1. Brazil Stocks

  2. •

    Finance

  3. •

    Property/Casualty insurance
Porto Seguro S.A.

Porto Seguro S.A.

51.79
BRL
-0.05
(-0.10%)
5.76EPS
9.23P/E
33.79BMarket Cap
Nov 05Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
20.01
23.37
25.3
26.8
28.9
27.58
29.73
30.49
34.55
37.94
52.29
57.03
66.76
69.3
Basic EPS, GAAP
2.16
1.36
1.54
1.42
1.7
2.03
2.13
2.6
2.4
1.77
3.5
4.13
5.28
5.71
Free Cash Flow per Basic Share
1.51
0.77
0.86
0.25
1.11
0.99
1.19
1.23
1.13
0.91
-0.98
3.33
1.5
2.21
Dividend per Share
0.18
0.99
0.32
0.07
0.5
1.92
1.01
1.06
1.31
0.98
0.55
1.31
1.86
0.84
Book Value per Share
9.11
9.28
9.95
10.82
11.93
11.82
12.8
14.07
14.68
16.49
19.37
21.94
24.58
25.16
Tangible Book Value per Share
6.9
6.97
7.4
8
8.91
8.73
9.65
10.7
10.95
10.78
13.41
15.98
18.47
18.85
Basic Weighted Avg Shares
650
646
649
647
648
647
646
649
644
644
647
640
640
645
Sales/Revenue/Turnover
13,013
15,105
16,412
17,331
18,730
17,847
19,207
19,781
22,251
24,439
33,835
36,527
42,748
44,695
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
131
160
196
207
226
253
237
228
230
284
381
413
423
425
Net Income, GAAP
1,405
876
1,002
916
1,101
1,311
1,379
1,688
1,544
1,140
2,266
2,645
3,381
3,684
Effective Tax Rate (%)
37.24
34.25
29.3
31.89
28.35
39.55
31.96
35.2
9.99
12.49
34.66
31.79
26.2
21.08
Profit Margin (%)
10.8
5.8
6.1
5.28
5.88
7.34
7.18
8.53
6.94
4.66
6.7
7.24
7.91
8.24
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
179
315
595
869
531
346
1,805
1,841
3,601
2,340
1,222
556
700
1,003
Total Equity
5,894
5,999
6,436
7,001
7,716
7,644
8,270
9,004
9,365
10,578
12,498
14,145
15,871
16,223
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
25.14
14.32
15.35
12.75
19.58
20.44
15.38
16.87
13.66
10.92
18.18
18.68
21.55
22.83
Return on Common Equity (%)
25.65
14.74
16.11
13.63
14.96
17.07
17.33
19.55
16.81
11.47
19.76
19.99
22.7
24.07

Capital Structure

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
20
16
30
LT Borrowings
589
694
895
LT Finance Leases
111
111
108
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
640
640
641
Market Capitalization
31,083
32,240
33,787

Working Capital

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,898
1,993
1,822
Accounts Receivable, Net
904
844
874
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
20
16
30
Deferred Revenue
- -
- -
- -

Growth Rates

BRL

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.56%
12.1%
12.2%
Free Cash Flow
-44.86%
-145.71%
-54.83%
Net Income, GAAP
16.7%
21.72%
27.83%
Sales/Revenue/Turnover
10.53%
17.15%
17.03%
Total Cash Common Dividend
90.4%
26.09%
41.94%

Quarterly Revenue

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9,023
9,233
9,637
8,750
36,527
2025
10,209
10,487
10,986
11,122
42,748
2026
11,162
11,424
- -
- -
- -

Quarterly Earnings Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.01
0.91
1.14
1.05
4.13
2025
1.3
1.35
1.28
1.31
5.28
2026
1.77
1.35
- -
- -
- -

Quarterly Dividends Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
0.34
1.31
2025
- -
- -
- -
0.84
1.86
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Paulo Sergio Kakinoff
Full Time Employees
13,624
Sector
Finance
Industry
Property/Casualty insurance
Address
Rua Barão de Piracicaba, 740 São Paulo SP Brazil 01216-012
IPO Date
Dec 13, 2004
Website
portoseguro.com.br
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Business
Porto Seguro S.A. (PSSA3.SA) operates as a leading Brazilian insurance holding company, providing a comprehensive range of insurance products and services across multiple segments including auto, health and dental, property and casualty, personal accident, life, business, financial risk, and reinsurance; it also offers consortia for automobiles and real estate, supplementary pensions, financing, credit cards, protection and monitoring services, telecommunications, and assistance services for vehicles, homes, and condominiums through brands such as Porto Seguro, Porto Saúde, Porto Bank, Porto Serviço, Azul Seguros, Itaú Seguros de Auto e Residência, and Porto Seguro Uruguay. Founded in 1945 and headquartered in São Paulo, Brazil, the company maintains extensive operations throughout Brazil with over 100 branches and regional offices serving 18 million unique clients via 46,000 independent brokers, 14,000 employees, and 13,000 service providers, alongside a presence in Uruguay. In recent years, Porto Seguro has pursued strategic expansions through mergers and acquisitions including stakes in Segfy for broker technology solutions and ConectCar for toll payment systems, a transaction transferring Porto.Pet to Petlove, partnerships with Oncoclínicas for cancer care and Mitsui Sumitomo for coinsurance in auto, residential, and SME products, the merger of Porto Assistência with CDF for B2B assistance, and the acquisition of Unigás for gas heating services; it has also launched innovative offerings such as subscription-based auto insurance under Azul por Assinatura and Auto Fácil Itaú, the digital rental guarantee Aluguel Essencial, and enhanced health plans with selective networks, while in 2021 segmenting operations into four verticals—Insurance, Healthcare, Bank, and Services—and engaging in 2025 discussions with private equity firms like Summit Partners for a potential minority stake sale in its health business to fuel growth.