` CSUD3 (CSU Digital SA) vs 8253 (Credit Saison Co Ltd) Comparison - Alpha Spread

CSUD3
vs
8253

Over the past 12 months, CSUD3 has underperformed Credit Saison Co Ltd, delivering a return of +9% compared to the Credit Saison Co Ltd's +38% growth.

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CSUD3
8253
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Valuation Comparison

CSUD3 Intrinsic Value
25.57 BRL
Undervaluation 29%
Intrinsic Value
Price R$18.1
Intrinsic Value
9 129.36 JPY
Undervaluation 52%
Intrinsic Value
Price ¥4 391
Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
CSU Digital SA
BOVESPA:CSUD3
18.1 BRL
Credit Saison Co Ltd
TSE:8253
4 391 JPY
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Growth Comparison

Growth Over Time
CSUD3, 8253

CSUD3
8253
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
CSU Digital SA
Revenue
Credit Saison Co Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CSUD3, 8253

CSUD3
8253
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
CSU Digital SA
BOVESPA:CSUD3
Credit Saison Co Ltd
TSE:8253
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What is Free Cash Flow?

Gross Margin

CSUD3
37.5%
Credit Saison Co Ltd
86.5%

Operating Margin

CSUD3
18.2%
Credit Saison Co Ltd
35.9%

Net Margin

CSUD3
17%
Credit Saison Co Ltd
10.8%

FCF Margin

CSUD3
8.2%
Credit Saison Co Ltd
-42.5%

ROE

CSUD3
22.5%
Credit Saison Co Ltd
7.9%

ROA

CSUD3
14.7%
Credit Saison Co Ltd
1.2%

ROIC

CSUD3
18.4%
Credit Saison Co Ltd
3%

ROCE

CSUD3
20.2%
Credit Saison Co Ltd
4.3%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CSUD3, 8253

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Performance Gap
CSUD3, 8253

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CSUD3
8253
Difference
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Performance By Year
CSUD3, 8253

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CSUD3
8253
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett