BVMF/BBSE3 (BVMF/BBSE3)

Brazil Stock Exchange: BVMF/BBSE3 · BRL

R$42.0

+0.62 (+1.5%)· Recorded snapshot

Market cap	81.5B
Revenue (ttm)	10.5B
Net income (ttm)	9.2B
EPS (ttm)	R$4.73
Shares out	1.9B
P/E (trailing)	8.9x
P/E (forward)	9.4x
Dividend	R$4.53 (10.79%)
Volume	4,503,200
Beta	0.09

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 10.5B
Net income (ttm): 9.2B
EPS (ttm): R$4.73
P/E (trailing): 8.9x
P/E (forward): 9.4x
Market cap: 81.5B

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/E9.4

P25 n/aP50 n/aP75 n/a

Trailing P/E8.9

P25 n/aP50 n/aP75 n/a

ROE85.9

P25 n/aP50 n/aP75 n/a

ROIC154.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/BBSE3 indicators

Market & fundamental data

Available fields

248

Groups with data

Currency

BRL

Showing 248 of 248 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	BRL
Country	Brazil
Country code	BR
Earnings date	2026-11-03
Employees	222
Employees change	26
Employees growth	13.27%
Enterprise value	BRL 75B
Exchange	Brazil Stock Exchange
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1981
Industry	Insurance - Diversified
Is primary listing	Yes
ISIN number	BRBBSEACNOR5
Last earnings date	2026-08-03
Last refreshed	2026-10-29
Market cap	BRL 81.5B
Next earnings date	2026-11-03
Price	BRL 41.97
Price currency	BRL
Sector	Financials
SIC code	6311
Stock price date	2026-10-29
Symbol	bvmf/BBSE3
Website	https://www.bbseguridaderi.com.br

Valuation

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

Metric	Value
Adjusted P/E ratio	8.87x
Average P/E ratio (10Y)	11.05x
Average P/E ratio (3Y)	7.99x
Average P/E ratio (5Y)	8.92x
Earnings yield	11.28%
EV/Earnings	8.03x
EV/EBIT	7.4x
EV/EBITDA	7.4x
EV/FCF	21.31x
EV/Sales	7.06x
FCF / EV yield	4.69%
FCF yield	4.31%
Forward P/E	9.44x
Graham number	24.44416
Graham upside	-41.45%
Lynch fair value	BRL 93.18
Lynch upside	123.18%
P/B ratio	7.37x
P/E ratio	8.87x
P/FCF ratio	23.18x
P/OCF ratio	23.18x
P/S ratio	7.68x
PEG ratio	12.71x
Price / tangible book value	7.37x
Price/EBITDA ratio	8.04x
Sector forward P/E	7.72x
Sector P/E	8.81x

Profitability

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

Metric	Value
EBIT margin	95.49%
EBITDA margin	95.49%
Effective tax rate	17.42%
FCF margin	33.13%
Gross margin	98.23%
Operating margin	95.49%
Pretax margin	106.48%
Profit margin	87.93%
Profit per employee	BRL 41.4M
Profitable quarters	55
Profitable years	16
Revenue per employee	BRL 47.1M
ROA	28.81%
ROA (5Y)	29.21%
ROCE	67.6%
ROE	85.94%
ROE (5Y)	81.3%
ROIC	154.29%
ROIC (5Y)	374.79%
Tax / revenue	18.55%

Growth

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

Metric	Value
EPS growth	3.05%
EPS growth (Q)	-0.13%
EPS growth (QoQ)	12.77%
EPS growth 10Y	8.75%
EPS growth 3Y	9.45%
EPS growth 5Y	20.36%
EPS growth years	5
FCF growth	-14.99%
FCF growth (Q)	-14.49%
FCF growth (QoQ)	930.94%
FCF growth 3Y	1.08%
FCF growth 5Y	3.83%
Gross profit growth	1.08%
Gross profit growth (Q)	-1.05%
Gross profit growth 3Y	18.17%
Gross profit growth 5Y	16.01%
Net income growth	3.05%
Net income growth (Q)	-0.13%
Net income growth (QoQ)	12.77%
Net income growth 3Y	8.43%
Net income growth 5Y	19.68%
Net income growth years	5
OCF growth	-14.99%
OCF growth (Q)	-14.49%
OCF growth (QoQ)	930.94%
OCF growth 10Y	7.79%
OCF growth 3Y	1.08%
OCF growth 5Y	3.83%
Operating income growth	0.62%
Operating income growth (Q)	-1.21%
Operating income growth 3Y	18.56%
Operating income growth 5Y	15.82%
Revenue growth	1.2%
Revenue growth (Q)	-0.91%
Revenue growth (QoQ)	8.83%
Revenue growth 10Y	7.16%
Revenue growth 3Y	17.6%
Revenue growth 5Y	15.54%
Revenue growth years	5

