CIOXY — Stock Film
STOCK FILMSCENE 1/11CIOXY · $0.84
Stock Expert AI presents
CIOXY
Cielo S.A
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Cielo S.A. What it actually does.

Provides payment services in Brazil. Offers credit and debit card processing solutions. Now — the numbers.

on the stock market since 2010
6,471 employees
$2.4B market value
Revenue last year:
$2.1B
The net profit left over:
$407.1M
Out of every $100 in sales, $20 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 20%

This is an established company with proven profits.

THE SALES TREND
Sales are moving sideways.

No real growth (-2% a year).

$2.2B
2019
2020
2021
2022
$2.1B
2023
Cash on hand:
$244.7M
Total debt:
$1.5B
The debt outweighs the cash.

The gap is $1.3B. In times of high interest rates, a gap like that can squeeze a company.

THE PRICE TAG
MARKET VALUE / ANNUAL PROFIT
5.8×

The market pays 5.8× for every dollar of annual profit — cheap, which is either an opportunity or a warning.

No analyst target is on record for this company.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 4 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Fat profit per sale, but shrinking8/10
WEAK SPOTS
The stock has lost its spark0/10
Sales are shrinking2/10
Little set aside for the future2/10
WORTH WATCHING

Revenue Growth: Sales are going backwards, not just slowing.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 26% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/2
A fat but narrowing margin

The net profit margin is 20% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/2
Pays a steady dividend

It pays out $0.09 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/2
Trading under $1

The stock sits at $0.84. Under exchange rules, stocks that stay below $1 for too long risk being removed from the market.

2
THE RISKS · 2/2
Sales are shrinking

Over the last 4 years, sales fell about 2% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.

FINALE · THE GRADE
grade pending

We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.

One-line summary: few numbers, an untested story. Keep watching.

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Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.

This was a film — not investment advice.
Data: FMP & company filings
Sep 12, 2026 · stockexpertai.com · Stock Film