Balance Sheet Caixa Seguridade Participações S.A.

Equities

CXSE3

BRCXSEACNOR7

Multiline Insurance & Brokers

Market Closed - Sao Paulo Other stock markets 04:07:35 2025-12-12 pm EST			5-day change	1st Jan Change
16.39 ^BRL	+1.42%		+3.15%	+15.02%

Nov. 11	Caixa Seguridade Participações S.A., Q3 2025 Earnings Call, Nov 07, 2025
Nov. 06	Caixa Seguridade Q3 net profit 1.1 bln reais	RE

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Published financial data: CAIXA SEGURIDADE PARTICIPAÇÕES S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Revenues	895M	1.12B	1.69B	1.99B	2.33B
Other Revenues, Total	-	1.33B	1.94B	2.67B	2.68B
Total Revenues	895M	2.45B	3.63B	4.66B	5.01B
Cost of Goods Sold, Total	-	75.43M	305M	386M	460M
Gross Profit	895M	2.38B	3.32B	4.28B	4.55B
Selling General & Admin Expenses, Total	55.15M	69.56M	100M	110M	127M
Other Operating Expenses	84.71M	121M	195M	248M	203M
Other Operating Expenses, Total	140M	191M	296M	358M	330M
Operating Income	755M	2.19B	3.02B	3.92B	4.22B
Interest Expense, Total	-	-	-	-689K	-1.17M
Interest And Investment Income	20.36M	14.47M	88.65M	139M	110M
Net Interest Expenses	20.36M	14.47M	88.65M	138M	109M
Income (Loss) On Equity Invest.	1.27B	-	-	-	-
Other Non Operating Income (Expenses)	-24K	-3.9M	9.04M	-24.61M	4.34M
EBT, Excl. Unusual Items	2.05B	2.2B	3.12B	4.03B	4.34B
Gain (Loss) On Sale Of Investments	-	-	297M	30.68M	-
EBT, Incl. Unusual Items	2.05B	2.2B	3.42B	4.07B	4.34B
Income Tax Expense	276M	300M	513M	483M	571M
Earnings From Continuing Operations	1.77B	1.9B	2.91B	3.58B	3.77B
Earnings Of Discontinued Operations	-	-	46.9M	-	-
Net Income to Company	1.77B	1.9B	2.95B	3.58B	3.77B
Net Income - (IS)	1.77B	1.9B	2.95B	3.58B	3.77B
Net Income to Common Incl Extra Items	1.77B	1.9B	2.95B	3.58B	3.77B
Net Income to Common Excl. Extra Items	1.77B	1.9B	2.91B	3.58B	3.77B
Per Share Items
Net EPS - Basic	0.59	0.63	0.98	1.19	1.26
Basic EPS - Continuing Operations	0.59	0.63	0.97	1.19	1.26
Basic Weighted Average Shares Outstanding	3B	3B	3B	3B	3B
Net EPS - Diluted	0.59	0.63	0.98	1.19	1.26
Diluted EPS - Continuing Operations	0.59	0.63	0.97	1.19	1.26
Diluted Weighted Average Shares Outstanding	3B	3B	3B	3B	3B
Normalized Basic EPS	0.43	0.46	0.65	0.84	0.9
Normalized Diluted EPS	0.43	0.46	0.65	0.84	0.9
Dividend Per Share	0.14	0.54	-	1.07	1.14
Payout Ratio	104.23	96.78	65.89	84.59	86.08
Supplemental Items
EBITDA	755M	2.19B	3.02B	3.92B	4.22B
EBITA	755M	2.19B	3.02B	3.92B	4.22B
