BVMF/CINF34 (BVMF/CINF34)

Brazil Stock Exchange: BVMF/CINF34 · BRL

R$424

+0.00 (0.0%)· Recorded snapshot

Market cap	148.9B
Revenue (ttm)	68.8B
Net income (ttm)	13.8B
EPS (ttm)	R$45.6
P/E (trailing)	9.3x
P/E (forward)	20.1x
Dividend	R$6.41 (1.51%)
Volume	0
Beta	0.53

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 68.8B
Net income (ttm): 13.8B
EPS (ttm): R$45.6
P/E (trailing): 9.3x
P/E (forward): 20.1x
Market cap: 148.9B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E20.1

P25 n/aP50 n/aP75 n/a

Trailing P/E9.3

P25 n/aP50 n/aP75 n/a

ROE16.9

P25 n/aP50 n/aP75 n/a

ROIC15.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/CINF34 indicators

Market & fundamental data

Available fields

205

Groups with data

Currency

USD

Showing 205 of 205 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-10-26
Employees	5,705
Employees change	81
Employees growth	1.44%
Enterprise value	BRL 147B
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-09-20
Fiscal year end	December
Founded	1950
Industry	Insurance - Property & Casualty
Is primary listing	No
ISIN number	BRCINFBDR000
Last earnings date	2026-10-26
Last refreshed	2026-10-28
Market cap	BRL 148.9B
Next earnings date	2027-02-05
Price	BRL 424.20
Price currency	BRL
Sector	Financials
SIC code	6331
Stock price date	2026-10-02
Symbol	bvmf/CINF34
Website	https://www.cinfin.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	133.11x
Average P/E ratio (3Y)	10.01x
Average P/E ratio (5Y)	255.4x
Earnings yield	10.75%
EV/Earnings	10.65x
EV/EBIT	8.21x
EV/EBITDA	7.83x
EV/FCF	9.22x
EV/Sales	2.07x
FCF / EV yield	10.85%
FCF yield	10.71%
Forward P/E	20.05x
Graham number	459.57618
Graham upside	8.34%
Lynch fair value	BRL 196.56
Lynch upside	-53.66%
P/B ratio	1.78x
P/E ratio	9.3x
P/FCF ratio	9.34x
P/OCF ratio	9.29x
P/S ratio	2.17x
Price / tangible book value	1.78x
Price/EBITDA ratio	8.19x
Sector forward P/E	8.29x
Sector P/E	9.32x

Profitability

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

Metric	Value
EBIT margin	25.21%
EBITDA margin	26.43%
Effective tax rate	19.15%
FCF margin	22.44%
Gross margin	26.2%
Operating margin	25.21%
Pretax margin	24.82%
Profit margin	20.07%
Profit per employee	BRL 2.4M
Profitable quarters	6
Profitable years	3
Revenue per employee	BRL 12.1M
ROA	5.03%
ROA (5Y)	4.29%
ROCE	9.06%
ROE	16.87%
ROE (5Y)	14.13%
ROIC	15.64%
ROIC (5Y)	13.21%
Tax / revenue	4.75%

Growth

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

Metric	Value
EPS growth	26.79%
EPS growth (Q)	-58.37%
EPS growth (QoQ)	-63.23%
EPS growth 10Y	15.92%
EPS growth 3Y	17.15%
EPS growth 5Y	1.87%
EPS growth years	3
FCF growth	10.28%
FCF growth (Q)	-29.04%
FCF growth (QoQ)	12.75%
FCF growth 3Y	13.72%
FCF growth 5Y	10.43%
Net income growth	25.54%
Net income growth (Q)	-59.09%
Net income growth (QoQ)	-63.43%
Net income growth 3Y	16.77%
Net income growth 5Y	1.08%
Net income growth years	3
OCF growth	10.22%
OCF growth (Q)	-29%
OCF growth (QoQ)	13%
OCF growth 10Y	10.46%
OCF growth 3Y	13.68%
OCF growth 5Y	10.36%
Revenue growth	9.91%
Revenue growth (Q)	-18.22%
Revenue growth (QoQ)	-28.71%
Revenue growth 10Y	9.41%
Revenue growth 3Y	10.75%
Revenue growth 5Y	8.08%
Revenue growth years	3

