BCBA/HAPV3 (BCBA/HAPV3)

Buenos Aires Stock Exchange: BCBA/HAPV3 · ARS

ARS 1,330

+16.03 (+1.2%)· Recorded snapshot

Market cap	577.7B
Revenue (ttm)	9.1T
Net income (ttm)	-49.6B
EPS (ttm)	-ARS 101
P/E (forward)	3.4x
Volume	262,693

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 9.1T
Net income (ttm): -49.6B
EPS (ttm): -ARS 101
P/E (forward): 3.4x
Market cap: 577.7B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E3.4

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-0.4

P25 n/aP50 n/aP75 n/a

ROIC3.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BCBA/HAPV3 indicators

Market & fundamental data

Available fields

201

Groups with data

Currency

BRL

Showing 201 of 201 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	ARS
Country	Brazil
Country code	AR
Earnings date	2026-11-11
Employees	66,000
Employees change	2,000
Employees growth	3.03%
Enterprise value	ARS 2.9T
Exchange	Buenos Aires Stock Exchange
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1979
Industry	Insurance - Life
Is primary listing	No
ISIN number	ARCAVA460206
Last earnings date	2026-08-12
Last refreshed	2026-10-29
Market cap	ARS 577.7B
Next earnings date	2026-11-11
Price	ARS 1,330.00
Price currency	ARS
Sector	Financials
SIC code	6324
Stock price date	2026-10-28
Symbol	bcba/HAPV3
Website	https://ri.hapvida.com.br

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings yield	-7.6%
EV/EBIT	5.47x
EV/EBITDA	3.46x
EV/FCF	12.92x
EV/Sales	0.31x
FCF / EV yield	7.74%
FCF yield	38.28%
Forward P/E	3.4x
P/(FCF - SBC) ratio	2.66x
P/(OCF - SBC) ratio	1.35x
P/B ratio	0.04x
P/FCF ratio	2.61x
P/OCF ratio	1.34x
P/S ratio	0.06x
Price/EBITDA ratio	0.78x
Sector forward P/E	6.78x
Sector P/E	23.03x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	5.73%
EBITDA margin	8.13%
FCF margin	2.42%
Gross margin	12.85%
Operating margin	5.73%
Pretax margin	-0.33%
Profit margin	-0.55%
Profit per employee	ARS -752,256
Revenue per employee	ARS 138M
ROA	1.55%
ROA (5Y)	0.56%
ROCE	2.73%
ROE	-0.36%
ROE (5Y)	-0.68%
ROIC	3.26%
ROIC (5Y)	1.25%
SBC / revenue	0.04%
Tax / revenue	0.21%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth quarters	1
EPS growth years	1
FCF growth	-63.8%
FCF growth (QoQ)	-52.28%
FCF growth 3Y	-11.1%
FCF growth 5Y	52.69%
Gross profit growth	0.03%
Gross profit growth (Q)	64.71%
Gross profit growth 5Y	5.66%
Net income growth quarters	1
Net income growth years	1
OCF growth	-46.01%
OCF growth (QoQ)	-45.09%
OCF growth 3Y	-0.3%
OCF growth 5Y	29.57%
Operating income growth	57.13%
Operating income growth (Q)	270.33%
Operating income growth 5Y	17.91%
Revenue growth	82.28%
Revenue growth (Q)	41.27%
Revenue growth (QoQ)	-12.42%
Revenue growth 3Y	6.43%
Revenue growth 5Y	28.41%
Revenue growth years	11

