CARD3 Stock Overview
CSU CardSystem S.A. engages in the processing of electronic payment transactions, customer relationships, and reward programs in Brazil.
Price History & Performance
|Historical stock prices|
|Current Share Price||R$12.00|
|52 Week High||R$28.98|
|52 Week Low||R$11.51|
|1 Month Change||-31.78%|
|3 Month Change||-42.28%|
|1 Year Change||-19.73%|
|3 Year Change||62.38%|
|5 Year Change||155.32%|
|Change since IPO||-31.43%|
Recent News & Updates
Does CSU Cardsystem (BVMF:CARD3) Have A Healthy Balance Sheet?
Some say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...
Here's Why We Think CSU Cardsystem (BVMF:CARD3) Is Well Worth Watching
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
CSU Cardsystem (BVMF:CARD3) Has A Rock Solid Balance Sheet
David Iben put it well when he said, 'Volatility is not a risk we care about. What we care about is avoiding the...
|CARD3||BR IT||BR Market|
Return vs Industry: CARD3 exceeded the BR IT industry which returned -39.6% over the past year.
Return vs Market: CARD3 underperformed the BR Market which returned -12.8% over the past year.
|CARD3 Average Weekly Movement||7.6%|
|IT Industry Average Movement||6.7%|
|Market Average Movement||6.7%|
|10% most volatile stocks in BR Market||10.5%|
|10% least volatile stocks in BR Market||3.2%|
Stable Share Price: CARD3 is not significantly more volatile than the rest of BR stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: CARD3's weekly volatility (8%) has been stable over the past year.
About the Company
CSU CardSystem S.A. engages in the processing of electronic payment transactions, customer relationships, and reward programs in Brazil. The company offers CSU. CardSystem solutions, such as processing, fraud prevention, contact center, back office, cards embossing, operation and network management, charge back, and web services to banks, Fintechs, and retailers; MarketSystem that provides relationship marketing, e-commerce, loyalty, and incentive solutions; and ITS that offers IT outsourcing and data center management services.
CSU Cardsystem Fundamentals Summary
|CARD3 fundamental statistics|
Is CARD3 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CARD3 income statement (TTM)|
|Cost of Revenue||R$353.68m|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.41|
|Net Profit Margin||11.50%|
How did CARD3 perform over the long term?See historical performance and comparison
3.7%Current Dividend Yield
Is CSU Cardsystem undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CARD3 (R$12) is trading below our estimate of fair value (R$17.28)
Significantly Below Fair Value: CARD3 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CARD3 is good value based on its PE Ratio (8.5x) compared to the South American IT industry average (12.9x).
PE vs Market: CARD3 is good value based on its PE Ratio (8.5x) compared to the BR market (9.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CARD3's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CARD3 is good value based on its PB Ratio (1.5x) compared to the XS IT industry average (1.8x).
How is CSU Cardsystem forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Software industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as CSU Cardsystem has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has CSU Cardsystem performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CARD3 has high quality earnings.
Growing Profit Margin: CARD3's current net profit margins (11.5%) are higher than last year (9.4%).
Past Earnings Growth Analysis
Earnings Trend: CARD3's earnings have grown by 6.4% per year over the past 5 years.
Accelerating Growth: CARD3's earnings growth over the past year (36.4%) exceeds its 5-year average (6.4% per year).
Earnings vs Industry: CARD3 earnings growth over the past year (36.4%) underperformed the IT industry 36.4%.
Return on Equity
High ROE: CARD3's Return on Equity (18.1%) is considered low.
How is CSU Cardsystem's financial position?
Financial Position Analysis
Short Term Liabilities: CARD3's short term assets (R$173.7M) exceed its short term liabilities (R$152.4M).
Long Term Liabilities: CARD3's short term assets (R$173.7M) exceed its long term liabilities (R$85.5M).
Debt to Equity History and Analysis
Debt Level: CARD3 has more cash than its total debt.
Reducing Debt: CARD3's debt to equity ratio has reduced from 19.6% to 10.9% over the past 5 years.
Debt Coverage: CARD3's debt is well covered by operating cash flow (348.3%).
Interest Coverage: CARD3's interest payments on its debt are well covered by EBIT (14.6x coverage).
What is CSU Cardsystem current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CARD3's dividend (3.73%) is higher than the bottom 25% of dividend payers in the BR market (1.29%).
High Dividend: CARD3's dividend (3.73%) is low compared to the top 25% of dividend payers in the BR market (5.83%).
Stability and Growth of Payments
Stable Dividend: CARD3's dividend payments have been volatile in the past 10 years.
Growing Dividend: CARD3's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (15.2%), CARD3's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Mr. Marcos Ribeiro Leite is a Founding Partner of CSU Cardsystem S.A. and serves as its Chief Executive Officer and Member of Executive Board. Mr. Leite served as the Chairman at CSU Cardsystem S.A. and se...
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
CSU Cardsystem S.A.'s employee growth, exchange listings and data sources
- Name: CSU Cardsystem S.A.
- Ticker: CARD3
- Exchange: BOVESPA
- Founded: 1992
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: R$487.145m
- Shares outstanding: 41.14m
- Website: https://www.csu.com.br
- CSU Cardsystem S.A.
- Rua Piaui, 136
- Nova Aldeinha
- São Paulo
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/12/02 22:57|
|End of Day Share Price||2021/12/02 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.