CSU DigitalBSP:CSUD3 +0.73%73 PB Ratio is 1.31 as of Jun. 26, 2026, which is 18% below its 10-year median of 1.59. GuruFocus rates BSP:CSUD3 with a GF Score™ of 73/100 and a GF Value™ of R$19.73 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,624 Software companies, CSU Digital ranks better than 74.24% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), CSU Digital's share price is R$15.16. CSU Digital's Book Value per Share for the quarter that ended in Mar. 2026 was R$11.56. Hence, CSU Digital's PB Ratio of today is 1.31.
Good Sign:
CSU Digital SA stock PB Ratio (=1.33) is close to 3-year low of 1.29.
The historical rank and industry rank for CSU Digital's PB Ratio or its related term are showing as below:
BSP:CSUD3'
s PB Ratio Range Over the Past 10 Years
Min: 0.86 Med: 1.59 Max: 3.57
Current: 1.31
During the past 13 years, CSU Digital's highest PB Ratio was 3.57. The lowest was 0.86. And the median was 1.59.
BSP:CSUD3's PB Ratio is ranked better than 74.24% of 2624
companies
in the Software industry
Industry Median: 2.32
vs BSP:CSUD3: 1.31
During the past 12 months, CSU Digital's average Book Value Per Share Growth Rate was -3.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CSU Digital was 76.90% per year. The lowest was 4.00% per year. And the median was 10.55% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
CSU Digital PB Ratio Related Terms
CSU Digital PB Ratio Historical Data
* Premium members only.
The historical data trend for CSU Digital's PB Ratio 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: PB Ratio Comparison
For the Software - Infrastructure subindustry, CSU Digital's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Software Industry
For the Software industry and Technology sector, CSU Digital's PB Ratio distribution charts can be found below:
* The bar in red indicates where CSU Digital's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
CSU Digital's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
CSU Digital (BSP:CSUD3) has a PB Ratio of 1.31 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CSU Digital and its competitors. This is 18% below median its historical median of 1.59. Over the past decade, CSU Digital's PB Ratio has ranged from 0.86 to 3.57. According to the industry distribution chart, CSU Digital ranks #676 out of 2624 companies in the Software industry, placing it in the top 25.8%.
Is CSU Digital's PB Ratio too high?
CSU Digital's current PB Ratio of 1.31 is 18% below median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 3.57. The Software industry median PB Ratio is 2.32. CSU Digital's value of 1.31 is 43.5% below this industry median. Based on the distribution chart, CSU Digital ranks #676 out of 2624 companies in the Software industry, which is above the industry midpoint. Overall, CSU Digital has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSU Digital's PB Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #676 out of 2624 companies for PB Ratio. This puts CSU Digital in the upper half of its industry. The industry median PB Ratio is 2.32. CSU Digital's value of 1.31 is 43.5% below this benchmark. Historically, CSU Digital's own PB Ratio has ranged from 0.86 to 3.57 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 2.32, 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 PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.32, based on 2,624 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current PB Ratio of 1.31 is 43.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CSU Digital and its competitors. For the Software industry, the median PB Ratio is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current PB Ratio is 1.31, which is 18% below median its own 10-year median of 1.59. 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$19.73, compared to a current price of R$15.16 — trading 23.2% below its estimated fair value. The current PB Ratio is 1.31, which is 18% below median its 10-year median of 1.59 and 43.5% below the Software industry median of 2.32. CSU Digital's overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current PB Ratio is 1.31 as of Jun. 26, 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$15.16 is trading 23.2% below its estimated GF Value™ of R$19.73.
GuruFocus considers CSU Digital to be Modestly Undervalued.
Key valuation signals for BSP:CSUD3:
PB Ratio: 1.31 (18% below median its 10-year median of 1.59)
GF Value™: R$19.73 vs. price of R$15.16 (23.2% below fair value)
Industry Position: 43.5% below the Software median (#676 of 2624)
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.
73GF Score
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