OTCPK:QULR.Y

Stock Analysis Report

Qualicorp Consultoria e Corretora de Seguros

Executive Summary

Qualicorp Consultoria e Corretora de Seguros S.A.

Snowflake

Fundamentals

Adequate balance sheet average dividend payer.

Share Price & News

How has Qualicorp Consultoria e Corretora de Seguros's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: QULR.Y has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

QULR.Y

3.9%

US Healthcare

0.7%

US Market


1 Year Return

n/a

QULR.Y

-0.3%

US Healthcare

12.9%

US Market

Return vs Industry: Insufficient data to determine how QULR.Y performed against the US Healthcare industry.

Return vs Market: Insufficient data to determine how QULR.Y performed against the US Market.


Shareholder returns

QULR.YIndustryMarket
7 Day0%3.9%0.7%
30 Day0%11.1%4.4%
90 Dayn/a11.0%7.0%
1 Yearn/a1.4%-0.3%15.4%12.9%
3 Yearn/a52.0%45.1%49.1%39.5%
5 Yearn/a69.9%58.3%62.7%44.7%

Price Volatility Vs. Market

How volatile is Qualicorp Consultoria e Corretora de Seguros's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Qualicorp Consultoria e Corretora de Seguros undervalued compared to its fair value and its price relative to the market?

43.9%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: QULR.Y ($6.97) is trading below our estimate of fair value ($12.41)

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


Price To Earnings Ratio

PE vs Industry: QULR.Y is poor value based on its PE Ratio (22.4x) compared to the Healthcare industry average (21.5x).

PE vs Market: QULR.Y is poor value based on its PE Ratio (22.4x) compared to the US market (18.2x).


Price to Earnings Growth Ratio

PEG Ratio: QULR.Y is poor value based on its PEG Ratio (1.7x)


Price to Book Ratio

PB vs Industry: QULR.Y is overvalued based on its PB Ratio (4.1x) compared to the US Healthcare industry average (2.7x).


Next Steps

Future Growth

How is Qualicorp Consultoria e Corretora de Seguros forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

13.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: QULR.Y's forecast earnings growth (13.4% per year) is above the savings rate (2.7%).

Earnings vs Market: QULR.Y's earnings (13.4% per year) are forecast to grow slower than the US market (14.4% per year).

High Growth Earnings: QULR.Y's earnings are forecast to grow, but not significantly.

Revenue vs Market: QULR.Y's revenue (4.7% per year) is forecast to grow slower than the US market (7.3% per year).

High Growth Revenue: QULR.Y's revenue (4.7% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: QULR.Y's Return on Equity is forecast to be very high in 3 years time (45.3%).


Next Steps

Past Performance

How has Qualicorp Consultoria e Corretora de Seguros performed over the past 5 years?

18.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: QULR.Y has high quality earnings.

Growing Profit Margin: QULR.Y's current net profit margins (21.6%) are higher than last year (20%).


Past Earnings Growth Analysis

Earnings Trend: QULR.Y's earnings have grown by 18.9% per year over the past 5 years.

Accelerating Growth: QULR.Y's earnings growth over the past year (7.9%) is below its 5-year average (18.9% per year).

Earnings vs Industry: QULR.Y earnings growth over the past year (7.9%) underperformed the Healthcare industry 9.7%.


Return on Equity

High ROE: QULR.Y's Return on Equity (18.2%) is considered low.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is Qualicorp Consultoria e Corretora de Seguros's financial position?


Financial Position Analysis

Short Term Liabilities: QULR.Y's short term assets (R$1.8B) exceeds its short term liabilities (R$520.1M)

Long Term Liabilities: QULR.Y's short term assets (1.8B) exceeds its long term liabilities (1.5B)


Debt to Equity History and Analysis

Debt Level: QULR.Y's debt to equity ratio (56.3%) is considered high

Reducing Debt: QULR.Y's debt to equity ratio has increased from 22.6% to 56.3% over the past 5 years.

Debt Coverage: QULR.Y's debt is well covered by operating cash flow (55.8%).

Interest Coverage: QULR.Y earns more interest than it pays, so coverage of interest payments is not a concern.


