Stock QUAL3 QUALICORP CONSULTORIA E CORRETORA DE SEGUROS S.A.
Add to a list
To use this feature you must be a member
Log inSign up

Financials Qualicorp Consultoria e Corretora de Seguros S.A.

Equities

QUAL3

BRQUALACNOR6

Multiline Insurance & Brokers

Market Closed - Sao Paulo
Other stock markets
 04:07:42 2024-04-26 pm EDT 		5-day change 1st Jan Change
1.71 BRL +0.59% Intraday chart for Qualicorp Consultoria e Corretora de Seguros S.A. +16.33% -49.71%
Apr. 16 UnitedHealth warns of $1.15-$1.35/share hit this year from hack RE
Mar. 22 Transcript : Qualicorp Consultoria e Corretora de Seguros S.A., Q4 2023 Earnings Call, Mar 22, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 10,439 9,917 4,692 1,634 947.8 477.5 - -
Enterprise Value (EV) 1 11,357 10,646 6,217 3,130 2,168 1,823 1,499 918
P/E ratio 26.6 x 25.3 x 12.8 x 17.6 x -11.5 x 3.71 x 3.25 x 2.14 x
Yield 9.41% - 1.88% 1.35% - 8.44% 18.3% 26.9%
Capitalization / Revenue 5.21 x 4.89 x 2.24 x 0.84 x 0.54 x 0.29 x 0.3 x 0.32 x
EV / Revenue 5.67 x 5.26 x 2.97 x 1.6 x 1.24 x 1.12 x 0.95 x 0.62 x
EV / EBITDA 11.2 x 11.3 x 5.92 x 3.34 x 2.8 x 2.7 x 2.24 x 1.52 x
EV / FCF 16.6 x 19.8 x 29.7 x 23.8 x 8.73 x 5.58 x 4.86 x 3.05 x
FCF Yield 6.01% 5.06% 3.37% 4.21% 11.5% 17.9% 20.6% 32.8%
Price to Book 7.39 x 5.89 x 3.71 x 1.21 x 0.75 x 0.35 x 0.3 x -
Nbr of stocks (in thousands) 281,373 283,491 277,619 278,317 278,777 279,248 - -
Reference price 2 37.10 34.98 16.90 5.870 3.400 1.710 1.710 1.710
Announcement Date 3/12/20 3/30/21 3/29/22 3/28/23 3/14/24 - - -
1BRL in Million2BRL
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 2,003 2,026 2,096 1,951 1,750 1,632 1,571 1,493
EBITDA 1 1,018 938.9 1,050 937.1 774.6 675.8 667.7 603
EBIT 1 744.7 571.4 687.1 521.7 299.3 309.3 371.2 421
Operating Margin 37.18% 28.2% 32.77% 26.73% 17.1% 18.95% 23.63% 28.21%
Earnings before Tax (EBT) 1 567.7 552.3 554.3 146.7 -111.6 164.2 182.5 232
Net income 1 392.8 392.1 365.8 92.8 -82.4 82.94 100.9 91
Net margin 19.61% 19.35% 17.45% 4.76% -4.71% 5.08% 6.42% 6.1%
EPS 2 1.397 1.380 1.316 0.3332 -0.2948 0.4614 0.5256 0.8000
Free Cash Flow 1 682.5 538.5 209.6 131.8 248.4 326.5 308.5 301
FCF margin 34.07% 26.58% 10% 6.75% 14.2% 20% 19.64% 20.17%
FCF Conversion (EBITDA) 67.01% 57.35% 19.96% 14.06% 32.07% 48.31% 46.2% 49.92%
FCF Conversion (Net income) 173.75% 137.34% 57.3% 141.99% - 393.64% 305.79% 330.77%
Dividend per Share 2 3.491 - 0.3177 0.0792 - 0.1444 0.3126 0.4594
Announcement Date 3/12/20 3/30/21 3/29/22 3/28/23 3/14/24 - - -
1BRL in Million2BRL
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 534.9 521.5 502.2 489 507.1 453.1 457.3 435 443.2 414.4 407.4 407.6 413 395.2
EBITDA 1 225.8 260.9 252.8 234.2 234.7 215.5 210.3 194.8 199.8 169.7 152.9 135.9 136.1 127.2
EBIT 1 137.1 161.8 154.9 135.2 128.4 103.3 95.59 79.88 78.9 44.3 69.38 75.22 80.01 63.06
Operating Margin 25.63% 31.03% 30.85% 27.65% 25.32% 22.8% 20.9% 18.36% 17.8% 10.69% 17.03% 18.45% 19.37% 15.96%
Earnings before Tax (EBT) 1 - - - - 74.14 - 24 23.5 - -79 7.166 20.49 23.56 13.65
Net income 1 110.4 50.6 74.1 49.4 49.23 -79.9 16.68 13.73 -54.2 -58.7 17 - - -
Net margin 20.65% 9.7% 14.76% 10.1% 9.71% -17.63% 3.65% 3.16% -12.23% -14.17% 4.17% - - -
EPS 2 0.3976 0.1975 0.2664 0.1773 0.1768 -0.2868 0.0599 0.0492 -0.1942 -0.2096 0.1100 0.1200 0.1000 -
Dividend per Share 2 - 0.2554 - - - 0.0792 - - - - - - - 0.1432
Announcement Date 11/12/21 3/29/22 5/10/22 8/12/22 11/8/22 3/28/23 5/10/23 8/14/23 11/9/23 3/14/24 - - - -
1BRL in Million2BRL
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 918 730 1,526 1,496 1,220 1,345 1,021 441
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) 0.9013 x 0.7773 x 1.453 x 1.597 x 1.575 x 1.99 x 1.529 x 0.7305 x
Free Cash Flow 1 683 539 210 132 248 327 309 301
ROE (net income / shareholders' equity) 20.8% 31.5% 24.9% 15.2% 2.87% 6.56% 10.2% 11%
ROA (Net income/ Total Assets) 11.2% 10.1% 8.3% 4.44% 0.83% 2.96% 4.7% -
Assets 1 3,495 3,882 4,405 2,089 -9,911 2,805 2,145 -
Book Value Per Share 2 5.020 5.940 4.560 4.840 4.550 4.950 5.670 -
Cash Flow per Share 2 3.100 3.000 2.910 2.020 - 0.8100 0.5800 -
Capex 1 189 313 598 432 249 213 265 271
Capex / Sales 9.41% 15.44% 28.54% 22.15% 14.24% 13.07% 16.89% 18.18%
Announcement Date 3/12/20 3/30/21 3/29/22 3/28/23 3/14/24 - - -
1BRL in Million2BRL
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Qualicorp Consultoria e Corretora de Seguros S.A.

