CSU DigitalBSP:CSUD3 -1.87%70 ROC (Joel Greenblatt) % is 155.41% as of Mar. 2026, which is 14% above its 10-year median of 136.80. GuruFocus rates BSP:CSUD3 with a GF Score™ of 70/100 and a GF Value™ of R$19.74 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,807 Software companies, CSU Digital ranks better than 79.23% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. CSU Digital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 155.41%.
The historical rank and industry rank for CSU Digital's ROC (Joel Greenblatt) % or its related term are showing as below:
BSP:CSUD3'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 57.27 Med: 136.8 Max: 181
Current: 147.03
During the past 13 years, CSU Digital's highest ROC (Joel Greenblatt) % was 181.00%. The lowest was 57.27%. And the median was 136.80%.
BSP:CSUD3's ROC (Joel Greenblatt) % is ranked better than 79.23% of 2807
companies
in the Software industry
Industry Median: 19.62
vs BSP:CSUD3: 147.03
CSU Digital's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 21.40% per year.
CSU Digital (BSP:CSUD3) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
CSU Digital ROC (Joel Greenblatt) % Historical Data
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The historical data trend for CSU Digital's ROC (Joel Greenblatt) % 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: ROC (Joel Greenblatt) % Comparison
For the Software - Infrastructure subindustry, CSU Digital's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Software Industry
For the Software industry and Technology sector, CSU Digital's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where CSU Digital's ROC (Joel Greenblatt) % falls into.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.
* 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 ROC (Joel Greenblatt) % of 155.41% mean?
CSU Digital (BSP:CSUD3) has a ROC (Joel Greenblatt) % of 155.41% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on CSU Digital and its competitors. This is 14% above median its historical median of 136.80. Over the past decade, CSU Digital's ROC (Joel Greenblatt) % has ranged from 57.27 to 181.00. According to the industry distribution chart, CSU Digital ranks #583 out of 2807 companies in the Software industry, placing it in the top 20.8%.
Is CSU Digital's ROC (Joel Greenblatt) % too high?
CSU Digital's current ROC (Joel Greenblatt) % of 155.41% is 14% above median its 10-year median of 136.80. Over the past 10 years, this metric has ranged from a low of 57.27 to a high of 181.00. The Software industry median ROC (Joel Greenblatt) % is 19.62. CSU Digital's value of 155.41% is 692.1% above this industry median. Based on the distribution chart, CSU Digital ranks #583 out of 2807 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 ROC (Joel Greenblatt) % compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #583 out of 2807 companies for ROC (Joel Greenblatt) %. This places CSU Digital in the top 21% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 19.62. CSU Digital's value of 155.41% is 692.1% above this benchmark. Historically, CSU Digital's own ROC (Joel Greenblatt) % has ranged from 57.27 to 181.00 over the past decade. While the company's 10-year median is 136.80 vs. the industry median of 19.62, 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 ROC (Joel Greenblatt) % for a Software company?
The median ROC (Joel Greenblatt) % among Software companies is 19.62, based on 2,807 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current ROC (Joel Greenblatt) % of 155.41% is 692.1% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on CSU Digital and its competitors. For the Software industry, the median ROC (Joel Greenblatt) % is 19.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current ROC (Joel Greenblatt) % is 155.41%, which is 14% above median its own 10-year median of 136.80. 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$19.74, compared to a current price of R$14.70 — trading 25.5% below its estimated fair value. The current ROC (Joel Greenblatt) % is 155.41%, which is 14% above median its 10-year median of 136.80 and 692.1% above the Software industry median of 19.62. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current ROC (Joel Greenblatt) % is 155.41% 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$14.70 is trading 25.5% below its estimated GF Value™ of R$19.74.
GuruFocus considers CSU Digital to be Modestly Undervalued.
Key valuation signals for BSP:CSUD3:
ROC (Joel Greenblatt) %: 155.41% (14% above median its 10-year median of 136.80)
GF Value™: R$19.74 vs. price of R$14.70 (25.5% below fair value)
Industry Position: 692.1% above the Software median (#583 of 2807)
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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