Financial statements

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

Metric	Value
Capital expenditures	BRL -58,000
Depreciation and amortization	BRL -20,000
EBIT	BRL 10B
EBITDA	BRL 10B
EPS	BRL 4.73
FCF per share	BRL 1.78
Financing cash flow	BRL -8.8B
Free cash flow	BRL 3.5B
Gross profit	BRL 10.3B
Income taxes	BRL 1.9B
Investing cash flow	BRL 4.4B
Net cash flow	BRL -921M
Net income	BRL 9.2B
Operating income	BRL 10B
Revenue	BRL 10.5B

Financial strength

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

Metric	Value
Altman Z-Score	6.02
Book value per share	BRL 5.61
Debt / equity	0
Interest coverage	250.46
Long-term assets	BRL 13.7B
Long-term liabilities	BRL 3.9B
Net cash (debt)	BRL 6.5B
Net cash / market cap	8.06%
Net cash growth	-25.39%
Net debt / EBITDA	-0.65
Net debt / equity	-0.59
Net debt / FCF	-1.87
Piotroski F-Score	3
Property, plant and equipment	BRL 4,000
Shareholders' equity	BRL 10.9B
Tangible book value	BRL 10.9B
Tangible book value per share	BRL 5.61
Total assets	BRL 21.9B
Total cash	BRL 6.5B
Total debt	BRL 0
Total liabilities	BRL 11B
WACC	4.74%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.48
Current assets	BRL 8.2B
Current liabilities	BRL 7.2B
Current ratio	1.15
Net working capital	BRL -5.4B
Quick ratio	1.15
Working capital	BRL 1.1B
Working capital turnover	5.3

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-0%
Dividend growth	7.69%
Dividend growth (10Y)	10.61%
Dividend growth (3Y)	9.6%
Dividend growth (5Y)	35.71%
Dividend growth years	1
Dividend payment date	2026-09-03
Dividend payment years	14
Dividend payout frequency	Semi-Annual
Dividend per share	BRL 4.53
Dividend yield	10.79%
Ex-dividend date	2026-08-07
FCF payout ratio	257.33%
Last dividend	BRL 1.98
Payout ratio	96.09%
Shareholder yield	10.85%

Performance and technicals

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

Metric	Value
10Y price change	33.28%
10Y return CAGR	12.31%
10Y total return	219.3%
150-day SMA	BRL 38.24
1D price change	1.5%
1M price change	8.83%
1M total return	8.83%
1W price change	-1.63%
1W total return	-1.63%
1Y price change	27.82%
1Y return CAGR	44.32%
1Y total return	44.28%
20-day SMA	BRL 41.56
200-day SMA	BRL 37.57
3M price change	1.36%
3M total return	6.52%
3Y price change	34.96%
3Y return CAGR	22.66%
3Y total return	84.55%
50-day SMA	BRL 40.44
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 44.34
52-week high date	2026-10-27
52-week low	BRL 32.33
52-week low date	2025-10-30
5Y price change	88.41%
5Y return CAGR	25.2%
5Y total return	207.59%
6M price change	22.71%
6M total return	28.95%
All-time high	BRL 44.34
All-time high date	2026-10-27
All-time low	BRL 15.98
All-time low date	2013-06-24
Average true range (ATR)	BRL 1.24
Average volume	8.7M
Beta (1Y)	-0.06
Beta (2Y)	0.01
Beta (5Y)	0.09
Change from 52-week high	-5.35%
Change from 52-week low	29.82%
Change from all-time high	-5.8%
Change from all-time low	161.39%
Change from open	1.16%
Day's gap	0.34%
Dollar volume	BRL 189M
High price	BRL 42.12
Low price	BRL 41.05
Monthly RSI	62.38
Open price	BRL 41.49
Position in 52-week range	85.98%
Previous close	BRL 41.35
Price vs 150-day SMA	9.25%
Price vs 20-day SMA	0.51%
Price vs 200-day SMA	11.19%
Price vs 50-day SMA	3.29%
Relative volume	0.52
RSI	52.7
Sharpe ratio	1.78
Sharpe ratio (3Y)	0.94
Sharpe ratio (5Y)	1.09
Sortino ratio	2.92
Sortino ratio (3Y)	1.68
Sortino ratio (5Y)	1.89
Volume	4.5M
Weekly RSI	57.26
YTD price change	15.55%
YTD total return	30.43%

Ownership and float

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

Metric	Value
Float	616.2M
Shares change (QoQ)	0%
Shares change (YoY)	0%
Shares held by institutions	9.67%
Shares outstanding	1.9B

Deeper analysis on BVMF/BBSE3

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

Forecast

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

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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 BVMF/BBSE3 report

Is a complete BVMF/BBSE3 research report available?

No complete published report is available for bvmf/BBSE3 (BVMF/BBSE3) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/BBSE3 (BVMF/BBSE3)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/BBSE3

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/BBSE3 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 BVMF/BBSE3

Frequently asked questions