below the Software median (#559 of 1598)
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.
70GF Score
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Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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