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

CIEL3 Stock Overview

Cielo S.A., through its subsidiaries, provides payment services in Brazil and the United States.

CIEL3 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	2/6

Rewards

Price-To-Earnings ratio (7.2x) is below the BR market (10.2x)

Earnings grew by 33% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 0.3% per year for the next 3 years

Dividend of 5.07% is not well covered by cash flows

Cielo S.A. Competitors

CSU Digital

BOVESPA:CSUD3

R$734.0m

Banco do Nordeste do Brasil

BOVESPA:BNBR3

R$9.0b

B3 - Brasil Bolsa Balcão

BOVESPA:B3SA3

R$61.4b

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$5.59
52 Week High	R$5.82
52 Week Low	R$3.24
Beta	0.60
1 Month Change	4.88%
3 Month Change	14.08%
1 Year Change	6.27%
3 Year Change	59.26%
5 Year Change	-25.37%
Change since IPO	-33.64%

Here's What Analysts Are Forecasting For Cielo S.A. (BVMF:CIEL3) After Its Full-Year Results

Feb 09

Recent updates

Here's What Analysts Are Forecasting For Cielo S.A. (BVMF:CIEL3) After Its Full-Year Results

Feb 09

Investors Still Aren't Entirely Convinced By Cielo S.A.'s (BVMF:CIEL3) Revenues Despite 26% Price Jump

Dec 27

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	2.2%	1.5%	0.4%
1Y	6.3%	15.6%	13.9%

Return vs Industry: CIEL3 underperformed the BR Diversified Financial industry which returned 16.8% over the past year.

Return vs Market: CIEL3 underperformed the BR Market which returned 14.9% over the past year.

Price Volatility

Is CIEL3's price volatile compared to industry and market?
CIEL3 volatility
CIEL3 Average Weekly Movement	2.6%
Diversified Financial Industry Average Movement	4.9%
Market Average Movement	4.7%
10% most volatile stocks in BR Market	8.8%
10% least volatile stocks in BR Market	2.3%

Stable Share Price: CIEL3 has not had significant price volatility in the past 3 months.

Volatility Over Time: CIEL3's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1995	6,376	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?
CIEL3 fundamental statistics
Market cap	R$15.08b
Earnings (TTM)	R$2.09b
Revenue (TTM)	R$10.60b

7.2x

P/E Ratio

1.4x

P/S Ratio

Is CIEL3 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CIEL3 income statement (TTM)
Revenue	R$10.60b
Cost of Revenue	R$5.61b
Gross Profit	R$4.99b
Other Expenses	R$2.90b
Earnings	R$2.09b

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

Apr 25, 2024

Earnings per share (EPS)	0.77
Gross Margin	47.09%
Net Profit Margin	19.69%
Debt/Equity Ratio	34.7%

How did CIEL3 perform over the long term?

See historical performance and comparison

Dividends

5.1%

Current Dividend Yield

37%

Payout Ratio

CIEL3 Stock Overview

Rewards

Risk Analysis

Cielo S.A. Competitors

BOVESPA:CSUD3

R$734.0m

BOVESPA:BNBR3

R$9.0b

BOVESPA:B3SA3

R$61.4b

NYSE:EVTC

US$2.5b

Price History & Performance

Recent News & Updates

Cielo S.A. to Report Q1, 2024 Results on Apr 25, 2024

Upcoming dividend of R$0.15 per share

Here's What Analysts Are Forecasting For Cielo S.A. (BVMF:CIEL3) After Its Full-Year Results

New major risk - Financial position

Full year 2023 earnings: Revenues miss analyst expectations

Cielo S.A. to Report Q4, 2023 Results on Feb 05, 2024

Recent updates

Cielo S.A. to Report Q1, 2024 Results on Apr 25, 2024

Upcoming dividend of R$0.15 per share

Here's What Analysts Are Forecasting For Cielo S.A. (BVMF:CIEL3) After Its Full-Year Results

New major risk - Financial position

Full year 2023 earnings: Revenues miss analyst expectations

Cielo S.A. to Report Q4, 2023 Results on Feb 05, 2024

New major risk - Revenue and earnings growth

Cielo S.A., Annual General Meeting, Apr 18, 2024

Investors Still Aren't Entirely Convinced By Cielo S.A.'s (BVMF:CIEL3) Revenues Despite 26% Price Jump

Upcoming dividend of R$0.066 per share at 5.5% yield

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