Cielo (BOVESPA:CIEL3) - Stock Price, News & Analysis

CIEL3 Stock Overview

Cielo S.A., through its subsidiaries, provides payment services in Brazil.

CIEL3 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	5/6
Dividends	3/6

Rewards

Price-To-Earnings ratio (6.1x) is below the BR market (11.1x)

Became profitable this year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

Cielo S.A. Competitors

CSU Digital

BOVESPA:CSUD3

R$771.5m

Banco do Nordeste do Brasil

BOVESPA:BNBR3

R$8.6b

Al Ansari Financial Services PJSC

DFM:ALANSARI

د.إ8.0b

EVERTEC

NYSE:EVTC

US$2.5b

Price History & Performance

Summary of all time highs, changes and price drops for Cielo
Historical stock prices
Current Share Price	R$4.38
52 Week High	R$5.82
52 Week Low	R$3.24
Beta	0.70
1 Month Change	13.18%
3 Month Change	19.02%
1 Year Change	0.69%
3 Year Change	12.89%
5 Year Change	-53.60%
Change since IPO	-48.01%

Recent updates

Is Cielo S.A.'s (BVMF:CIEL3) Stock Price Struggling As A Result Of Its Mixed Financials?

Jul 01

Shareholder Returns

	CIEL3	BR Diversified Financial	BR Market
7D	0.9%	1.4%	-0.4%
1Y	0.7%	7.8%	11.7%

Return vs Industry: CIEL3 underperformed the BR Diversified Financial industry which returned 8.1% over the past year.

Return vs Market: CIEL3 underperformed the BR Market which returned 11.5% over the past year.

Price Volatility

Is CIEL3's price volatile compared to industry and market?
CIEL3 volatility
CIEL3 Average Weekly Movement	5.7%
Diversified Financial Industry Average Movement	5.5%
Market Average Movement	5.2%
10% most volatile stocks in BR Market	8.8%
10% least volatile stocks in BR Market	2.6%

Stable Share Price: CIEL3 is not significantly more volatile than the rest of BR stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: CIEL3's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1995	5,955	Estanislau Llobatera Bassols	https://www.cielo.com.br

Cielo S.A., through its subsidiaries, provides payment services in Brazil. It is involved in the provision of services related to credit and debit cards, and other payment methods, including signing up of merchants and service providers; rental, installation, and maintenance of point-of-sale terminals; and data capture and processing of electronic and manual transactions, as well as the issuance and management of payment accounts. The company also offers services related to the processing means of payments that involve cards, maintenance services, and contacts with merchants for acceptance of credit and debit cards; data transmission services to load fixed or mobile phone credits; software development and licensing of computer software; electronic transactions processing; IT services for collection and management of accounts payable and receivable through the Internet; and data processing services.

Cielo S.A. Fundamentals Summary

How do Cielo's earnings and revenue compare to its market cap?
CIEL3 fundamental statistics
Market Cap	R$11.81b
Earnings (TTM)	R$1.93b
Revenue (TTM)	R$10.58b

6.1x

P/E Ratio

1.1x

P/S Ratio

Is CIEL3 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
CIEL3 income statement (TTM)
Revenue	R$10.58b
Cost of Revenue	R$5.66b
Gross Profit	R$4.92b
Other Expenses	R$2.99b
Earnings	R$1.93b

Last Reported Earnings

Sep 30, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	0.72
Gross Margin	46.49%
Net Profit Margin	18.27%
Debt/Equity Ratio	43.4%

How did CIEL3 perform over the long term?

See historical performance and comparison

Dividends

5.7%

Current Dividend Yield

12%

Payout Ratio

CIEL3 Stock Overview

Rewards

Risk Analysis

Cielo S.A. Competitors

BOVESPA:CSUD3

R$771.5m

BOVESPA:BNBR3

R$8.6b

DFM:ALANSARI

د.إ8.0b

NYSE:EVTC

US$2.5b

Price History & Performance

Recent News & Updates

Investor sentiment improves as stock rises 15%

Third quarter 2023 earnings: EPS in line with expectations, revenues disappoint

New major risk - Financial position

Second quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

First quarter 2023 earnings: Revenues miss analyst expectations

Consensus EPS estimates increase by 12%

Recent updates

Investor sentiment improves as stock rises 15%

Third quarter 2023 earnings: EPS in line with expectations, revenues disappoint

New major risk - Financial position

Second quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

First quarter 2023 earnings: Revenues miss analyst expectations

Consensus EPS estimates increase by 12%

Full year 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

Cielo (BVMF:CIEL3) Has A Pretty Healthy Balance Sheet

Cielo S.A. to Report Q4, 2022 Results on Jan 26, 2023

Cielo S.A. to Report Fiscal Year 2022 Results on Feb 01, 2023

Cielo (BVMF:CIEL3) Is Finding It Tricky To Allocate Its Capital

Less than half of directors are independent

Consensus forecasts updated

Third quarter 2022 earnings: EPS exceeds analyst expectations

Does Cielo (BVMF:CIEL3) Have A Healthy Balance Sheet?

At R$5.27, Is It Time To Put Cielo S.A. (BVMF:CIEL3) On Your Watch List?

Price target increased to R$5.32

Investors Could Be Concerned With Cielo's (BVMF:CIEL3) Returns On Capital

Consensus forecasts updated

Price target increased to R$4.27

We Think Cielo (BVMF:CIEL3) Can Stay On Top Of Its Debt

Price target increased to R$3.83

Price target increased to R$3.67

Is Now An Opportune Moment To Examine Cielo S.A. (BVMF:CIEL3)?

Investor sentiment improved over the past week

Cielo's (BVMF:CIEL3) Earnings Are Of Questionable Quality

First quarter 2022 earnings: Revenues miss analyst expectations

Now 24% undervalued

Less than half of directors are independent

Cielo's (BVMF:CIEL3) Returns On Capital Tell Us There Is Reason To Feel Uneasy

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Cielo (BVMF:CIEL3) Could Easily Take On More Debt

Full year 2021 earnings: Revenues miss analyst expectations

Price target decreased to R$3.10

What Is Cielo S.A.'s (BVMF:CIEL3) Share Price Doing?

Cielo S.A.(BOVESPA:CIEL3) dropped from Brazil IBRX 50 Index

There Are Reasons To Feel Uneasy About Cielo's (BVMF:CIEL3) Returns On Capital

Investor sentiment improved over the past week

Price target decreased to R$3.51

We Think Cielo (BVMF:CIEL3) Can Stay On Top Of Its Debt

Why Cielo S.A. (BVMF:CIEL3) Could Be Worth Watching

Cielo (BVMF:CIEL3) Could Be Struggling To Allocate Capital

Investor sentiment deteriorated over the past week

Is Cielo (BVMF:CIEL3) A Risky Investment?

Second quarter 2021 earnings released: EPS R$0.07 (vs R$0.028 loss in 2Q 2020)

Executive Officer has left the company

New 90-day low: R$3.38

Investor sentiment improved over the past week

Earnings beat expectations, revenue disappoints

New 90-day high: R$4.16

Cielo S.A., Annual General Meeting, Apr 23, 2021

Cielo S.A. to Report Q4, 2020 Results on Jan 26, 2021

New 90-day high: R$4.00

Price target lowered to R$4.92

New 90-day low: R$3.37

Third-quarter earnings released: Revenue beats expectations, earnings disappoint

Third quarter earnings released

New 90-day low: R$3.67