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
9
Last Close Price
1.71 BRL
Average target price
3.831 BRL
Spread / Average Target
+124.05%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Other Multiline Insurance & Brokers

1st Jan change Capi.
QUALICORP CONSULTORIA E CORRETORA DE SEGUROS S.A. Stock Qualicorp Consultoria e Corretora de Seguros S.A.
-49.71% 93.16M
ALLIANZ SE Stock Allianz SE
+9.73% 110B
CHUBB LIMITED Stock Chubb Limited
+8.61% 99.67B
MARSH & MCLENNAN COMPANIES Stock Marsh & McLennan Companies
+4.48% 97.53B
ZURICH INSURANCE GROUP LTD Stock Zurich Insurance Group Ltd
+0.07% 69.25B
HARTFORD FINANCIAL SERVICES GROUP (THE), INC. Stock Hartford Financial Services Group (The), Inc.
+18.56% 28.19B
TALANX AG Stock Talanx AG
+10.29% 19.64B
BB SEGURIDADE PARTICIPAÇÕES S.A. Stock BB Seguridade Participações S.A.
-4.64% 12.38B
POWSZECHNY ZAKLAD UBEZPIECZE? SPÓLKA AKCYJNA Stock Powszechny Zaklad Ubezpiecze? Spólka Akcyjna
+8.95% 10.98B
ASR NEDERLAND N.V. Stock ASR Nederland N.V.
+8.55% 10.43B
Other Multiline Insurance & Brokers
  1. Stock Market
  2. Equities
  3. QUAL3 Stock
  4. Financials Qualicorp Consultoria e Corretora de Seguros S.A.