Cielo S.A., through its subsidiaries, provides payment services in Brazil.
+ 1 more risk
Fair value with mediocre balance sheet.
Share Price & News
How has Cielo's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CIOX.Y has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CIOX.Y underperformed the US IT industry which returned 39.9% over the past year.
Return vs Market: CIOX.Y underperformed the US Market which returned 24.7% over the past year.
Price Volatility Vs. Market
How volatile is Cielo's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Cielo undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CIOX.Y ($1.78) is trading above our estimate of fair value ($0.74)
Significantly Below Fair Value: CIOX.Y is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CIOX.Y is good value based on its PE Ratio (8.7x) compared to the IT industry average (32x).
PE vs Market: CIOX.Y is good value based on its PE Ratio (8.7x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: CIOX.Y's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CIOX.Y is good value based on its PB Ratio (2.2x) compared to the US IT industry average (4.2x).
How is Cielo forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CIOX.Y's earnings are forecast to decline over the next 3 years (-5.2% per year).
Earnings vs Market: CIOX.Y's earnings are forecast to decline over the next 3 years (-5.2% per year).
High Growth Earnings: CIOX.Y's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CIOX.Y's revenue (1.6% per year) is forecast to grow slower than the US market (7.5% per year).
High Growth Revenue: CIOX.Y's revenue (1.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CIOX.Y's Return on Equity is forecast to be low in 3 years time (11.5%).
How has Cielo performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CIOX.Y has a high level of non-cash earnings.
Growing Profit Margin: CIOX.Y's current net profit margins (20.2%) are lower than last year (29.2%).
Past Earnings Growth Analysis
Earnings Trend: CIOX.Y's earnings have declined by -2.1% per year over the past 5 years.
Accelerating Growth: CIOX.Y's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CIOX.Y had negative earnings growth (-32.9%) over the past year, making it difficult to compare to the IT industry average (16.2%).
Return on Equity
High ROE: CIOX.Y's Return on Equity (19.2%) is considered low.
Return on Assets
Return on Capital Employed
How is Cielo's financial position?
Financial Position Analysis
Short Term Liabilities: CIOX.Y's short term assets (R$72.5B) exceed its short term liabilities (R$63.6B).
Long Term Liabilities: CIOX.Y's short term assets (R$72.5B) exceed its long term liabilities (R$10.5B).
Debt to Equity History and Analysis
Debt Level: CIOX.Y's debt to equity ratio (91.1%) is considered high.
Reducing Debt: CIOX.Y's debt to equity ratio has increased from 64.6% to 91.1% over the past 5 years.
Debt Coverage: CIOX.Y's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: CIOX.Y's interest payments on its debt are well covered by EBIT (6.2x coverage).
Inventory Level: CIOX.Y has a low level of unsold assets or inventory.
Debt Coverage by Assets: CIOX.Y's debt is covered by short term assets (assets are 6.1x debt).
What is Cielo's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: CIOX.Y's dividend (2.53%) is higher than the bottom 25% of dividend payers in the US market (1.4%).
High Dividend: CIOX.Y's dividend (2.53%) is low compared to the top 25% of dividend payers in the US market (3.66%).
Stability and Growth of Payments
Stable Dividend: CIOX.Y's dividend payments have been volatile in the past 10 years.
Growing Dividend: CIOX.Y's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (22.1%), CIOX.Y's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CIOX.Y's dividends in 3 years are forecast to be well covered by earnings (49% payout ratio).
What is the CEO of Cielo's salary, the management and board of directors tenure and is there insider trading?
Average management tenure
Paulo Caffarelli (54yo)
Mr. Paulo Rogério Caffarelli, also known as Rog, has been the Chief Executive Officer at Cielo SA since November 05, 2018. Mr. Caffarelli had been the President of the Board of Banco do Brasil S.A. since M ...
Management Age and Tenure
Experienced Management: CIOX.Y's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
Board Age and Tenure
Experienced Board: CIOX.Y's board of directors are not considered experienced ( 1.9 years average tenure), which suggests a new board.
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.
Paulo Caffarelli (54yo)
Chief Executive Officer
- Tenure: 1.2yrs
Renata De Paiva Greco (49yo)
Executive VP - Commercial Large Accounts & Member of the Board of Executive Officers
Carlos César Righetti (52yo)
Danilo Caffaro (36yo)
Executive VP - Products & Business and Member of the Board of Executive Officers
Jean Leroy (55yo)
Head of Investor Relations
Sérgio Saraiva Castelo de Pontes
Executive VP of Organizational Development and Member of the Board of Executive Officers
- Tenure: 2.4yrs
Gustavo Henrique de Sousa
Executive VP of Finance & Investor Relations Officer
- Tenure: 0.8yrs
Head of Business Analytics
Danilo Ricardo Zimmermann
Member of the Board of Executive Officers
Head of Treasury Department
- Tenure: 0.3yrs
Aldo Mendes (61yo)
- Tenure: 1.9yrs
Gilberto Mifano (70yo)
- Tenure: 9.8yrs
Francisco da Costa e Silva (71yo)
- Tenure: 10.6yrs
Marcelo de Araújo Noronha (54yo)
Chairman of the Board
- Tenure: 1.7yrs
Francisco José Terra (49yo)
- Tenure: 1.8yrs
Marcelo Dall’Occo (53yo)
Chairman of Fiscal Council
- Tenure: 3.8yrs
Vinícius Favarão (44yo)
- Tenure: 2.6yrs
Marcelo de Toniolo
- Tenure: 1yrs
- Tenure: 1yrs
Mauro Neto (31yo)
- Tenure: 0.4yrs
Cielo S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Cielo S.A.
- Ticker: CIOX.Y
- Exchange: OTCPK
- Founded: 1995
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: R$19.125b
- Listing Market Cap: R$4.573b
- Shares outstanding: 2.71b
- Website: https://www.cielo.com.br
- Cielo S.A.
- Alameda Xingu, 512
- São Paulo
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CIEL3||BOVESPA (Bolsa de Valores de Sao Paulo)||Yes||Common Shares||BR||BRL||Jun 2009|
|CIOX.Y||OTCPK (Pink Sheets LLC)||SPONSORED ADR||US||USD||Mar 2010|
Cielo S.A., through its subsidiaries, provides payment services in Brazil. The company 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. It also offers services related in 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 programs; electronic transactions processing; IT services for collection and management of accounts payable and receivable; and data processing services and support services to medical companies. The company was formerly known as Companhia Brasileira de Meios de Pagamento and changed its name to Cielo S.A. in December 2009. Cielo S.A. was founded in 1995 and is headquartered in Barueri, Brazil.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/01/21 00:26|
|End of Day Share Price||2020/01/17 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.