Qualicorp Consultoria e Corretora de Seguros S.A.

BOVESPA:QUAL3 Stock Report

Market Cap: R$646.5m

Qualicorp Consultoria e Corretora de Seguros Valuation

Is QUAL3 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of QUAL3 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: QUAL3 (R$2.4) is trading below our estimate of fair value (R$5.89)

Significantly Below Fair Value: QUAL3 is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for QUAL3?

Key metric: As QUAL3 is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for QUAL3. This is calculated by dividing QUAL3's market cap by their current revenue.
What is QUAL3's PS Ratio?
PS Ratio0.4x
SalesR$1.61b
Market CapR$646.54m

Price to Sales Ratio vs Peers

How does QUAL3's PS Ratio compare to its peers?

The above table shows the PS ratio for QUAL3 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average0.8x
ODPV3 Odontoprev
2.5x3.4%R$5.9b
VVEO3 CM Hospitalar S/A
0.05x6.7%R$615.8m
PFRM3 Profarma Distribuidora de Produtos Farmacêuticos
0.09xn/aR$838.7m
HAPV3 Hapvida Participações e Investimentos
0.8x7.4%R$22.3b
QUAL3 Qualicorp Consultoria e Corretora de Seguros
0.4x-4.8%R$646.5m

Price-To-Sales vs Peers: QUAL3 is good value based on its Price-To-Sales Ratio (0.4x) compared to the peer average (0.8x).


Price to Sales Ratio vs Industry

How does QUAL3's PS Ratio compare vs other companies in the South American Healthcare Industry?

3 CompaniesPrice / SalesEstimated GrowthMarket Cap
QUAL3 0.4xIndustry Avg. 0.8xNo. of Companies3PS00.40.81.21.62+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: QUAL3 is good value based on its Price-To-Sales Ratio (0.4x) compared to the South American Healthcare industry average (0.8x).


Price to Sales Ratio vs Fair Ratio

What is QUAL3's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

QUAL3 PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.4x
Fair PS Ratio0.8x

Price-To-Sales vs Fair Ratio: QUAL3 is good value based on its Price-To-Sales Ratio (0.4x) compared to the estimated Fair Price-To-Sales Ratio (0.8x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst QUAL3 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentR$2.40
R$3.03
+26.0%
21.4%R$4.00R$2.20n/a8
Nov ’25R$2.31
R$3.15
+36.4%
27.9%R$5.00R$2.20n/a8
Oct ’25R$2.17
R$3.45
+59.0%
46.4%R$7.00R$2.20n/a8
Sep ’25R$2.27
R$3.59
+58.0%
46.5%R$7.00R$2.20n/a7
Aug ’25R$1.49
R$3.56
+138.7%
47.6%R$7.00R$2.00n/a7
Jul ’25R$1.41
R$3.73
+164.4%
45.3%R$7.00R$2.00n/a7
Jun ’25R$1.64
R$4.04
+146.5%
38.0%R$7.00R$2.00n/a7
May ’25R$1.60
R$3.79
+137.2%
37.9%R$7.00R$2.00n/a9
Apr ’25R$1.84
R$3.88
+111.1%
34.6%R$7.00R$2.50n/a9
Mar ’25R$2.56
R$3.81
+48.7%
33.2%R$7.00R$2.50n/a9
Feb ’25R$2.25
R$4.21
+86.9%
27.6%R$7.00R$3.00n/a9
Jan ’25R$3.40
R$4.65
+36.8%
24.2%R$7.00R$3.00n/a8
Dec ’24R$2.91
R$4.65
+59.8%
24.2%R$7.00R$3.00n/a8
Nov ’24R$2.88
R$4.98
+72.8%
25.5%R$7.00R$3.00R$2.319
Oct ’24R$3.08
R$5.37
+74.2%
22.5%R$7.00R$4.00R$2.179
Sep ’24R$3.52
R$5.18
+47.2%
24.6%R$7.00R$3.50R$2.2710
Aug ’24R$4.29
R$5.20
+21.2%
24.4%R$7.00R$3.50R$1.4910
Jul ’24R$4.84
R$5.01
+3.5%
23.4%R$7.00R$3.50R$1.4110
Jun ’24R$4.69
R$5.01
+6.8%
23.4%R$7.00R$3.50R$1.6410
May ’24R$3.97
R$5.74
+44.6%
42.0%R$12.80R$3.50R$1.6012
Apr ’24R$3.68
R$6.25
+70.0%
40.9%R$12.80R$3.50R$1.8411
Mar ’24R$4.68
R$8.21
+75.4%
30.7%R$12.80R$4.00R$2.5611
Feb ’24R$6.37
R$9.14
+43.5%
31.3%R$15.90R$6.00R$2.2512
Jan ’24R$5.87
R$11.27
+91.9%
30.5%R$19.00R$6.50R$3.4012
Dec ’23R$6.15
R$11.27
+83.2%
30.5%R$19.00R$6.50R$2.9112
Nov ’23R$8.20
R$12.36
+50.7%
26.5%R$19.00R$7.00R$2.8812

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.


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