EBIT	755M	2.19B	3.02B	3.92B	4.22B
EBITDAR	756M	2.19B	3.03B	3.92B	4.22B
Total Revenues (As Reported)	-	2.45B	3.63B	4.66B	5.01B
Effective Tax Rate - (Ratio)	13.51	13.66	15.01	11.88	13.17
Total Current Taxes	276M	300M	513M	483M	571M
Total Deferred Taxes	-	-	-41K	41K	117K
Normalized Net Income	1.28B	1.37B	1.95B	2.52B	2.71B
Supplemental Operating Expense Items
General and Administrative Expenses	54.11M	69.56M	100M	110M	127M
Net Rental Expense, Total	1.21M	901K	1.64M	1.82M	1.86M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	45K	470K	716K	430K	435K
Trading Asset Securities, Total	773M	362M	917M	805M	1.1B
Total Cash And Short Term Investments	773M	362M	918M	806M	1.1B
Accounts Receivable, Total	138M	592M	625M	612M	758M
Other Receivables	-	-	153K	-	461K
Total Receivables	138M	592M	625M	612M	758M
Prepaid Expenses	-	-	-	-	1.28M
Other Current Assets, Total	405K	17.32M	124M	47.12M	111M
Total Current Assets	912M	971M	1.67B	1.46B	1.97B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	-	-	-	-	7K
Long-term Investments	8.55B	9.68B	10.04B	12.54B	12.05B
Other Long-Term Assets, Total	28K	18K	22K	11K	-
Total Assets	9.46B	10.66B	11.71B	14B	14.02B
Liabilities
Accounts Payable, Total	-	-	106K	213K	-
Accrued Expenses, Total	15.75M	43.15M	76.36M	74.36M	102M
Current Income Taxes Payable	32.28M	51.48M	43.94M	62.21M	87.19M
Deferred Tax Liability Current	-	-	-	8K	134K
Other Current Liabilities	323M	481K	697M	1.28B	942M
Total Current Liabilities	371M	95.12M	817M	1.42B	1.13B
Other Non Current Liabilities	846K	1.23M	2.79M	3.27M	3.25M
Total Liabilities	372M	96.34M	820M	1.42B	1.13B
Common Stock, Total	2.76B	2.76B	2.76B	2.76B	2.76B
Retained Earnings	1.92B	2.3B	2.52B	4.05B	4.96B
Comprehensive Income and Other	4.41B	5.5B	5.61B	5.78B	5.17B
Total Common Equity	9.09B	10.56B	10.89B	12.59B	12.89B
Total Equity	9.09B	10.56B	10.89B	12.59B	12.89B
Total Liabilities And Equity	9.46B	10.66B	11.71B	14B	14.02B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3B	3B	3B	3B	3B
ECS Total Common Shares Outstanding	3B	3B	3B	3B	3B
Book Value / Share	3.03	3.52	3.63	4.2	4.3
Tangible Book Value	9.09B	10.56B	10.89B	12.59B	12.89B
Tangible Book Value Per Share	3.03	3.52	3.63	4.2	4.3
Total Debt	0	0	0	0	0
Net Debt	-773M	-362M	-918M	-806M	-1.1B
Debt Equivalent Oper. Leases	9.66M	7.21M	13.12M	14.55M	14.85M
Equity Method Investments, Total	8.55B	9.68B	10.04B	12.54B	12.05B
Account Code - Inventory Valuation	3	3	3	3	3
Full Time Employees	80	121	135	135	135

