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CSU DigitalBSP:CSUD3 -0.97%71 Equity-to-Asset is 0.58 as of Mar. 2026, which is 3% below its 10-year median of 0.60. GuruFocus rates BSP:CSUD3 with a GF Score™ of 71/100 and a GF Value™ of R$19.80 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,891 Software companies, CSU Digital ranks better than 54.27% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. CSU Digital's Total Stockholders Equity for the quarter that ended in Mar. 2026 was R$478.1 Mil. CSU Digital's Total Assets for the quarter that ended in Mar. 2026 was R$829.0 Mil.
Therefore, CSU Digital's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.58.
The historical rank and industry rank for CSU Digital's Equity-to-Asset or its related term are showing as below:
BSP:CSUD3'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.5 Med: 0.6 Max: 0.7
Current: 0.58
During the past 13 years, the highest Equity to Asset Ratio of CSU Digital was 0.70. The lowest was 0.50. And the median was 0.60.
BSP:CSUD3's Equity-to-Asset is ranked better than 54.27% of 2891
companies
in the Software industry
Industry Median: 0.56
vs BSP:CSUD3: 0.58
CSU Digital (BSP:CSUD3) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
CSU Digital Equity-to-Asset Related Terms
CSU Digital Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for CSU Digital's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Software - Infrastructure subindustry, CSU Digital's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, CSU Digital's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where CSU Digital's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
CSU Digital's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 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.
CSU Digital (BSP:CSUD3) has a Equity-to-Asset of 0.58 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CSU Digital and its competitors. This is near median its historical median of 0.60. Over the past decade, CSU Digital's Equity-to-Asset has ranged from 0.50 to 0.70. According to the industry distribution chart, CSU Digital ranks #1322 out of 2891 companies in the Software industry, placing it in the top 45.7%.
Is CSU Digital's Equity-to-Asset too high?
CSU Digital's current Equity-to-Asset of 0.58 is near median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 0.70. The Software industry median Equity-to-Asset is 0.56. CSU Digital's value of 0.58 is 3.6% above this industry median. Based on the distribution chart, CSU Digital ranks #1322 out of 2891 companies in the Software industry, which is above the industry midpoint. Overall, CSU Digital has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSU Digital's Equity-to-Asset compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #1322 out of 2891 companies for Equity-to-Asset. This puts CSU Digital in the upper half of its industry. The industry median Equity-to-Asset is 0.56. CSU Digital's value of 0.58 is 3.6% above this benchmark. Historically, CSU Digital's own Equity-to-Asset has ranged from 0.50 to 0.70 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 0.56, 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 Equity-to-Asset for a Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,891 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current Equity-to-Asset of 0.58 is 3.6% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CSU Digital and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current Equity-to-Asset is 0.58, which is near median its own 10-year median of 0.60. 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$19.80, compared to a current price of R$14.29 — trading 27.8% below its estimated fair value. The current Equity-to-Asset is 0.58, which is near median its 10-year median of 0.60 and 3.6% above the Software industry median of 0.56. CSU Digital's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current Equity-to-Asset is 0.58 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$14.29 is trading 27.8% below its estimated GF Value™ of R$19.80.
GuruFocus considers CSU Digital to be Modestly Undervalued.
Key valuation signals for BSP:CSUD3:
Equity-to-Asset: 0.58 (near median its 10-year median of 0.60)
GF Value™: R$19.80 vs. price of R$14.29 (27.8% below fair value)
Industry Position: 3.6% above the Software median (#1322 of 2891)
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.
71GF Score
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