Financial statements

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

Metric	Value
Capital expenditures	BRL -82.9M
EBIT	BRL 17.3B
EBITDA	BRL 18.2B
EPS	BRL 45.60
Financing cash flow	BRL -6.6B
Free cash flow	BRL 15.9B
Gross profit	BRL 18B
Income taxes	BRL 3.3B
Investing cash flow	BRL -10.6B
Net borrowing	BRL -42.8M
Net cash flow	BRL -1.1B
Net income	BRL 13.8B
Operating income	BRL 17.3B
Revenue	BRL 68.8B

Financial strength

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

Metric	Value
Book value per share	BRL 546.07
Debt / EBITDA	0.25
Debt / equity	0.05
Debt / FCF	0.28
Interest coverage	64.37
Net cash (debt)	BRL 1.9B
Net cash / market cap	1.27%
Net cash growth	-36.92%
Net debt / EBITDA	-0.1
Net debt / equity	-0.02
Net debt / FCF	-0.12
Piotroski F-Score	5
Property, plant and equipment	BRL 1.1B
Shareholders' equity	BRL 83.8B
Tangible book value	BRL 83.8B
Tangible book value per share	BRL 546.07
Total assets	BRL 220.7B
Total cash	BRL 7.1B
Total debt	BRL 4.5B
Total liabilities	BRL 136.9B
WACC	7.08%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.32
Current ratio	1.05
Net working capital	BRL -4.8B
Quick ratio	0.88
Working capital	BRL 1.5B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	1.01%
Dividend growth	-3.2%
Dividend growth (3Y)	8.98%
Dividend growth (5Y)	7.16%
Dividend growth years	6
Dividend payment date	2026-10-21
Dividend payment years	8
Dividend payout frequency	Quarterly
Dividend per share	BRL 6.41
Dividend yield	1.51%
Ex-dividend date	2026-09-22
Last dividend	BRL 1.62
Payout ratio	20.68%
Shareholder yield	2.52%

Performance and technicals

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

Metric	Value
150-day SMA	BRL 283.58
1D price change	0%
20-day SMA	BRL 402.70
3Y price change	67.34%
3Y return CAGR	21.06%
3Y total return	77.44%
50-day SMA	BRL 323.00
52-week high	BRL 442.64
52-week high date	2026-09-17
52-week low	BRL 422.89
52-week low date	2026-09-23
5Y price change	30.32%
5Y return CAGR	7.36%
5Y total return	42.64%
All-time high	BRL 484.80
All-time high date	2024-11-29
All-time low	BRL 146.50
All-time low date	2020-05-13
Average true range (ATR)	BRL 19.32
Average volume	24.5
Beta (5Y)	0.53
Change from 52-week high	-4.17%
Change from 52-week low	0.31%
Change from all-time high	-12.5%
Change from all-time low	189.56%
Change from open	0%
Day's gap	0%
High price	BRL 424.20
Low price	BRL 424.20
Monthly RSI	60.73
Open price	BRL 424.20
Previous close	BRL 424.20
Price vs 150-day SMA	49.59%
Price vs 20-day SMA	5.34%
Price vs 50-day SMA	31.33%
Relative volume	0.08
RSI	58.73
Sharpe ratio	1.6
Sortino ratio	3.68
Volume	0
Weekly RSI	64.9

Ownership and float

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

Metric	Value
Float	150.6M
Shares change (QoQ)	-0.39%
Shares change (YoY)	-1.01%
Shares held by insiders	1.78%
Shares held by institutions	73.8%
Short ratio	6.6 days

Deeper analysis on BVMF/CINF34

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.

→

Financials

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

→

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/CINF34 report

Is a complete BVMF/CINF34 research report available?

No complete published report is available for bvmf/CINF34 (BVMF/CINF34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/CINF34 (BVMF/CINF34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/CINF34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/CINF34 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/CINF34

Frequently asked questions