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CSU DigitalBSP:CSUD3 +1.62%63 Intrinsic Value: Projected FCF is R$29.91 as of Aug. 22, 2026, which is 100% below its 10-year median of 0.65. GuruFocus rates BSP:CSUD3 with a GF Score™ of 63/100 and a GF Value™ of R$20.28 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,462 Software companies, CSU Digital ranks better than 91.59% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-22), CSU Digital's Intrinsic Value: Projected FCF is R$29.91. The stock price of CSU Digital is R$13.21. Therefore, CSU Digital's Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.
The historical rank and industry rank for CSU Digital's Intrinsic Value: Projected FCF or its related term are showing as below:
BSP:CSUD3'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.39 Med: 0.65 Max: 1.48
Current: 0.44
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of CSU Digital was 1.48. The lowest was 0.39. And the median was 0.65.
BSP:CSUD3's Price-to-Projected-FCF is ranked better than 91.59% of 1462
companies
in the Software industry
Industry Median: 1.45
vs BSP:CSUD3: 0.44
CSU Digital (BSP:CSUD3) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
CSU Digital's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
13.21
/
29.913201512429
=
0.44
* 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 Intrinsic Value: Projected FCF Related Terms
CSU Digital Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for CSU Digital's Intrinsic Value: Projected FCF 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: Intrinsic Value: Projected FCF Comparison
For the Software - Infrastructure subindustry, CSU Digital's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Software Industry
For the Software industry and Technology sector, CSU Digital's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where CSU Digital's Price-to-Projected-FCF falls into.
CSU Digital Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of R$29.91 mean?
CSU Digital (BSP:CSUD3) has a Intrinsic Value: Projected FCF of R$29.91 as of Aug. 22, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on CSU Digital and its competitors. This is 4502% above median its historical median of 0.65. Over the past decade, CSU Digital's Intrinsic Value: Projected FCF has ranged from 0.39 to 1.48. According to the industry distribution chart, CSU Digital ranks #123 out of 1462 companies in the Software industry, placing it in the top 8.4%.
Is CSU Digital's Intrinsic Value: Projected FCF too high?
CSU Digital's current Intrinsic Value: Projected FCF of R$29.91 is 4502% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.48. Based on the distribution chart, CSU Digital ranks #123 out of 1462 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, CSU Digital has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSU Digital's Intrinsic Value: Projected FCF compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #123 out of 1462 companies for Intrinsic Value: Projected FCF. This places CSU Digital in the top 8% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 1.45. Historically, CSU Digital's own Intrinsic Value: Projected FCF has ranged from 0.39 to 1.48 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Software company?
The median Intrinsic Value: Projected FCF among Software companies is 1.45, based on 1,462 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on CSU Digital and its competitors. For the Software industry, the median Intrinsic Value: Projected FCF is 1.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current Intrinsic Value: Projected FCF is R$29.91, which is 4502% above median its own 10-year median of 0.65. 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 Significantly Undervalued. The stock's GF Value™ is R$20.28, compared to a current price of R$13.21 — trading 34.9% below its estimated fair value. The current Intrinsic Value: Projected FCF is R$29.91, which is 4502% above median its 10-year median of 0.65. CSU Digital's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current Intrinsic Value: Projected FCF is R$29.91 as of Aug. 22, 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$13.21 is trading 34.9% below its estimated GF Value™ of R$20.28.
GuruFocus considers CSU Digital to be Significantly Undervalued.
Key valuation signals for BSP:CSUD3:
Intrinsic Value: Projected FCF: R$29.91 (4502% above median its 10-year median of 0.65)
GF Value™: R$20.28 vs. price of R$13.21 (34.9% below fair value)
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.
63GF Score
Get the complete analysis for BSP:CSUD3
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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