Stock CSUD3 CSU DIGITAL S.A.
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Financials CSU Digital S.A.

Equities

CSUD3

BRCSUDACNOR5

Consumer Lending

Market Closed - Sao Paulo
Other stock markets
 21:05:00 31/05/2024 BST 		5-day change 1st Jan Change
18.38 BRL +9.12% Intraday chart for CSU Digital S.A. -3.47% -6.08%
05-09 Transcript : CSU Digital S.A., Q1 2024 Earnings Call, May 09, 2024
05-08 CSU Digital S.A. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 283.1 503.9 620.3 537.3 503 807.4
Enterprise Value (EV) 1 309 593 669.7 558.1 502.2 800.9
P/E ratio 8.64 x 18.7 x 13.2 x 8.86 x 6.78 x 9.11 x
Yield 3.57% 2.09% 2.02% 5.62% 7.32% 3.33%
Capitalization / Revenue 0.67 x 1.16 x 1.36 x 1.05 x 0.94 x 1.52 x
EV / Revenue 0.74 x 1.37 x 1.47 x 1.09 x 0.93 x 1.51 x
EV / EBITDA 5.43 x 10.8 x 8.56 x 5.6 x 4.53 x 6.57 x
EV / FCF -27.1 x 16.6 x 9.03 x 9.32 x 7.25 x 16.9 x
FCF Yield -3.69% 6.02% 11.1% 10.7% 13.8% 5.9%
Price to Book 1.18 x 1.96 x 2.12 x 1.57 x 1.32 x 1.88 x
Nbr of stocks (in thousands) 41,093 41,104 41,104 41,144 41,229 41,256
Reference price 2 6.890 12.26 15.09 13.06 12.20 19.57
Announcement Date 27/02/19 11/03/20 04/03/21 09/03/22 21/03/23 20/03/24
1BRL in Million2BRL
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 419.8 433.7 456.8 514 537.2 530.2
EBITDA 1 56.92 54.82 78.19 99.62 110.8 121.9
EBIT 1 47.97 44.61 70.85 91.56 104.5 117.5
Operating Margin 11.43% 10.29% 15.51% 17.81% 19.46% 22.16%
Earnings before Tax (EBT) 1 44.5 34.09 65.37 85.58 101 116.8
Net income 1 32.8 26.83 46.78 60.49 73.57 88.42
Net margin 7.81% 6.19% 10.24% 11.77% 13.7% 16.68%
EPS 2 0.7978 0.6540 1.140 1.474 1.799 2.148
Free Cash Flow 1 -11.4 35.68 74.15 59.87 69.28 47.26
FCF margin -2.72% 8.23% 16.23% 11.65% 12.9% 8.91%
FCF Conversion (EBITDA) - 65.09% 94.84% 60.1% 62.53% 38.77%
FCF Conversion (Net income) - 132.98% 158.51% 98.98% 94.17% 53.45%
Dividend per Share 2 0.2462 0.2567 0.3041 0.7340 0.8927 0.6522
Announcement Date 27/02/19 11/03/20 04/03/21 09/03/22 21/03/23 20/03/24
1BRL in Million2BRL
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 25.8 89 49.4 20.8 - -
Net Cash position 1 - - - - 0.75 6.54
Leverage (Debt/EBITDA) 0.4538 x 1.624 x 0.6319 x 0.2088 x - -
Free Cash Flow 1 -11.4 35.7 74.2 59.9 69.3 47.3
ROE (net income / shareholders' equity) 14.1% 10.8% 17% 19% 20.3% 21.8%
ROA (Net income/ Total Assets) 7.55% 6.27% 8.55% 10.3% 11.1% 12%
Assets 1 434.3 427.8 547 586.3 662.6 733.8
Book Value Per Share 2 5.860 6.260 7.110 8.330 9.260 10.40
Cash Flow per Share 2 0.7100 0.6900 2.040 2.020 2.100 1.820
Capex 1 8.21 10.5 8.58 3.43 3.29 4.14
Capex / Sales 1.96% 2.43% 1.88% 0.67% 0.61% 0.78%
Announcement Date 27/02/19 11/03/20 04/03/21 09/03/22 21/03/23 20/03/24
1BRL in Million2BRL
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
18.38 BRL
Average target price
21 BRL
Spread / Average Target
+14.25%
Consensus

Annual profits - Rate of surprise

Company calendar

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Other Consumer Lending
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