BVMF/SAUD3 (BVMF/SAUD3)

Brazil Stock Exchange: BVMF/SAUD3 · BRL

R$14.9

+0.09 (+0.6%)· Recorded snapshot

Market cap	43.5B
Revenue (ttm)	10.7B
Net income (ttm)	1.1B
EPS (ttm)	R$1.19
Shares out	2.9B
P/E (trailing)	12.5x
P/E (forward)	8.6x
Dividend	R$0.81 (5.47%)
Volume	14,054,900
Beta	0.57

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 10.7B
Net income (ttm): 1.1B
EPS (ttm): R$1.19
P/E (trailing): 12.5x
P/E (forward): 8.6x
Market cap: 43.5B

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/E8.6

P25 n/aP50 n/aP75 n/a

Trailing P/E12.5

P25 n/aP50 n/aP75 n/a

ROE10.5

P25 n/aP50 n/aP75 n/a

ROIC12.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/SAUD3 indicators

Market & fundamental data

Available fields

240

Groups with data

Currency

BRL

Showing 240 of 240 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	2026-10-21
Employees	1,957
Enterprise value	BRL 43.6B
Exchange	Brazil Stock Exchange
Financial currency	BRL
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1987
Industry	Healthcare Plans
Is primary listing	Yes
ISIN number	BRSAUDACNOR9
Last earnings date	2026-10-21
Last refreshed	2026-10-29
Last stock split date	2022-04-05
Last stock split type	Forward
Market cap	BRL 43.5B
Next earnings date	2027-02-26
Price	BRL 14.87
Price currency	BRL
Sector	Healthcare
SIC code	8000
Stock price date	2026-10-29
Symbol	bvmf/SAUD3
Website	https://www.bradescori.com.br/en/bradesco/bradsaude/

Valuation

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

Metric	Value
Adjusted P/E ratio	15.89x
Average P/E ratio (10Y)	19.33x
Average P/E ratio (3Y)	14.15x
Average P/E ratio (5Y)	14.94x
Earnings yield	8.01%
EV/Earnings	41.13x
EV/EBIT	23.41x
EV/EBITDA	23.41x
EV/FCF	68.35x
EV/Sales	4.06x
FCF / EV yield	1.46%
FCF yield	1.47%
Forward P/E	8.65x
Graham number	13.09515
Graham upside	-11.4%
Lynch fair value	BRL 28.15
Lynch upside	90.49%
P/B ratio	2.31x
P/E ratio	12.48x
P/FCF ratio	68.12x
P/OCF ratio	66.84x
P/S ratio	4.04x
PEG ratio	0.82x
Price / tangible book value	2.55x
Price/EBITDA ratio	24.65x
Sector forward P/E	11.07x
Sector P/E	41.13x

Profitability

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

Metric	Value
EBIT margin	16.52%
EBITDA margin	16.41%
Effective tax rate	26.42%
FCF margin	5.94%
Gross margin	29.36%
Operating margin	16.52%
Pretax margin	13.4%
Profit margin	9.87%
Profit per employee	BRL 538,577
Profitable quarters	70
Profitable years	23
Revenue per employee	BRL 5.5M
ROA	5.03%
ROA (5Y)	22.35%
ROCE	6.55%
ROE	10.54%
ROE (5Y)	38.72%
ROIC	12.75%
ROIC (5Y)	40.3%
Tax / revenue	3.54%

Growth

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

Metric	Value
EPS growth	11.75%
EPS growth (Q)	-19.57%
EPS growth (QoQ)	-21.95%
EPS growth 10Y	12.52%
EPS growth 3Y	18.35%
EPS growth 5Y	13.77%
EPS growth years	3
FCF growth	21.14%
FCF growth (Q)	74.33%
FCF growth 3Y	13.75%
FCF growth 5Y	-2.51%
Net income growth	81.75%
Net income growth (Q)	330.8%
Net income growth (QoQ)	318.62%
Net income growth 3Y	37.27%
Net income growth 5Y	23.64%
Net income growth quarters	1
Net income growth years	3
OCF growth	21.91%
OCF growth (Q)	78.27%
OCF growth 10Y	11.35%
OCF growth 3Y	14%
OCF growth 5Y	-2.35%
Revenue growth	328.07%
Revenue growth (Q)	1,262.84%
Revenue growth (QoQ)	1,248.08%
Revenue growth 10Y	22.32%
Revenue growth 3Y	72.89%
Revenue growth 5Y	41.17%
Revenue growth quarters	15
Revenue growth years	5

