Caixa Seguridade Participações S.A.

BOVESPA:CXSE3 Stock Report

Market Cap: R$43.2b

Caixa Seguridade Participações Valuation

Is CXSE3 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CXSE3 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CXSE3 (R$14.41) is trading below our estimate of fair value (R$16.57)

Significantly Below Fair Value: CXSE3 is trading below fair value, but not by a significant amount.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for CXSE3?

Other financial metrics that can be useful for relative valuation.

CXSE3 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue9.2x
Enterprise Value/EBITDA11.1x
PEG Ratio1x

Price to Earnings Ratio vs Peers

How does CXSE3's PE Ratio compare to its peers?

The above table shows the PE ratio for CXSE3 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.2x
BBSE3 BB Seguridade Participações
8.1x2.9%R$68.1b
PSSA3 Porto Seguro
9.7x7.3%R$24.1b
CSAB4 Companhia de Seguros Alianca da Bahia
23.2xn/aR$305.2m
ASRNL ASR Nederland
12x13.3%€9.2b
CXSE3 Caixa Seguridade Participações
12.7x12.9%R$43.2b

Price-To-Earnings vs Peers: CXSE3 is good value based on its Price-To-Earnings Ratio (12.7x) compared to the peer average (13.2x).


Price to Earnings Ratio vs Industry

How does CXSE3's PE Ratio compare vs other companies in the South American Insurance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a7.3%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a7.3%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: CXSE3 is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the South American Insurance industry average (8.4x).


Price to Earnings Ratio vs Fair Ratio

What is CXSE3's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CXSE3 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.7x
Fair PE Ratio10.4x

Price-To-Earnings vs Fair Ratio: CXSE3 is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the estimated Fair Price-To-Earnings Ratio (10.4x).


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 CXSE3 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentR$14.41
R$16.75
+16.2%
7.5%R$18.00R$14.00n/a12
Sep ’25R$16.35
R$16.82
+2.9%
7.6%R$18.00R$14.00n/a11
Aug ’25R$14.63
R$16.63
+13.7%
8.1%R$18.00R$13.80n/a11
Jul ’25R$14.24
R$16.69
+17.2%
8.4%R$19.00R$13.80n/a10
Jun ’25R$14.87
R$16.79
+12.9%
8.6%R$19.00R$13.80n/a10
May ’25R$15.66
R$16.71
+6.7%
8.8%R$19.00R$13.50n/a10
Apr ’25R$15.35
R$16.09
+4.8%
13.1%R$19.00R$12.50n/a9
Mar ’25R$14.46
R$14.48
+0.1%
16.3%R$18.00R$10.00n/a9
Feb ’25R$14.25
R$13.61
-4.5%
17.2%R$17.50R$10.00n/a7
Jan ’25R$12.90
R$12.72
-1.4%
13.6%R$15.00R$10.00n/a6
Dec ’24R$11.43
R$12.72
+11.3%
13.6%R$15.00R$10.00n/a6
Nov ’24R$10.90
R$12.50
+14.7%
13.3%R$15.10R$10.00n/a6
Oct ’24R$11.16
R$12.33
+10.5%
15.7%R$15.10R$9.00R$14.476
Sep ’24R$11.15
R$11.91
+6.9%
12.0%R$14.00R$9.00R$16.357
Aug ’24R$10.80
R$11.86
+9.8%
12.1%R$14.00R$9.00R$14.637
Jul ’24R$10.30
R$11.86
+15.1%
12.1%R$14.00R$9.00R$14.247
Jun ’24R$10.44
R$11.71
+12.2%
10.7%R$13.00R$9.00R$14.877
May ’24R$9.46
R$10.61
+12.2%
11.8%R$12.00R$8.80R$15.667
Apr ’24R$8.80
R$10.11
+14.9%
11.4%R$12.00R$8.80R$15.357
Mar ’24R$8.49
R$10.11
+19.1%
11.4%R$12.00R$8.80R$14.467
Feb ’24R$8.68
R$10.11
+16.5%
11.4%R$12.00R$8.80R$14.257
Jan ’24R$8.35
R$10.26
+22.8%
11.3%R$12.00R$8.80R$12.907
Dec ’23R$8.19
R$10.11
+23.5%
13.4%R$12.00R$8.00R$11.437
Nov ’23R$8.95
R$10.83
+21.0%
25.4%R$17.00R$8.00R$10.907
Oct ’23R$8.51
R$10.83
+27.2%
25.4%R$17.00R$8.00R$11.167

Analyst Forecast: Target price is less than 20% higher than the current share price.


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