Qualicorp Consultoria e Corretora de Seguros S.A.
Price History & Performance
|Historical stock prices|
|Current Share Price||R$17.80|
|52 Week High||R$17.55|
|52 Week Low||R$36.05|
|1 Month Change||-17.25%|
|3 Month Change||-31.83%|
|1 Year Change||-48.41%|
|3 Year Change||20.52%|
|5 Year Change||-12.66%|
|Change since IPO||18.27%|
Recent News & Updates
Returns on Capital Paint A Bright Future For Qualicorp Consultoria e Corretora de Seguros (BVMF:QUAL3)
If we want to find a potential multi-bagger, often there are underlying trends that can provide clues. Firstly, we'd...
Does Qualicorp Consultoria e Corretora de Seguros (BVMF:QUAL3) Have A Healthy Balance Sheet?
Some say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...
Should You Investigate Qualicorp Consultoria e Corretora de Seguros S.A. (BVMF:QUAL3) At R$20.58?
Qualicorp Consultoria e Corretora de Seguros S.A. ( BVMF:QUAL3 ), might not be a large cap stock, but it saw...
|QUAL3||BR Healthcare||BR Market|
Return vs Industry: QUAL3 underperformed the BR Healthcare industry which returned -10.9% over the past year.
Return vs Market: QUAL3 underperformed the BR Market which returned 4.4% over the past year.
Stable Share Price: QUAL3 is not significantly more volatile than the rest of BR stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: QUAL3's weekly volatility (6%) has been stable over the past year.
About the Company
Qualicorp Consultoria e Corretora de Seguros S.A. operates as a healthcare benefits trader, administrator, and health management services provider in Brazil. It provides health plan consultancy, brokerage, heathcare information technology and third party administrator services to government, national and multinational companies. The company also engages in benefits administration, billing, benefits planning consulting, health insurance brokerage, and health risk management services.
Qualicorp Consultoria e Corretora de Seguros Fundamentals Summary
|QUAL3 fundamental statistics|
Is QUAL3 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|QUAL3 income statement (TTM)|
|Cost of Revenue||R$413.95m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.42|
|Net Profit Margin||19.36%|
How did QUAL3 perform over the long term?See historical performance and comparison
Is Qualicorp Consultoria e Corretora de Seguros undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: QUAL3 (R$18.62) is trading below our estimate of fair value (R$35.19)
Significantly Below Fair Value: QUAL3 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: QUAL3 is good value based on its PE Ratio (13.1x) compared to the BR Healthcare industry average (31.8x).
PE vs Market: QUAL3 is poor value based on its PE Ratio (13.1x) compared to the BR market (12.3x).
Price to Earnings Growth Ratio
PEG Ratio: QUAL3 is poor value based on its PEG Ratio (6.3x)
Price to Book Ratio
PB vs Industry: QUAL3 is good value based on its PB Ratio (3.1x) compared to the BR Healthcare industry average (3.8x).
How is Qualicorp Consultoria e Corretora de Seguros forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: QUAL3's forecast earnings growth (2.1% per year) is below the savings rate (9.1%).
Earnings vs Market: QUAL3's earnings (2.1% per year) are forecast to grow slower than the BR market (10.6% per year).
High Growth Earnings: QUAL3's earnings are forecast to grow, but not significantly.
Revenue vs Market: QUAL3's revenue (5.4% per year) is forecast to grow slower than the BR market (7.8% per year).
High Growth Revenue: QUAL3's revenue (5.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: QUAL3's Return on Equity is forecast to be high in 3 years time (28%)
How has Qualicorp Consultoria e Corretora de Seguros performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: QUAL3 has high quality earnings.
Growing Profit Margin: QUAL3's current net profit margins (19.4%) are higher than last year (18.1%).
Past Earnings Growth Analysis
Earnings Trend: QUAL3's earnings have grown by 2% per year over the past 5 years.
Accelerating Growth: QUAL3's earnings growth over the past year (10.2%) exceeds its 5-year average (2% per year).
Earnings vs Industry: QUAL3 earnings growth over the past year (10.2%) underperformed the Healthcare industry 103.4%.
Return on Equity
High ROE: QUAL3's Return on Equity (24.2%) is considered high.
How is Qualicorp Consultoria e Corretora de Seguros's financial position?
Financial Position Analysis
Short Term Liabilities: QUAL3's short term assets (R$1.5B) do not cover its short term liabilities (R$2.2B).
Long Term Liabilities: QUAL3's short term assets (R$1.5B) exceed its long term liabilities (R$495.7M).
Debt to Equity History and Analysis
Debt Level: QUAL3's debt to equity ratio (97.4%) is considered high.
Reducing Debt: QUAL3's debt to equity ratio has increased from 26.4% to 97.4% over the past 5 years.
Debt Coverage: QUAL3's debt is well covered by operating cash flow (47.4%).
Interest Coverage: QUAL3 earns more interest than it pays, so coverage of interest payments is not a concern.
What is Qualicorp Consultoria e Corretora de Seguros's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate QUAL3's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate QUAL3's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if QUAL3's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if QUAL3's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: QUAL3 is not paying a notable dividend for the BR market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of QUAL3's dividend in 3 years as they are not forecast to pay a notable one for the BR market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Bruno Blatt has been the Chief Executive Officer at Qualicorp Consultoria e Corretora de Seguros S.A. since November 12, 2019. Mr. Blatt has always stood out for entrepreneurship and innovation in the...
Experienced Management: QUAL3's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.
Experienced Board: QUAL3's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Qualicorp Consultoria e Corretora de Seguros S.A.'s employee growth, exchange listings and data sources
- Name: Qualicorp Consultoria e Corretora de Seguros S.A.
- Ticker: QUAL3
- Exchange: BOVESPA
- Founded: 1997
- Industry: Managed Health Care
- Sector: Healthcare
- Market Cap: R$5.054b
- Shares outstanding: 283.91m
- Website: https://www.qualicorp.com.br
Number of Employees
- Qualicorp Consultoria e Corretora de Seguros S.A.
- Rua Doutor PlInio Barreto, 365
- 15º andar (part)
- São Paulo
- São Paulo
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/21 23:10|
|End of Day Share Price||2021/10/21 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.