Financial statements

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

Metric	Value
Capital expenditures	BRL -12.2M
EBIT	BRL 1.8B
EBITDA	BRL 1.8B
EPS	BRL 1.19
FCF per share	BRL 0.22
Financing cash flow	BRL -433.2M
Free cash flow	BRL 634.3M
Gross profit	BRL 3.1B
Income taxes	BRL 378.3M
Investing cash flow	BRL -183.5M
Net borrowing	BRL -17.6M
Net cash flow	BRL 29.7M
Net income	BRL 1.1B
Operating income	BRL 1.8B
Revenue	BRL 10.7B

Financial strength

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

Metric	Value
Book value per share	BRL 6.40
Debt / EBITDA	0.12
Debt / equity	0.01
Debt / FCF	0.32
Goodwill	BRL 708.4M
Interest coverage	5.03
Net cash (debt)	BRL -143.6M
Net cash / market cap	-0.33%
Net debt / EBITDA	0.08
Net debt / equity	0.01
Net debt / FCF	0.23
Piotroski F-Score	4
Property, plant and equipment	BRL 345.6M
Shareholders' equity	BRL 18.7B
Tangible book value	BRL 16.9B
Tangible book value per share	BRL 5.79
Total assets	BRL 41.7B
Total cash	BRL 13.2B
Total debt	BRL 204.8M
Total liabilities	BRL 23B
WACC	7.92%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.49
Current ratio	1.07
Inventory turnover	3,419.12
Net working capital	BRL 940M
Quick ratio	1.06
Working capital	BRL 964.2M

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-62.64%
Dividend growth	0%
Dividend growth (10Y)	8.49%
Dividend growth (3Y)	25.79%
Dividend growth (5Y)	10.16%
Dividend growth years	0
Dividend payment date	2026-11-30
Dividend payment years	20
Dividend payout frequency	Quarterly
Dividend per share	BRL 0.81
Dividend yield	5.47%
Ex-dividend date	2026-11-03
FCF payout ratio	313.08%
Last dividend	BRL 0.31
Payout ratio	39.2%
Shareholder yield	-57.13%

Performance and technicals

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

Metric	Value
10Y price change	39.24%
10Y return CAGR	7.99%
10Y total return	115.67%
150-day SMA	BRL 14.43
15Y price change	81.01%
15Y return CAGR	8.45%
15Y total return	237.43%
1D price change	0.61%
1M price change	12.62%
1M total return	12.62%
1W price change	-3.96%
1W total return	-3.96%
1Y price change	14.54%
1Y return CAGR	18.16%
1Y total return	18.14%
20-day SMA	BRL 15.31
200-day SMA	BRL 13.91
3M price change	-0.87%
3M total return	-0.37%
3Y price change	42.54%
3Y return CAGR	21.09%
3Y total return	77.55%
50-day SMA	BRL 14.66
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 16.57
52-week high date	2026-02-27
52-week low	BRL 10.39
52-week low date	2026-01-13
5Y price change	24.36%
5Y return CAGR	10.46%
5Y total return	64.41%
6M price change	1.51%
6M total return	2.49%
All-time high	BRL 17.18
All-time high date	2019-07-18
All-time low	BRL 1.48
All-time low date	2009-02-10
Average true range (ATR)	BRL 0.74
Average volume	8.6M
Beta (1Y)	0.64
Beta (2Y)	0.58
Beta (5Y)	0.57
Change from 52-week high	-10.26%
Change from 52-week low	43.12%
Change from all-time high	-13.81%
Change from all-time low	902.71%
Change from open	0.47%
Day's gap	0.14%
Dollar volume	BRL 209M
High price	BRL 15.20
Low price	BRL 14.66
Monthly RSI	57.49
Open price	BRL 14.80
Position in 52-week range	38.89%
Previous close	BRL 14.78
Price vs 150-day SMA	2.65%
Price vs 20-day SMA	-3.28%
Price vs 200-day SMA	6.45%
Price vs 50-day SMA	1%
Relative volume	1.63
RSI	47.8
Sharpe ratio	0.49
Sharpe ratio (3Y)	0.62
Sharpe ratio (5Y)	0.28
Sortino ratio	0.86
Sortino ratio (3Y)	1.07
Sortino ratio (5Y)	0.57
Volume	14.1M
Weekly RSI	51.81
YTD price change	32.23%
YTD total return	33.51%

Ownership and float

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

Metric	Value
Float	252.9M
Shares change (QoQ)	436.32%
Shares change (YoY)	62.64%
Shares held by institutions	4.58%
Shares outstanding	2.9B

Deeper analysis on BVMF/SAUD3

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/SAUD3 report

Is a complete BVMF/SAUD3 research report available?

No complete published report is available for bvmf/SAUD3 (BVMF/SAUD3) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/SAUD3 (BVMF/SAUD3)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/SAUD3

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/SAUD3 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/SAUD3

Frequently asked questions