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Porto Seguro S.A.BOVESPA:PSSA3 Stock Report

Market Cap R$33.9b
Share Price
R$52.83
n/a
1Y27.5%
7D2.1%
Portfolio Value
​
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Porto Seguro S.A.

BOVESPA:PSSA3 Stock Report

Market Cap: R$33.9b

Porto Seguro (PSSA3) Stock Overview

Provides a range of insurance products and services in Brazil and Uruguay. More details

PSSA3 fundamental analysis
Snowflake Score
Valuation2/6
Future Growth1/6
Past Performance5/6
Financial Health6/6
Dividends3/6

Rewards

Earnings grew by 27.8% over the past year

Risk Analysis

High level of non-cash earnings


PSSA3 Community Fair Values

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See what 13 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Porto Seguro

Digital Transformation And Diversification Will Unlock Brazil Market Potential

Key Takeaways Strategic diversification and digital innovation are reducing concentration risk, increasing efficiency, and expanding both revenue sources and profit margins. Enhanced customer experience and market expansion are improving client retention, supporting premium pricing, and driving sustained, profitable growth.
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R$54
FV
2.2% undervalued intrinsic discount
-0.16%
Revenue growth p.a.
56
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
9users have followed this narrative
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Porto Seguro

Digital Growth And Rising Wealth Will Transform Brazil Insurance

Key Takeaways The company's unified digital ecosystem and brand strength could drive exceptional multi-product penetration and sustained revenue and earnings growth far above analyst expectations. Technology investments, platform integration, and synergy capture are set to unlock significant margin expansion, capital efficiency, and enhanced shareholder returns beyond current market forecasts.
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R$65
FV
18.7% undervalued intrinsic discount
2.25%
Revenue growth p.a.
8
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
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Porto Seguro

Telematics Decline And Insurtech Competition Will Erode Brazil Margins

Key Takeaways Rising competition from digital and embedded insurance players threatens Porto Seguro's market share, pricing power, and top-line growth despite ongoing digital investments. Increased climate-related claims volatility and economic instability could further pressure margins, generate unpredictable earnings, and compound structural declines in core revenues.
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R$46
FV
14.8% overvalued intrinsic discount
-2.01%
Revenue growth p.a.
11
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
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Porto Seguro S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Porto Seguro
Historical stock prices
Current Share PriceR$52.83
52 Week HighR$57.21
52 Week LowR$36.78
Beta0.65
1 Month Change11.34%
3 Month Change15.35%
1 Year Change27.45%
3 Year Change96.39%
5 Year Change119.35%
Change since IPO1,504.96%

Recent News & Updates

Recent updates

Porto Seguro S.A.'s (BVMF:PSSA3) Shareholders Might Be Looking For Exit

Nov 04
Porto Seguro S.A.'s (BVMF:PSSA3) Shareholders Might Be Looking For Exit

Pinning Down Porto Seguro S.A.'s (BVMF:PSSA3) P/E Is Difficult Right Now

Jul 21
Pinning Down Porto Seguro S.A.'s (BVMF:PSSA3) P/E Is Difficult Right Now

Porto Seguro S.A.'s (BVMF:PSSA3) Share Price Not Quite Adding Up

Apr 08
Porto Seguro S.A.'s (BVMF:PSSA3) Share Price Not Quite Adding Up
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Saude's Health Insurance Boom And Bank's Growth Drive Earnings And Net Margins Higher

Business diversification through health insurance and banking is set to drive future revenue and maintain strong net margins.

Shareholder Returns

PSSA3BR InsuranceBR Market
7D2.1%0.5%0.02%
1Y27.5%12.5%30.5%

Return vs Industry: PSSA3 exceeded the BR Insurance industry which returned 9.9% over the past year.

Return vs Market: PSSA3 underperformed the BR Market which returned 31.4% over the past year.

Price Volatility

Is PSSA3's price volatile compared to industry and market?
PSSA3 volatility
PSSA3 Average Weekly Movement4.4%
Insurance Industry Average Movement3.8%
Market Average Movement4.7%
10% most volatile stocks in BR Market9.0%
10% least volatile stocks in BR Market1.7%

Stable Share Price: PSSA3 has not had significant price volatility in the past 3 months compared to the BR market.

Volatility Over Time: PSSA3's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
194513,800Paulo Sérgio Kakinoffwww.portoseguro.com.br

Porto Seguro S.A. provides a range of insurance products and services in Brazil and Uruguay. It offers auto, health and dental, damage and personal, health, casualty, financial risk, and life insurance; and reinsurance products. The company also provides services related to insurance, protection, and electronic monitoring; telemarketing and call center, telecommunications, and technical insurance brokerage services; vehicle subscription models, cargo management for companies, and other vehicle rental modalities; administrative advisory services to physicians and health care providers; consulting and advisory services in occupational health, labor security, ergonomics, and outpatient medical services; services to obtain credits and financing; assistance, maintenance, repairs, and individualization of consumption measurement; vehicle maintenance, assistance, and repair services; service platform that offers solutions to end consumers through retailers, telecom, utilities and insurers; and assistance services to consumers in the auto, travel, health, concierge and home lines.

Porto Seguro S.A. Fundamentals Summary

How do Porto Seguro's earnings and revenue compare to its market cap?
PSSA3 fundamental statistics
Market capR$33.94b
Earnings (TTM)R$3.38b
Revenue (TTM)R$43.33b
10.0x
P/E Ratio
0.8x
P/S Ratio

Is PSSA3 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PSSA3 income statement (TTM)
RevenueR$43.33b
Cost of RevenueR$25.79b
Gross ProfitR$17.54b
Other ExpensesR$14.16b
EarningsR$3.38b

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

May 07, 2026

Earnings per share (EPS)5.26
Gross Margin40.48%
Net Profit Margin7.80%
Debt/Equity Ratio0%

How did PSSA3 perform over the long term?

See historical performance and comparison

Dividends

2.0%
Current Dividend Yield
9%
Payout Ratio

Does PSSA3 pay a reliable dividends?

See PSSA3 dividend history and benchmarks
When do you need to buy PSSA3 by to receive an upcoming dividend?
Porto Seguro dividend dates
Ex Dividend DateSep 26 2025
Dividend Pay DateApr 30 2026
Days until Ex dividend138 days
Days until Dividend pay date78 days

Does PSSA3 pay a reliable dividends?

See PSSA3 dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/02/10 06:12
End of Day Share Price 2026/02/10 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Porto Seguro S.A. is covered by 15 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Henrique CaldeiraBarclays
Mario Lucio PierryBofA Global Research
Marcelo MizrahiBradesco S.A. Corretora de Títulos e Valores Mobiliários