Balance Sheet

Inventory Level: QULR.Y has a low level of unsold assets or inventory.

Debt Coverage by Assets: QULR.Y's debt is covered by short term assets (assets are 1.4x debt).


Next Steps

Dividend

What is Qualicorp Consultoria e Corretora de Seguros's current dividend yield, its reliability and sustainability?

3.66%

Current Dividend Yield


Dividend Yield vs Market

company3.7%marketbottom25%1.4%markettop25%3.6%industryaverage1.5%forecastin3Years6.3%

Current dividend yield vs market & industry

Notable Dividend: QULR.Y's dividend (3.66%) is higher than the bottom 25% of dividend payers in the US market (1.42%).

High Dividend: QULR.Y's dividend (3.66%) is in the top 25% of dividend payers in the US market (3.65%)


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, QULR.Y has been paying a dividend for less than 10 years.

Growing Dividend: QULR.Y's dividend payments have increased, but the company has only paid a dividend for 5 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (42.9%), QULR.Y's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: QULR.Y's dividends in 3 years are forecast to be covered by earnings (77.5% payout ratio).


Next Steps

Management

What is the CEO of Qualicorp Consultoria e Corretora de Seguros's salary, the management and board of directors tenure and is there insider trading?


CEO

José Filho 0

0yrs

Tenure

0

Mr. José Seripieri Filho serves as the Chief Executive Officer at QualiCorp. SA. He served as the Chairman at QualiCorp. SA and serves as its Director. 


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Management Team

  • José Filho

    CEO & Director

    • Tenure: 0yrs
  • Grace Cury De Almeida Tourinho (54yo)

    CFO & Investor Relations Officer

    • Tenure: 0yrs
  • Rosangela de Souza

    Corporate Director of Operations

    • Tenure: 2.5yrs
  • Pedro Rocha Nocetti

    IR Manager

    • Tenure: 0yrs
  • Fabian Rocha

    Chief Legal Officer

    • Tenure: 1.3yrs

Board Members

  • João Neto (55yo)

    Independent Director

    • Tenure: 0yrs
  • Wilson Olivieri

    Independent Director

    • Tenure: 0yrs
  • Alexandre Silveira Dias (49yo)

    Independent Director

    • Tenure: 0yrs
  • José Filho

    CEO & Director

    • Tenure: 0yrs
  • Jacqueline Ribeiro

    Independent Member of Fiscal Council

    • Tenure: 0yrs
  • Raul Ladeira de Matos

    Director

    • Tenure: 0yrs
  • Flavio Stamm

    Member of the Fiscal Council

    • Tenure: 0yrs
  • Rogério Paulo Peres (57yo)

    Independent Director

    • Tenure: 1.1yrs
  • Eduardo Luque

    Member of the Fiscal Concil

    • Tenure: 0yrs
  • Leonardo Porciúncula Pereira (61yo)

    Independent Chairman

    • Tenure: 0yrs

Company Information

Qualicorp Consultoria e Corretora de Seguros S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Qualicorp Consultoria e Corretora de Seguros S.A.
  • Ticker: QULR.Y
  • Exchange: OTCPK
  • Founded: 1997
  • Industry: Managed Health Care
  • Sector: Healthcare
  • Market Cap: R$9.481b
  • Listing Market Cap: R$2.259b
  • Shares outstanding: 280.60m
  • Website: https://www.qualicorp.com.br

Number of Employees


Location

  • Qualicorp Consultoria e Corretora de Seguros S.A.
  • Rua Doutor Plínio Barreto, 365
  • 11º andar (parte)
  • São Paulo
  • São Paulo
  • 01419-000
  • Brazil

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
QUAL3BOVESPA (Bolsa de Valores de Sao Paulo)YesCommon SharesBRBRLJun 2011
QULR.YOTCPK (Pink Sheets LLC)SPONSORED ADRUSUSDSep 2014

Biography

Qualicorp Consultoria e Corretora de Seguros S.A. operates as a healthcare benefits administrator and health management services provider in Brazil. The company operates in two segments, Affinity, and Corp ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/11/17 01:01
End of Day Share Price2019/11/13 00:00
Earnings2019/09/30
Annual Earnings2018/12/31


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.