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.77B	1.9B	2.95B	3.58B	3.77B
Depreciation & Amortization - CF	22K	31K	12K	3K	17K
Depreciation & Amortization, Total	22K	31K	12K	3K	17K
(Income) Loss On Equity Investments - (CF)	-1.27B	-1.33B	-1.99B	-2.67B	-2.68B
Other Operating Activities, Total	2.53B	1.02B	1.35B	1.91B	2.42B
Change In Accounts Receivable	-10.51M	-27.96M	59.37M	-46.81M	-817K
Change In Accounts Payable	-98.27M	25.48M	34.39M	-1.42M	28.22M
Change In Income Taxes	42.02M	19.2M	-7.54M	18.27M	24.98M
Change In Deferred Taxes	-	-	-	8K	126K
Change in Other Net Operating Assets	9K	-16.91M	15.88M	30.83M	47.07M
Cash from Operations	2.96B	1.59B	2.42B	2.83B	3.6B
Investment in Marketable and Equity Securities, Total	-773M	411M	-425M	203M	-359M
Other Investing Activities, Total	-846M	-161M	-45M	-	-
Cash from Investing	-1.62B	250M	-470M	203M	-359M
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-	-	-	-
Common Dividends Paid	-1.84B	-1.84B	-1.95B	-3.03B	-3.24B
Common & Preferred Stock Dividends Paid	-1.84B	-1.84B	-1.95B	-3.03B	-3.24B
Special Dividend Paid	-	-	-	-	-
Cash from Financing	-1.84B	-1.84B	-1.95B	-3.03B	-3.24B
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-502M	425K	246K	-286K	5K
Supplemental Items
Cash Income Tax Paid (Refund)	-	-	-	-	-
Levered Free Cash Flow	816M	619M	2.47B	3.14B	2.14B
Unlevered Free Cash Flow	816M	619M	2.47B	3.14B	2.14B
Change In Net Working Capital	-344M	747M	-582M	-688M	495M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	6.34	13.58	16.91	18.05	18.83
Return on Total Capital	6.63	13.91	17.63	19.67	20.72
Return On Equity %	24.88	19.3	27.1	28.76	29.56
Return on Common Equity	24.88	19.3	27.1	28.76	29.56
Margin Analysis
Gross Profit Margin %	100	96.92	91.58	91.73	90.82
SG&A Margin	6.16	2.84	2.77	2.36	2.53
EBITDA Margin %	84.37	89.15	83.43	84.06	84.24
EBITA Margin %	84.37	89.15	83.43	84.06	84.24
EBIT Margin %	84.37	89.15	83.43	84.06	84.24
Income From Continuing Operations Margin %	197.77	77.34	80.15	76.81	75.1
Net Income Margin %	197.77	77.34	81.44	76.81	75.1
Net Avail. For Common Margin %	197.77	77.34	80.15	76.81	75.1
Normalized Net Income Margin	142.91	55.99	53.83	54.06	54.06
Levered Free Cash Flow Margin	91.18	25.27	68.2	67.28	42.76
Unlevered Free Cash Flow Margin	91.18	25.27	68.2	67.29	42.77
Asset Turnover
Asset Turnover	0.12	0.24	0.32	0.34	0.36
Fixed Assets Turnover	-	-	-	-	557K
Receivables Turnover (Average Receivables)	3.51	3.08	2.77	3.23	3.4
Short Term Liquidity
Current Ratio	2.46	10.21	2.04	1.03	1.74
Quick Ratio	2.46	10.03	1.89	1	1.64
Operating Cash Flow to Current Liabilities	7.98	16.67	2.96	2	3.18
Days Sales Outstanding (Average Receivables)	104.19	118.48	131.55	113.12	107.56
Average Days Payable Outstanding	-	-	0.38	0.15	-
Long Term Solvency
Total Liabilities / Total Assets	3.93	0.9	7	10.13	8.09
EBIT / Interest Expense	-	-	-	5.69K	3.62K
EBITDA / Interest Expense	-	-	-	5.69K	3.62K
(EBITDA - Capex) / Interest Expense	-	-	-	5.69K	3.62K
Net Debt / EBITDA	-1.02	-0.17	-0.3	-0.21	-0.26
Net Debt / (EBITDA - Capex)	-1.02	-0.17	-0.3	-0.21	-0.26
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	38.43	13.22	53.49	26.68	7.49
Gross Profit, 1 Yr. Growth %	38.43	9.74	45.21	26.71	6.42
EBITDA, 1 Yr. Growth %	41.94	7.91	44.3	27.26	7.72
EBITA, 1 Yr. Growth %	41.94	7.91	44.3	27.26	7.72
EBIT, 1 Yr. Growth %	41.94	7.91	44.3	27.26	7.72
Earnings From Cont. Operations, 1 Yr. Growth %	15.19	7.16	60.85	20.94	5.11
Net Income, 1 Yr. Growth %	15.19	7.16	55.73	19.05	5.11
Normalized Net Income, 1 Yr. Growth %	17.31	7.35	48.22	26.93	7.49
Diluted EPS Before Extra, 1 Yr. Growth %	15.19	7.16	60.85	20.94	5.11
Accounts Receivable, 1 Yr. Growth %	-62.86	328.95	5.57	-2.07	23.89
