BVMF/WIZC3 (BVMF/WIZC3)

Brazil Stock Exchange: BVMF/WIZC3 · BRL

R$5.85

-0.10 (-1.7%)· Recorded snapshot

Market cap	935.5M
Revenue (ttm)	1.3B
Net income (ttm)	198.4M
EPS (ttm)	R$1.24
Shares out	159.9M
P/E (trailing)	4.7x
P/E (forward)	4.6x
Dividend	R$0.63 (10.69%)
Volume	952,800
Beta	0.44

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.3B
Net income (ttm): 198.4M
EPS (ttm): R$1.24
P/E (trailing): 4.7x
P/E (forward): 4.6x
Market cap: 935.5M

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/E4.6

P25 n/aP50 n/aP75 n/a

Trailing P/E4.7

P25 n/aP50 n/aP75 n/a

ROE26.6

P25 n/aP50 n/aP75 n/a

ROIC28.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/WIZC3 indicators

Market & fundamental data

Available fields

247

Groups with data

Currency

BRL

Showing 247 of 247 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	2026-11-05
Employees	1,635
Employees change	-665
Employees growth	-28.91%
Enterprise value	BRL 1.5B
Exchange	Brazil Stock Exchange
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1973
Industry	Insurance Brokers
Is primary listing	Yes
ISIN number	BRWIZCACNOR5
Last earnings date	2026-08-06
Last refreshed	2026-10-29
Market cap	BRL 935.5M
Next earnings date	2026-11-05
Price	BRL 5.85
Price currency	BRL
Sector	Financials
SIC code	6411
Stock price date	2026-10-29
Symbol	bvmf/WIZC3
Website	https://wiz.co

Valuation

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

Metric	Value
Average P/E ratio (10Y)	9.11x
Average P/E ratio (3Y)	6.73x
Average P/E ratio (5Y)	7.58x
Earnings yield	21.21%
EV/Earnings	7.77x
EV/EBIT	2.53x
EV/EBITDA	2.21x
EV/FCF	3.33x
EV/Sales	1.21x
FCF / EV yield	30%
FCF yield	48.63%
Forward P/E	4.65x
Graham number	11.37408
Graham upside	93.77%
Lynch fair value	BRL 6.20
Lynch upside	5.7%
P/B ratio	0.71x
P/E ratio	4.71x
P/FCF ratio	2.06x
P/OCF ratio	2.05x
P/S ratio	0.75x
Price/EBITDA ratio	1.47x
Sector forward P/E	7.86x
Sector P/E	8.95x

Profitability

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

Metric	Value
EBIT margin	44.09%
EBITDA margin	50.73%
Effective tax rate	33.2%
FCF margin	36.31%
Gross margin	60.14%
Operating margin	44.09%
Pretax margin	40.7%
Profit margin	15.57%
Profit per employee	BRL 265,991
Profitable quarters	50
Profitable years	15
Revenue per employee	BRL 1.7M
ROA	14.47%
ROA (5Y)	12.07%
ROCE	30.6%
ROE	26.56%
ROE (5Y)	25.24%
ROIC	28.56%
ROIC (5Y)	31.19%
Tax / revenue	13.51%

Growth

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

Metric	Value
EPS growth	7.38%
EPS growth (Q)	8.45%
EPS growth (QoQ)	34.44%
EPS growth 10Y	3.93%
EPS growth 3Y	25.26%
EPS growth 5Y	-3.82%
EPS growth quarters	1
EPS growth years	3
FCF growth	3.88%
FCF growth (Q)	15.91%
FCF growth (QoQ)	130.2%
FCF growth 3Y	3.05%
FCF growth 5Y	-0.5%
Gross profit growth	-8.61%
Gross profit growth (Q)	-25.98%
Gross profit growth 3Y	10.49%
Gross profit growth 5Y	2.69%
Net income growth	7.38%
Net income growth (Q)	8.45%
Net income growth (QoQ)	34.44%
Net income growth 3Y	25.26%
Net income growth 5Y	-3.82%
Net income growth quarters	1
Net income growth years	3
OCF growth	3.08%
OCF growth (Q)	15.73%
OCF growth (QoQ)	129.52%
OCF growth 10Y	11.83%
OCF growth 3Y	2.8%
OCF growth 5Y	-0.5%
Operating income growth	-6.33%
Operating income growth (Q)	-26.41%
Operating income growth 3Y	21.8%
Operating income growth 5Y	7.33%
Revenue growth	-6.01%
Revenue growth (Q)	-20.04%
Revenue growth (QoQ)	-5.38%
Revenue growth 10Y	13.02%
Revenue growth 3Y	8.91%
Revenue growth 5Y	6.54%
Revenue growth years	0

