CSU Digital (BSP:CSUD3) 3-Year RORE % : 11.03% (As of Mar. 2026)


BSP:CSUD3 CSU Digital SA BSP:CSUD3
70 GF Score
Price R$14.98
GF Value R$19.74
Valuation Modestly Undervalued
! 4 Warning Signs
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What is CSU Digital 3-Year RORE %?

CSU Digital BSP:CSUD3 -0.13% 70 3-Year RORE % is 11.03 as of Mar. 2026. 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 2,539 Software companies, CSU Digital ranks better than 58.84% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. CSU Digital's 3-Year RORE % for the quarter that ended in Mar. 2026 was 11.03%.

The industry rank for CSU Digital's 3-Year RORE % or its related term are showing as below:

BSP:CSUD3's 3-Year RORE % is ranked better than
58.84% of 2539 companies
in the Software industry
Industry Median: 2.7 vs BSP:CSUD3: 11.03

CSU Digital  (BSP:CSUD3) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


CSU Digital 3-Year RORE % Related Terms


CSU Digital 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for CSU Digital's 3-Year RORE % 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 3-Year RORE % Chart

CSU Digital Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 36.95 24.42 22.56 13.31 20.64

CSU Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.33 7.95 5.11 20.64 11.03

BSP:CSUD3 vs MSFT, ORCL, PLTR: 3-Year RORE % Comparison

For the Software - Infrastructure subindustry, CSU Digital's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Software Industry

For the Software industry and Technology sector, CSU Digital's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where CSU Digital's 3-Year RORE % falls into.


BSP:CSUD3
70GF Score
CSU Digital SA BSP:CSUD3
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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CSU Digital 3-Year RORE % Calculation

CSU Digital's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 2.466-2.243 )/( 6.927-4.905 )
=0.223/2.022
=11.03 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 11.03 mean?
CSU Digital (BSP:CSUD3) has a 3-Year RORE % of 11.03 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CSU Digital and its competitors. According to the industry distribution chart, CSU Digital ranks #1045 out of 2539 companies in the Software industry, placing it in the top 41.2%.
Is CSU Digital's 3-Year RORE % too high?
CSU Digital's current 3-Year RORE % is 11.03. The Software industry median 3-Year RORE % is 2.70. CSU Digital's value of 11.03 is 308.5% above this industry median. Based on the distribution chart, CSU Digital ranks #1045 out of 2539 companies in the Software industry, which is above the industry midpoint. 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 3-Year RORE % compare to MSFT and ORCL?
According to the Software industry distribution chart, CSU Digital ranks #1045 out of 2539 companies for 3-Year RORE %. This puts CSU Digital in the upper half of its industry. The industry median 3-Year RORE % is 2.70. CSU Digital's value of 11.03 is 308.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Software company?
The median 3-Year RORE % among Software companies is 2.70, based on 2,539 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSU Digital's current 3-Year RORE % of 11.03 is 308.5% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CSU Digital and its competitors. For the Software industry, the median 3-Year RORE % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSU Digital's current 3-Year RORE % is 11.03. 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$14.98 — trading 24.1% below its estimated fair value. The current 3-Year RORE % is 11.03 and 308.5% above the Software industry median of 2.70. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For CSU Digital (BSP:CSUD3), the current 3-Year RORE % is 11.03 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$14.98 is trading 24.1% below its estimated GF Value™ of R$19.74. GuruFocus considers CSU Digital to be Modestly Undervalued.

Key valuation signals for BSP:CSUD3:

  • 3-Year RORE %: 11.03
  • GF Value™: R$19.74 vs. price of R$14.98 (24.1% below fair value)
  • GF Score™: 70/100 with 4 warning signs
  • Industry Position: 308.5% above the Software median (#1045 of 2539)

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

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

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$14.98
Price
R$19.74
GF Value