Net Property, Plant and Equip., 1 Yr. Growth %	-	-	-	-	-36.36
Total Assets, 1 Yr. Growth %	74.59	12.67	9.89	6.52	0.14
Tangible Book Value, 1 Yr. Growth %	76.73	16.22	3.13	2.1	2.41
Common Equity, 1 Yr. Growth %	76.73	16.22	3.13	2.1	2.41
Cash From Operations, 1 Yr. Growth %	147.47	-46.48	52.42	17.01	27.31
Levered Free Cash Flow, 1 Yr. Growth %	63.92	-61.52	338.85	25.12	-31.69
Unlevered Free Cash Flow, 1 Yr. Growth %	63.92	-61.52	338.85	25.14	-31.68
Dividend Per Share, 1 Yr. Growth %	16.67	286	-	-	7.28
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-28.68	94.76	29.4	40.52	16.69
Gross Profit, 2 Yr. CAGR %	-28.68	91.74	23.83	36.78	16.12
EBITDA, 2 Yr. CAGR %	-32.82	102.73	22.2	36.76	17.08
EBITA, 2 Yr. CAGR %	-32.82	102.73	22.2	36.76	17.08
EBIT, 2 Yr. CAGR %	-32.82	102.73	22.2	36.76	17.08
Earnings From Cont. Operations, 2 Yr. CAGR %	9.43	11.1	28.15	40.82	12.74
Net Income, 2 Yr. CAGR %	9.43	11.1	29.18	37.45	11.86
Normalized Net Income, 2 Yr. CAGR %	9.82	12.22	23.54	38.39	16.8
Diluted EPS Before Extra, 2 Yr. CAGR %	9.43	11.1	28.15	40.82	12.74
Accounts Receivable, 2 Yr. CAGR %	-36.9	26.21	112.8	1.67	10.15
Total Assets, 2 Yr. CAGR %	42.24	40.25	11.27	14.64	3.28
Tangible Book Value, 2 Yr. CAGR %	40.48	43.32	9.48	9.18	2.25
Common Equity, 2 Yr. CAGR %	40.48	43.32	9.48	9.18	2.25
Cash From Operations, 2 Yr. CAGR %	59.12	15.09	-9.68	33.55	22.06
Levered Free Cash Flow, 2 Yr. CAGR %	-4.4	11.57	23.93	135.98	-7.55
Unlevered Free Cash Flow, 2 Yr. CAGR %	-4.4	11.57	23.93	136	-7.53
Dividend Per Share, 2 Yr. CAGR %	9.86	112.21	-	40.47	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-16.63	11.71	77.68	29.15	28.51
Gross Profit, 3 Yr. CAGR %	-16.63	10.55	72.55	25.48	25.81
EBITDA, 3 Yr. CAGR %	-	9.33	78.5	24.62	26.3
EBITA, 3 Yr. CAGR %	-19.56	9.33	78.5	24.63	26.3
EBIT, 3 Yr. CAGR %	-19.56	9.33	78.5	24.63	26.3
Earnings From Cont. Operations, 3 Yr. CAGR %	10.86	8.67	23.68	26.51	27.74
Net Income, 3 Yr. CAGR %	10.86	8.67	24.34	26.51	25.69
Normalized Net Income, 3 Yr. CAGR %	11.53	8.99	21.43	25.4	27.21
Diluted EPS Before Extra, 3 Yr. CAGR %	10.86	8.67	23.68	26.51	27.74
Accounts Receivable, 3 Yr. CAGR %	-22.6	19.53	18.92	64.29	8.6
Total Assets, 3 Yr. CAGR %	28.19	31.61	29.3	13.98	9.59
Tangible Book Value, 3 Yr. CAGR %	29.55	31.88	28.43	11.48	6.87
Common Equity, 3 Yr. CAGR %	29.55	31.88	28.43	11.48	6.87
Cash From Operations, 3 Yr. CAGR %	45.33	10.66	26.39	-1.54	31.44
Levered Free Cash Flow, 3 Yr. CAGR %	-2.9	-11.47	70.64	24.91	56.1
Unlevered Free Cash Flow, 3 Yr. CAGR %	-2.9	-11.47	70.64	24.92	56.12
Dividend Per Share, 3 Yr. CAGR %	15.02	67.01	-	96.75	28.4
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-3.09	13.97	18.61	21.54	50.64
Gross Profit, 5 Yr. CAGR %	-3.09	13.26	16.55	19.46	47.76
EBITDA, 5 Yr. CAGR %	-	-	-	18.57	51.35
EBITA, 5 Yr. CAGR %	-5.71	12.56	15.84	18.58	51.35
EBIT, 5 Yr. CAGR %	-5.71	12.56	15.84	18.58	51.35
Earnings From Cont. Operations, 5 Yr. CAGR %	14.05	11.72	17.48	19.38	19.64
Net Income, 5 Yr. CAGR %	14.05	11.72	17.85	19.38	19.64
Normalized Net Income, 5 Yr. CAGR %	15.02	12.41	16.19	18.92	19.98
Diluted EPS Before Extra, 5 Yr. CAGR %	14.05	11.72	17.48	19.38	19.64
Accounts Receivable, 5 Yr. CAGR %	-26.19	16.93	15.99	12.04	15.33
Total Assets, 5 Yr. CAGR %	20.64	22.06	21.14	24.54	20.96
Tangible Book Value, 5 Yr. CAGR %	24.35	22.87	21.11	22.28	20.18
Common Equity, 5 Yr. CAGR %	24.35	22.87	21.11	22.28	20.18
Cash From Operations, 5 Yr. CAGR %	101.58	6.18	20.15	19.3	24.64
Levered Free Cash Flow, 5 Yr. CAGR %	-	-0.43	22.64	28.58	33.92
Unlevered Free Cash Flow, 5 Yr. CAGR %	-	-0.43	22.64	28.59	33.93
Dividend Per Share, 5 Yr. CAGR %	-	62.29	-	55.84	56.98