CSU DigitalBSP:CSUD3 +3.31%70 Net Margin % is 12.04% as of Mar. 2026, which is 9% above its 10-year median of 11.01. GuruFocus rates BSP:CSUD3 with a GF Score™ of 70/100 and a GF Value™ of R$19.72 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,825 Software companies, CSU Digital ranks better than 85.88% on this metric.
Net margin is calculated as Net Income divided by its Revenue. CSU Digital's Net Income for the
three
months ended in Mar. 2026 was R$20.1 Mil. CSU Digital's Revenue for the
three
months ended in Mar. 2026 was R$167.3 Mil. Therefore, CSU Digital's net margin for the quarter that ended in Mar. 2026 was 12.04%.
The historical rank and industry rank for CSU Digital's Net Margin % or its related term are showing as below:
BSP:CSUD3'
s Net Margin % Range Over the Past 10 Years
Min: 6.33 Med: 11.01 Max: 17.01
Current: 15.9
BSP:CSUD3's Net Margin % is ranked better than 85.88% of 2825
companies
in the Software industry
Industry Median: 2.54
vs BSP:CSUD3: 15.90
CSU Digital (BSP:CSUD3) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
CSU Digital Net Margin % Related Terms
CSU Digital Net Margin % Historical Data
* Premium members only.
The historical data trend for CSU Digital's Net Margin % 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: Net Margin % Comparison
For the Software - Infrastructure subindustry, CSU Digital's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Software Industry
For the Software industry and Technology sector, CSU Digital's Net Margin % distribution charts can be found below:
* The bar in red indicates where CSU Digital's Net Margin % 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 Net Margin % of 12.04% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on CSU Digital and its competitors. This is near median its historical median of 11.01. Over the past decade, CSU Digital's Net Margin % has ranged from 6.33 to 17.01. According to the industry distribution chart, CSU Digital ranks #399 out of 2825 companies in the Software industry, placing it in the top 14.1%.
Is CSU Digital's Net Margin % too high?
CSU Digital's current Net Margin % of 12.04% is near median its 10-year median of 11.01. Over the past 10 years, this metric has ranged from a low of 6.33 to a high of 17.01. The Software industry median Net Margin % is 2.54. CSU Digital's value of 12.04% is 374% above this industry median. Based on the distribution chart, CSU Digital ranks #399 out of 2825 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 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSU Digital's Net Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #399 out of 2825 companies for Net Margin %. This places CSU Digital in the top 14% of its industry — outperforming the majority of peers. The industry median Net Margin % is 2.54. CSU Digital's value of 12.04% is 374% above this benchmark. Historically, CSU Digital's own Net Margin % has ranged from 6.33 to 17.01 over the past decade. While the company's 10-year median is 11.01 vs. the industry median of 2.54, 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 Net Margin % for a Software company?
The median Net Margin % among Software companies is 2.54, based on 2,825 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current Net Margin % of 12.04% is 374% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on CSU Digital and its competitors. For the Software industry, the median Net Margin % is 2.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current Net Margin % is 12.04%, which is near median its own 10-year median of 11.01. 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$19.72, compared to a current price of R$15.60 — trading 20.9% below its estimated fair value. The current Net Margin % is 12.04%, which is near median its 10-year median of 11.01 and 374% above the Software industry median of 2.54. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current Net Margin % is 12.04% 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$15.60 is trading 20.9% below its estimated GF Value™ of R$19.72.
GuruFocus considers CSU Digital to be Modestly Undervalued.
Key valuation signals for BSP:CSUD3:
Net Margin %: 12.04% (near median its 10-year median of 11.01)
GF Value™: R$19.72 vs. price of R$15.60 (20.9% below fair value)
Industry Position: 374% above the Software median (#399 of 2825)
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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