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CIOX.Y Stock Overview

Through its subsidiaries, provides payment services in Brazil and the United States. More details

CIOX.Y fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	1/6
Past Performance	2/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 23.3% below our estimate of its fair value

Earnings are forecast to grow 4.77% per year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Cielo S.A. Competitors

Western Union

NYSE:WU

US$3.5b

PagSeguro Digital

NYSE:PAGS

US$2.2b

EVERTEC

NYSE:EVTC

US$2.1b

Paymentus Holdings

NYSE:PAY

US$3.8b

Price History & Performance

Summary of share price highs, lows and changes for Cielo
Historical stock prices
Current Share Price	R$0.94
52 Week High	R$1.07
52 Week Low	R$0.50
Beta	0.58
1 Month Change	-0.47%
3 Month Change	-6.44%
1 Year Change	13.98%
3 Year Change	61.26%
5 Year Change	-48.36%
Change since IPO	-78.86%

Recent updates

Shareholder Returns

	CIOX.Y	US Diversified Financial	US Market
7D	-2.6%	2.7%	-0.8%
1Y	14.0%	23.6%	25.2%

Return vs Industry: CIOX.Y underperformed the US Diversified Financial industry which returned 20.9% over the past year.

Return vs Market: CIOX.Y underperformed the US Market which returned 24.9% over the past year.

Price Volatility

Is CIOX.Y's price volatile compared to industry and market?
CIOX.Y volatility
CIOX.Y Average Weekly Movement	5.2%
Diversified Financial Industry Average Movement	5.2%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.3%

Stable Share Price: CIOX.Y has not had significant price volatility in the past 3 months.

Volatility Over Time: CIOX.Y's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1995	6,471	Estanislau Llobatera Bassols	www.cielo.com.br

Cielo S.A., through its subsidiaries, provides payment services in Brazil and the United States. The company provides 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. It 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; development and licensing of computer software; electronic transactions processing; and technology services for collection and management of accounts payable and receivable using the Internet.

Cielo S.A. Fundamentals Summary

How do Cielo's earnings and revenue compare to its market cap?
CIOX.Y fundamental statistics
Market cap	US$2.86b
Earnings (TTM)	US$331.86m
Revenue (TTM)	US$1.90b

8.6x

P/E Ratio

1.5x

P/S Ratio

Is CIOX.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CIOX.Y income statement (TTM)
Revenue	R$10.43b
Cost of Revenue	R$5.65b
Gross Profit	R$4.78b
Other Expenses	R$2.95b
Earnings	R$1.83b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.68
Gross Margin	45.81%
Net Profit Margin	17.51%
Debt/Equity Ratio	17.8%

How did CIOX.Y perform over the long term?

See historical performance and comparison

Dividends

4.9%

Current Dividend Yield

20%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/08/27 19:12
End of Day Share Price	2024/08/27 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Cielo S.A. is covered by 24 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Henrique Caldeira	Barclays
Roberto de Aguiar Attuch	Barclays
Luan Calimerio	BB Banco de Investimento S.A.