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CSU DigitalBSP:CSUD3 -0.87%68 Debt-to-Equity is 0.31 as of Mar. 2026, which is 7% above its 10-year median of 0.29. GuruFocus rates BSP:CSUD3 with a GF Score™ of 68/100 and a GF Value™ of R$19.78 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,241 Software companies, CSU Digital ranks worse than 60.51% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CSU Digital's Debt-to-Equity or its related term are showing as below:
BSP:CSUD3'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.1 Med: 0.29 Max: 0.6
Current: 0.31
During the past 13 years, the highest Debt-to-Equity Ratio of CSU Digital was 0.60. The lowest was 0.10. And the median was 0.29.
BSP:CSUD3's Debt-to-Equity is ranked worse than 60.51% of 2241
companies
in the Software industry
Industry Median: 0.19
vs BSP:CSUD3: 0.31
CSU Digital (BSP:CSUD3) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CSU Digital Debt-to-Equity Related Terms
CSU Digital Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for CSU Digital's Debt-to-Equity 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-Equity Comparison
For the Software - Infrastructure subindustry, CSU Digital's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Software Industry
For the Software industry and Technology sector, CSU Digital's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CSU Digital's Debt-to-Equity 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.
CSU Digital (BSP:CSUD3) has a Debt-to-Equity of 0.31 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CSU Digital and its competitors. This is near median its historical median of 0.29. Over the past decade, CSU Digital's Debt-to-Equity has ranged from 0.10 to 0.60. According to the industry distribution chart, CSU Digital ranks #1356 out of 2241 companies in the Software industry, placing it in the top 60.5%.
Is CSU Digital's Debt-to-Equity too high?
CSU Digital's current Debt-to-Equity of 0.31 is near median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.60. The Software industry median Debt-to-Equity is 0.19. CSU Digital's value of 0.31 is 63.2% above this industry median. Based on the distribution chart, CSU Digital ranks #1356 out of 2241 companies in the Software industry, which is below 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-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #1356 out of 2241 companies for Debt-to-Equity. This places CSU Digital in the lower half of its industry. The industry median Debt-to-Equity is 0.19. CSU Digital's value of 0.31 is 63.2% above this benchmark. Historically, CSU Digital's own Debt-to-Equity has ranged from 0.10 to 0.60 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.19, 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 Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.19, based on 2,241 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current Debt-to-Equity of 0.31 is 63.2% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CSU Digital and its competitors. For the Software industry, the median Debt-to-Equity is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current Debt-to-Equity is 0.31, which is near median its own 10-year median of 0.29. 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$19.78, compared to a current price of R$14.86 — trading 24.9% below its estimated fair value. The current Debt-to-Equity is 0.31, which is near median its 10-year median of 0.29 and 63.2% above the Software industry median of 0.19. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current Debt-to-Equity is 0.31 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$14.86 is trading 24.9% below its estimated GF Value™ of R$19.78.
GuruFocus considers CSU Digital to be Modestly Undervalued.
Key valuation signals for BSP:CSUD3:
Debt-to-Equity: 0.31 (near median its 10-year median of 0.29)
GF Value™: R$19.78 vs. price of R$14.86 (24.9% below fair value)
Industry Position: 63.2% above the Software median (#1356 of 2241)
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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