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  3. •

    Multi-line insurance
Caixa Seguridade Participacoes SA

Caixa Seguridade Participacoes SA

21.30
BRL
-0.08
(-0.37%)
1.52EPS
12.96P/E
59.13BMarket Cap
Nov 09Next Earn
Caixa Seguridade Participacoes SA
B3:CXSE3
(B3)

Recent

price

21.30

P/E

ratio

12.96

div

yld

5.35%

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
BRL
0.17
0.22
0.22
0.3
0.37
0.56
0.66
0.78
0.82
0.84
Revenue per Share
0.43
0.49
0.51
0.59
0.63
1
1.19
1.26
1.44
1.52
Basic EPS, GAAP
0.32
0.39
0.4
0.99
0.53
0.81
0.94
1.2
1.29
1.24
Free Cash Flow per Basic Share
0.26
0.44
0.34
0.61
0.61
0.65
1.01
1.08
1.09
1.14
Dividend per Share
1.39
1.53
1.71
3.03
3.52
4.11
4.2
4.3
4.52
4.6
Book Value per Share
1.39
1.53
1.71
3.03
3.52
4.11
4.2
4.3
4.52
4.6
Tangible Book Value per Share
3,000
3,000
3,000
3,000
3,000
3,000
3,000
2,988
2,980
2,974
Basic Weighted Avg Shares
506
666
646
895
1,124
1,687
1,994
2,326
2,458
2,493
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,299
1,478
1,536
1,769
1,896
3,009
3,582
3,765
4,292
4,523
Net Income, GAAP
11.91
12.89
11.92
13.51
14.24
14.77
11.88
13.17
11.14
10.75
Effective Tax Rate (%)
256.44
221.73
237.66
197.77
168.72
178.32
179.62
161.85
174.59
181.39
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4,179
4,604
5,141
9,085
10,559
12,327
12,586
12,889
13,550
13,795
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
33.74
31.52
24.86
19.34
26.3
28.77
29.56
32.46
33.35
Return on Capital (%)
- -
33.65
31.53
24.88
19.3
26.3
28.76
29.56
32.46
33.35
Return on Common Equity (%)

Capital Structure

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,000
3,000
3,000
Market Capitalization
49,860
55,050
59,130

Working Capital

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,538
1,076
1,255
Accounts Receivable, Net
163
150
183
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

BRL

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
8.52%
5.13%
Free Cash Flow
- -
11.39%
6.69%
Net Income, GAAP
- -
20.8%
13.98%
Sales/Revenue/Turnover
- -
23.25%
5.66%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
543
544
573
667
2,326
2025
615
585
635
622
2,458
2026
621
615
- -
- -
- -

Quarterly Earnings Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.29
0.22
0.36
0.35
1.26
2025
0.35
0.34
0.38
0.37
1.44
2026
0.38
0.39
- -
- -
- -

Quarterly Dividends Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.28
0.21
1.08
2025
0.31
0.32
0.31
0.14
1.09
2026
0.35
0.33
- -
- -
- -
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Business
Caixa Seguridade Participações S.A. (CXSE3.SA) operates as a holding company that consolidates the insurance-related interests of Caixa Econômica Federal in Brazil, focusing on life and non-life insurance products; open private pensions; premium bonds and credit letters; capitalization securities; consortia; health and dental plans; assistance services; and insurance brokerage activities. The company offers a comprehensive portfolio including basic and life insurance through Caixa Seguradora S.A. and Youse Seguradora S.A.; health insurance via Caixa Seguradora Especializada em Saúde S.A.; housing and residential insurance through XS3 Seguros S.A. (Caixa Residencial); capitalization products from XS4 Capitalização S.A. (Caixa Capitalização); personal and damage insurance, as well as auto and credit life coverage via Too Seguros and PAN Corretora de Seguros Ltda.; private pension and credit life insurance by Caixa Vida e Previdência S.A.; consortia administered by XS5 Administradora de Consórcios S.A.; and assistance services from XS6 Assistência S.A. It primarily serves individual and corporate clients through CAIXA's extensive distribution network and partner channels, with operations concentrated in Brazil. Founded in 2015 and headquartered in Brasília, Brazil, Caixa Seguridade maintains indirect stakes in key joint ventures, including 48.25% in entities under CNP Seguros Holding S.A., 75% in XS3 Seguros, XS4 Capitalização, XS5 Administradora de Consórcios, and XS6 Assistência, 49% in Too Seguros and PAN Corretora, and 60% in Holding XS1 S.A., alongside wholly-owned subsidiaries Caixa Holding Securitária and Caixa Seguridade Corretagem e Administração de Seguros S.A. Recent developments include record written premiums in mortgage and home insurance segments during 3Q25, with nearly 29% growth year-over-year; strong performance from new partnerships, achieving 20.3% year-over-year growth in equity holdings; and ongoing emphasis on digital transformation, customer retention through multi-year plans and bundled products, and exploration of opportunities in credit life and personal insurance amid preparations for potential 2026 interest rate reductions.