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	ARS -210.4B
Depreciation and amortization	ARS 219.5B
EBIT	ARS 521.6B
EBITDA	ARS 740.8B
EPS	ARS -101.07
Financing cash flow	ARS -970.1B
Free cash flow	ARS 221.2B
Free cash flow minus SBC	ARS 217.1B
Gross profit	ARS 1.2T
Income taxes	ARS 19B
Investing cash flow	ARS 643.3B
Net borrowing	ARS -244.1B
Net cash flow	ARS 104.8B
Net income	ARS -49.6B
Operating cash flow minus SBC	ARS 427.5B
Operating income	ARS 521.6B
Revenue	ARS 9.1T
Stock-based compensation	ARS 4B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	0.86
Book value per share	ARS 28,929.16
Debt / EBITDA	5.5
Debt / equity	0.33
Debt / FCF	20.5
Goodwill	ARS 12.9T
Interest coverage	0.67
Long-term assets	ARS 17.7T
Long-term liabilities	ARS 5.4T
Net cash (debt)	ARS -2.3T
Net cash / market cap	-394.25%
Net debt / EBITDA	3.07
Net debt / equity	0.17
Net debt / FCF	10.3
Piotroski F-Score	4
Property, plant and equipment	ARS 1.9T
Shareholders' equity	ARS 13.7T
Tangible book value	ARS -165.4B
Tangible book value per share	ARS -348.11
Total assets	ARS 20.8T
Total cash	ARS 2.3T
Total debt	ARS 4.5T
Total liabilities	ARS 7.1T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.43
Current assets	ARS 3.1T
Current liabilities	ARS 1.7T
Current ratio	1.83
Inventory turnover	69.76
Net working capital	ARS -342.4B
Quick ratio	1.6
Working capital	ARS 1.4T
Working capital turnover	1,618.34

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	1.89%
Dividend growth years	0
Dividend payment date	2025-07-03
Dividend payment years	1
Dividend per share	ARS 0.00
Last dividend	ARS 7,867.92
Shareholder yield	1.89%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	ARS 3,022.20
1D price change	1.22%
1M price change	-33.23%
1M total return	-33.23%
1W price change	-56.61%
1W total return	-56.61%
1Y price change	-85.01%
1Y return CAGR	-85.03%
1Y total return	-85.01%
20-day SMA	ARS 2,522.15
200-day SMA	ARS 3,113.77
3M price change	-60.06%
3M total return	-60.06%
50-day SMA	ARS 2,309.00
50-day SMA vs 200-day SMA	50under200
52-week high	ARS 10,010.00
52-week high date	2025-11-10
52-week low	ARS 1,244.00
52-week low date	2026-10-28
6M price change	-66.05%
6M total return	-66.05%
All-time high	ARS 11,800.00
All-time high date	2025-09-18
All-time low	ARS 385.00
All-time low date	2024-12-30
Average true range (ATR)	ARS 299.22
Average volume	65.2K
Change from 52-week high	-86.71%
Change from 52-week low	6.91%
Change from all-time high	-88.73%
Change from all-time low	245.45%
Change from open	0.99%
Day's gap	0.23%
Dollar volume	ARS 349.4M
High price	ARS 1,350.00
Low price	ARS 1,244.00
Monthly RSI	39.8
Open price	ARS 1,317.00
Position in 52-week range	81.13%
Previous close	ARS 1,314.00
Price vs 150-day SMA	-55.99%
Price vs 20-day SMA	-47.27%
Price vs 200-day SMA	-57.29%
Price vs 50-day SMA	-42.4%
Relative volume	4.03
RSI	30.01
Sharpe ratio	-1.3
Sortino ratio	-1.48
Volume	262.7K
Weekly RSI	35.76
YTD price change	-67.93%
YTD total return	-67.93%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	259.5M
Shares change (QoQ)	0.72%
Shares change (YoY)	-1.89%
Shares held by insiders	4.07%
Shares held by institutions	39.76%

Deeper analysis on BCBA/HAPV3

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BCBA/HAPV3 report

Is a complete BCBA/HAPV3 research report available?

No complete published report is available for bcba/HAPV3 (BCBA/HAPV3) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BCBA/HAPV3 (BCBA/HAPV3)

Price

Financial snapshot

Fair-value bridge

Latest news · BCBA/HAPV3

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BCBA/HAPV3 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BCBA/HAPV3

Frequently asked questions