Financial statements

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

Metric	Value
Capital expenditures	BRL -1.8M
Depreciation and amortization	BRL 84.6M
EBIT	BRL 561.8M
EBITDA	BRL 646.4M
EPS	BRL 1.24
FCF per share	BRL 2.89
Financing cash flow	BRL -440.7M
Free cash flow	BRL 462.7M
Gross profit	BRL 766.3M
Income taxes	BRL 172.2M
Investing cash flow	BRL -26.2M
Net borrowing	BRL -82.3M
Net cash flow	BRL -2.4M
Net income	BRL 198.4M
Operating income	BRL 561.8M
Revenue	BRL 1.3B

Financial strength

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

Metric	Value
Altman Z-Score	2.55
Book value per share	BRL 4.63
Debt / EBITDA	0.58
Debt / equity	0.28
Debt / FCF	0.81
Goodwill	BRL 316.5M
Interest coverage	9.01
Long-term assets	BRL 1.8B
Long-term liabilities	BRL 493.1M
Net cash (debt)	BRL 10.8M
Net cash / market cap	1.14%
Net debt / EBITDA	-0.02
Net debt / equity	-0.01
Net debt / FCF	-0.02
Piotroski F-Score	6
Property, plant and equipment	BRL 12.7M
Shareholders' equity	BRL 1.3B
Tangible book value	BRL -655M
Tangible book value per share	BRL -4.10
Total assets	BRL 2.4B
Total cash	BRL 386.1M
Total debt	BRL 375.2M
Total liabilities	BRL 1.1B
WACC	7.92%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.53
Current assets	BRL 630.8M
Current liabilities	BRL 571.5M
Current ratio	1.1
Net working capital	BRL -228.4M
Quick ratio	1.01
Working capital	BRL 59.3M
Working capital turnover	131.88

Dividends and buybacks

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

Metric	Value
Dividend growth	151.17%
Dividend growth (3Y)	12.19%
Dividend growth (5Y)	0.64%
Dividend growth years	1
Dividend payment date	2026-12-31
Dividend payment years	12
Dividend payout frequency	Semi-Annual
Dividend per share	BRL 0.63
Dividend yield	10.69%
Ex-dividend date	2026-04-29
FCF payout ratio	21.73%
Last dividend	BRL 0.31
Payout ratio	126.18%
Shareholder yield	10.65%

Performance and technicals

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

Metric	Value
10Y price change	-61.42%
10Y return CAGR	-2.53%
10Y total return	-22.59%
150-day SMA	BRL 8.14
1D price change	-1.68%
1M price change	-24.68%
1M total return	-24.68%
1W price change	-16.48%
1W total return	-16.48%
1Y price change	-30.18%
1Y return CAGR	-25.1%
1Y total return	-25.08%
20-day SMA	BRL 7.83
200-day SMA	BRL 8.45
3M price change	-28.64%
3M total return	-28.64%
3Y price change	16.6%
3Y return CAGR	10.54%
3Y total return	35.08%
50-day SMA	BRL 7.86
50-day SMA vs 200-day SMA	50under200
52-week high	BRL 10.37
52-week high date	2026-02-03
52-week low	BRL 5.80
52-week low date	2026-10-29
5Y price change	-42.16%
5Y return CAGR	-4.89%
5Y total return	-22.15%
6M price change	-35.72%
6M total return	-33.43%
All-time high	BRL 23.39
All-time high date	2017-05-16
All-time low	BRL 4.94
All-time low date	2023-10-31
Average true range (ATR)	BRL 0.43
Average volume	1.6M
Beta (1Y)	0.09
Beta (2Y)	0.21
Beta (5Y)	0.44
Change from 52-week high	-43.59%
Change from 52-week low	0.86%
Change from all-time high	-75.07%
Change from all-time low	18.02%
Change from open	-1.85%
Day's gap	0.17%
Dollar volume	BRL 5.6M
High price	BRL 6.07
Low price	BRL 5.80
Monthly RSI	37.03
Open price	BRL 5.96
Position in 52-week range	18.52%
Previous close	BRL 5.95
Price vs 150-day SMA	-28.4%
Price vs 20-day SMA	-25.54%
Price vs 200-day SMA	-31%
Price vs 50-day SMA	-25.78%
Relative volume	0.61
RSI	23.71
Sharpe ratio	-0.68
Sharpe ratio (3Y)	0.35
Sharpe ratio (5Y)	-0.1
Sortino ratio	-0.66
Sortino ratio (3Y)	0.65
Sortino ratio (5Y)	0
Volume	952.8K
Weekly RSI	32.26
YTD price change	-34.64%
YTD total return	-32.31%

Ownership and float

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

Metric	Value
Float	37M
Shares change (QoQ)	0%
Shares held by institutions	1.89%
Shares outstanding	159.9M

Deeper analysis on BVMF/WIZC3

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.

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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/WIZC3 report

Is a complete BVMF/WIZC3 research report available?

No complete published report is available for bvmf/WIZC3 (BVMF/WIZC3) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/WIZC3 (BVMF/WIZC3)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/WIZC3

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/WIZC3 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/WIZC3

Frequently asked questions