CSU DigitalBSP:CSUD3 -0.70%70 Return-on-Tangible-Equity is 157.05% as of Mar. 2026, which is 38% above its 10-year median of 113.41. GuruFocus rates BSP:CSUD3 with a GF Score™ of 70/100 and a GF Value™ of R$19.76 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,467 Software companies, CSU Digital ranks better than 88.53% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. CSU Digital's annualized net income for the quarter that ended in Mar. 2026 was R$80.5 Mil. CSU Digital's average shareholder tangible equity for the quarter that ended in Mar. 2026 was R$51.3 Mil. Therefore, CSU Digital's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 157.05%.
The historical rank and industry rank for CSU Digital's Return-on-Tangible-Equity or its related term are showing as below:
BSP:CSUD3'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 84.2 Med: 113.41 Max: 1933.91
Current: 117.04
During the past 13 years, CSU Digital's highest Return-on-Tangible-Equity was 1,933.91%. The lowest was 84.20%. And the median was 113.41%.
BSP:CSUD3's Return-on-Tangible-Equity is ranked better than 88.53% of 2467
companies
in the Software industry
Industry Median: 8.82
vs BSP:CSUD3: 117.04
CSU Digital (BSP:CSUD3) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
CSU Digital Return-on-Tangible-Equity Related Terms
CSU Digital Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for CSU Digital's Return-on-Tangible-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: Return-on-Tangible-Equity Comparison
For the Software - Infrastructure subindustry, CSU Digital's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, CSU Digital's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where CSU Digital's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 157.05% mean?
CSU Digital (BSP:CSUD3) has a Return-on-Tangible-Equity of 157.05% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CSU Digital and its competitors. This is 38% above median its historical median of 113.41. Over the past decade, CSU Digital's Return-on-Tangible-Equity has ranged from 84.20 to 1,933.91. According to the industry distribution chart, CSU Digital ranks #283 out of 2467 companies in the Software industry, placing it in the top 11.5%.
Is CSU Digital's Return-on-Tangible-Equity too high?
CSU Digital's current Return-on-Tangible-Equity of 157.05% is 38% above median its 10-year median of 113.41. Over the past 10 years, this metric has ranged from a low of 84.20 to a high of 1,933.91. The Software industry median Return-on-Tangible-Equity is 8.82. CSU Digital's value of 157.05% is 1680.6% above this industry median. Based on the distribution chart, CSU Digital ranks #283 out of 2467 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 Return-on-Tangible-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #283 out of 2467 companies for Return-on-Tangible-Equity. This places CSU Digital in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 8.82. CSU Digital's value of 157.05% is 1680.6% above this benchmark. Historically, CSU Digital's own Return-on-Tangible-Equity has ranged from 84.20 to 1,933.91 over the past decade. While the company's 10-year median is 113.41 vs. the industry median of 8.82, 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 Return-on-Tangible-Equity for a Software company?
The median Return-on-Tangible-Equity among Software companies is 8.82, based on 2,467 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current Return-on-Tangible-Equity of 157.05% is 1680.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CSU Digital and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 8.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current Return-on-Tangible-Equity is 157.05%, which is 38% above median its own 10-year median of 113.41. 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$19.76, compared to a current price of R$14.10 — trading 28.6% below its estimated fair value. The current Return-on-Tangible-Equity is 157.05%, which is 38% above median its 10-year median of 113.41 and 1680.6% above the Software industry median of 8.82. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current Return-on-Tangible-Equity is 157.05% 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$14.10 is trading 28.6% below its estimated GF Value™ of R$19.76.
GuruFocus considers CSU Digital to be Modestly Undervalued.
Key valuation signals for BSP:CSUD3:
Return-on-Tangible-Equity: 157.05% (38% above median its 10-year median of 113.41)
GF Value™: R$19.76 vs. price of R$14.10 (28.6% below fair value)
Industry Position: 1680.6% above the Software median (#283 of 2467)
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
Get the complete analysis for BSP:CSUD3
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:CSUD3 has been successfully added to your 
