CSU Digital (BSP:CSUD3) ROE % Adjusted to Book Value: 11.09% (As of Mar. 2026)

CSU Digital BSP:CSUD3 +3.31% 70 ROE % Adjusted to Book Value is 11.09% as of Mar. 2026. 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.

CSU Digital's ROE % for the quarter that ended in Mar. 2026 was 17.08%. CSU Digital's PB Ratio for the quarter that ended in Mar. 2026 was 1.54. CSU Digital's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 11.09%.

CSU Digital ROE % Adjusted to Book Value Related Terms

CSU Digital ROE % Adjusted to Book Value Historical Data

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The historical data trend for CSU Digital's ROE % Adjusted to Book Value 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.

CSU Digital ROE % Adjusted to Book Value Chart

CSU Digital Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

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12.37

15.38

11.60

15.13

14.91

CSU Digital Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															14.37	12.06	12.58	18.55	11.09

BSP:CSUD3 vs MSFT, ORCL, PLTR: ROE % Adjusted to Book Value Comparison

For the Software - Infrastructure subindustry, CSU Digital's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Software Industry

For the Software industry and Technology sector, CSU Digital's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where CSU Digital's ROE % Adjusted to Book Value falls into.

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70GF Score

CSU Digital SA BSP:CSUD3

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CSU Digital ROE % Adjusted to Book Value Calculation

CSU Digital's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	22.51%	/	1.51
	=	14.91%

CSU Digital's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	17.08%	/	1.54
	=	11.09%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 11.09% mean?

CSU Digital (BSP:CSUD3) has a ROE % Adjusted to Book Value of 11.09% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on CSU Digital and its competitors.

Is CSU Digital's ROE % Adjusted to Book Value too high?

CSU Digital's current ROE % Adjusted to Book Value is 11.09%. 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 ROE % Adjusted to Book Value compare to MSFT and ORCL?

CSU Digital's ROE % Adjusted to Book Value of 11.09% can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for a Software company?

A good ROE % Adjusted to Book Value depends on the Software industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on CSU Digital and its competitors. CSU Digital's current ROE % Adjusted to Book Value is 11.09%. 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 ROE % Adjusted to Book Value is 11.09%. 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 ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current ROE % Adjusted to Book Value is 11.09% 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:

ROE % Adjusted to Book Value: 11.09%
GF Value™: R$19.72 vs. price of R$15.60 (20.9% below fair value)
GF Score™: 70/100 with 4 warning signs

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 Business Description

Industry Technology Software

Comparable Companies BSP:LWSA3 MSFT ORCL PLTR PANW CRWD FTNT SNPS HKSE:02513 NET CRWV XYZ XAMS:ADYEN NTAP TWLO MDB VRSN CPAY ZS AKAM

Address Rua Piaui, 136, Bairro Nova Aldeinha, Barueri, SP, BRA, 06440-182

Website https://www.csu.com.br

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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$15.60

Price

R$19.72

GF Value

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