BBSE.Y Stock Overview

Through its subsidiaries operates in the insurance, pension plans, and bonds, businesses in Brazil. More details

BBSE.Y fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	2/6
Past Performance	3/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 49.7% below our estimate of its fair value

Earnings are forecast to grow 4.35% per year

Earnings have grown 10.9% per year over the past 5 years

Trading at good value compared to peers and industry

Risk Analysis

High level of non-cash earnings

Profit margins (88%) are lower than last year

Dividend of 7.01% is not well covered by free cash flows

My Notes

Capture your thoughts, links and company narrative

BB Seguridade Participações S.A. Competitors

American International Group

NYSE:AIG

US$46.5b

Horace Mann Educators

NYSE:HMN

US$1.5b

American Financial Group

NYSE:AFG

US$11.3b

Brookfield Wealth Solutions

NYSE:BNT

US$10.2b

Price History & Performance

Summary of share price highs, lows and changes for BB Seguridade Participações
Historical stock prices
Current Share Price	R$6.70
52 Week High	R$7.67
52 Week Low	R$5.38
Beta	0.63
1 Month Change	12.61%
3 Month Change	12.08%
1 Year Change	-3.18%
3 Year Change	57.28%
5 Year Change	-16.98%
Change since IPO	-39.39%

Recent updates

Shareholder Returns

	BBSE.Y	US Insurance	US Market
7D	5.3%	-1.4%	3.0%
1Y	-3.2%	18.9%	25.2%

Return vs Industry: BBSE.Y underperformed the US Insurance industry which returned 18.9% over the past year.

Return vs Market: BBSE.Y underperformed the US Market which returned 25.2% over the past year.

Price Volatility

Is BBSE.Y's price volatile compared to industry and market?
BBSE.Y volatility
BBSE.Y Average Weekly Movement	5.5%
Insurance Industry Average Movement	4.0%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.8%
10% least volatile stocks in US Market	3.3%

Stable Share Price: BBSE.Y has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: BBSE.Y's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2012	222	Andre Gustavo Assumpcao Haui	www.bbseguridaderi.com.br

BB Seguridade Participações S.A., through its subsidiaries operates in the insurance, pension plans, and bonds, businesses in Brazil. The company operates through Security and Brokerage segments. The Security segment offers life, property, rural, special risks and financial, transport, hulls, and housing people insurance products.

BB Seguridade Participações S.A. Fundamentals Summary

How do BB Seguridade Participações's earnings and revenue compare to its market cap?
BBSE.Y fundamental statistics
Market cap	US$12.55b
Earnings (TTM)	US$1.45b
Revenue (TTM)	US$1.64b

8.6x

P/E Ratio

7.6x

P/S Ratio

Is BBSE.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BBSE.Y income statement (TTM)
Revenue	R$9.67b
Cost of Revenue	R$173.48m
Gross Profit	R$9.50b
Other Expenses	R$984.52m
Earnings	R$8.52b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 17, 2025

Earnings per share (EPS)	4.39
Gross Margin	98.21%
Net Profit Margin	88.03%
Debt/Equity Ratio	0%

How did BBSE.Y perform over the long term?

See historical performance and comparison

Dividends

7.0%

Current Dividend Yield

61%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/24 22:55
End of Day Share Price	2025/01/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

BB Seguridade Participações S.A. is covered by 20 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Mario Lucio Pierry	BofA Global Research
Gustavo Schroden	Bradesco S.A. Corretora de Títulos e Valores Mobiliários
Eric Ito	Bradesco S.A. Corretora de Títulos e Valores Mobiliários