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CSU DigitalBSP:CSUD3 -0.71%68 Debt-to-EBITDA is 0.77 as of Mar. 2026, which is 13% above its 10-year median of 0.68. 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. Among 1,714 Software companies, CSU Digital ranks better than 56.53% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for CSU Digital's Debt-to-EBITDA or its related term are showing as below:
BSP:CSUD3'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.35 Med: 0.68 Max: 1.12
Current: 0.82
During the past 13 years, the highest Debt-to-EBITDA Ratio of CSU Digital was 1.12. The lowest was 0.35. And the median was 0.68.
BSP:CSUD3's Debt-to-EBITDA is ranked better than 56.53% of 1714
companies
in the Software industry
Industry Median: 1.09
vs BSP:CSUD3: 0.82
CSU Digital (BSP:CSUD3) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
CSU Digital Debt-to-EBITDA Related Terms
CSU Digital Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CSU Digital's Debt-to-EBITDA 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: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, CSU Digital's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, CSU Digital's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CSU Digital's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
CSU Digital (BSP:CSUD3) has a Debt-to-EBITDA of 0.77 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CSU Digital. This is 13% above median its historical median of 0.68. Over the past decade, CSU Digital's Debt-to-EBITDA has ranged from 0.35 to 1.12. According to the industry distribution chart, CSU Digital ranks #745 out of 1714 companies in the Software industry, placing it in the top 43.5%.
Is CSU Digital's Debt-to-EBITDA too high?
CSU Digital's current Debt-to-EBITDA of 0.77 is 13% above median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.12. The Software industry median Debt-to-EBITDA is 1.09. CSU Digital's value of 0.77 is 29.4% below this industry median. Based on the distribution chart, CSU Digital ranks #745 out of 1714 companies in the Software industry, which is above the industry midpoint. 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 Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #745 out of 1714 companies for Debt-to-EBITDA. This puts CSU Digital in the upper half of its industry. The industry median Debt-to-EBITDA is 1.09. CSU Digital's value of 0.77 is 29.4% below this benchmark. Historically, CSU Digital's own Debt-to-EBITDA has ranged from 0.35 to 1.12 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 1.09, 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 Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,714 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current Debt-to-EBITDA of 0.77 is 29.4% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CSU Digital. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current Debt-to-EBITDA is 0.77, which is 13% above median its own 10-year median of 0.68. 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 Debt-to-EBITDA is 0.77, which is 13% above median its 10-year median of 0.68 and 29.4% below the Software industry median of 1.09. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current Debt-to-EBITDA is 0.77 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$14.04 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:
Debt-to-EBITDA: 0.77 (13% above median its 10-year median of 0.68)
GF Value™: R$19.77 vs. price of R$14.04 (29% below fair value)
Industry Position: 29.4% below the Software median (#745 of 1714)
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
Get the complete analysis for BSP:CSUD3
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