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    Health services

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    Managed health care
Qualicorp Consultoria e Corretora de Seguros S.A.

Qualicorp Consultoria e Corretora de Seguros S.A.

2.09
BRL
-0.05
(-2.34%)
0.10EPS
20.06P/E
523.31MMarket Cap
Nov 11Next Earn
Qualicorp Consultoria e Corretora de Seguros S.A.
B3:QUAL3F
(B3)

Recent

price

2.09

P/E

ratio

20.06

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
BRL
0.77
2.78
3.52
4.52
5.54
6.31
7.13
7.19
6.71
7.13
7.13
7.55
7.01
6.27
5.48
5.07
4.85
Revenue per Share
-0.08
-0.14
0.09
-0.12
0.47
0.83
1.47
1.28
1.33
1.33
1.38
1.32
0.33
-0.3
0.02
0.04
0.09
Basic EPS, GAAP
-5.44
-0.18
0.32
0.97
1.07
1.57
1.76
1.45
1.31
2.42
1.9
0.75
0.37
0.89
0.74
0.37
0.4
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
0.42
1.68
0.82
1.24
1.31
0.17
2.23
0.25
0.08
- -
0.01
- -
Dividend per Share
6.23
7.47
7.58
7.54
8.61
7.32
7.49
8.29
8.39
5
5.94
4.56
4.84
4.55
4.56
4.54
4.72
Book Value per Share
-2.45
-0.57
-2
-1.71
-0.7
-1.7
-1.08
0.37
-0.18
-2.6
-2.79
-5.29
-5.13
-4.6
-3.73
-3.25
-2.96
Tangible Book Value per Share
231
245
262
265
269
274
276
289
285
281
284
278
278
279
281
281
283
Basic Weighted Avg Shares
178
680
921
1,200
1,493
1,730
1,964
2,075
1,915
2,001
2,026
2,097
1,951
1,750
1,542
1,427
1,371
Sales/Revenue/Turnover
2.94
7.37
18.64
28.26
30.78
27.52
33
39.17
39.6
40
34.96
34.64
23.84
13.3
21.93
23.17
29.15
Operating Margin (%)
35
130
162
177
214
222
216
228
323
381
367
363
415
475
400
300
252
Depreciation Expense
-17
-34
22
-32
126
227
405
371
380
372
392
366
93
-82
7
11
26
Net Income, GAAP
- -
- -
63.86
437.25
48.82
39.9
8.66
33.84
37.82
30.76
28.45
31.94
30.84
- -
- -
96.39
79.96
Effective Tax Rate (%)
-9.75
-4.98
2.42
-2.64
8.44
13.13
20.6
17.86
19.84
18.6
19.35
17.45
4.76
-4.71
0.43
0.75
1.9
Profit Margin (%)
24
188
-25
119
456
234
164
627
-66
435
491
-1,369
523
315
155
-126
-559
Working Capital
354
296
217
119
518
519
606
609
- -
1,368
1,319
306
2,219
1,658
1,308
1,096
541
LT Debt
1,612
1,938
1,992
2,020
2,357
1,994
2,068
2,367
2,354
1,408
1,685
1,275
1,357
1,286
1,302
1,308
1,354
Total Equity
- -
- -
1.23
-33.88
8.05
9.17
17.01
14.03
13.6
14.32
14.83
12.73
7.07
- -
- -
0.32
2.27
Return on Invested Capital (%)
- -
- -
1.47
-6.24
5.08
9.51
17.81
14.14
14.67
14.45
14.61
12.5
7.5
- -
- -
0.43
2.57
Return on Capital (%)
-1.99
-1.91
1.13
-1.58
5.78
10.46
19.97
16.73
16.09
19.78
25.37
24.8
7.1
-6.3
0.52
0.83
1.97
Return on Common Equity (%)

Capital Structure

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
666
718
670
LT Borrowings
1,083
1,051
529
LT Finance Leases
14
12
11
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
284
281
283
Market Capitalization
636
580
523

Working Capital

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
1,224
1,281
771
Cash, Cash Equivalents & STI
926
1,022
414
Accounts Receivable, Net
117
102
106
Inventories
- -
- -
- -
Total Current Liabilities
1,350
1,396
1,330
Payables & Accruals
- -
- -
- -
ST Debt
666
718
670
Deferred Revenue
- -
- -
- -

Growth Rates

BRL

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-2.43%
-4.28%
0.52%
Free Cash Flow
1.31%
-7.25%
-49.96%
Net Income, GAAP
-24.04%
-63.2%
62.11%
Sales/Revenue/Turnover
-1.59%
-6.62%
-7.46%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
404
399
383
384
1,542
2025
362
346
363
356
1,427
2026
334
318
- -
- -
- -

Quarterly Earnings Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.06
0.05
0.04
-0.12
0.02
2025
0.05
0.06
0.04
-0.12
0.04
2026
0.07
0.1
- -
- -
- -

Quarterly Dividends Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
0.01
2026
- -
- -
- -
- -
- -
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Business
Qualicorp Consultoria e Corretora de Seguros S.A. is a leading Brazilian company specializing in health insurance and related services. The company primarily operates as a consulting and brokerage firm, offering health insurance plans, dental insurance plans, group health plans, and life insurance products. Its service portfolio includes managing health care benefits and providing access to health insurance for individuals and corporate clients, often through strategic partnerships with insurance carriers. Founded in 1997 and headquartered in São Paulo, Brazil, Qualicorp serves a broad client base encompassing individual consumers, corporations, and associations throughout Brazil. In recent years, Qualicorp has implemented strategic business expansions and operational enhancements. Key developments include the launch of new digital platforms aimed at simplifying health insurance access and management, partnerships with leading insurers to broaden its product offerings, and acquisitions to strengthen its market positioning in health services. The company has also emphasized expanding its footprint in underserved markets within Brazil by tailoring health insurance products to the needs of lower-income segments and forging alliances to innovate customer engagement. No recent name changes or major rebranding has been reported as of 2025. Qualicorp operates across Brazil, leveraging its expertise in health insurance consulting and brokerage to cater to diverse market segments including individual consumers, companies, and associations. As a financial and insurance services firm, it plays a significant role in Brazil's health insurance ecosystem by facilitating access and providing value-added services. The company is listed on the Brazilian stock exchange under the ticker QUAL3.SA and maintains a solid presence in the industry through its subsidiaries and partnerships with insurance providers. Its comprehensive portfolio and recent strategic initiatives position Qualicorp as a key player in Brazil’s health insurance market.