Porto Seguro S.A. Logo

Porto Seguro S.A.

PSSA3.SA

(3.5)
Stock Price

39,21 BRL

6.01% ROA

19.83% ROE

9.84x PER

Market Cap.

23.961.297.260,00 BRL

5.57% DER

3.62% Yield

7.69% NPM

Porto Seguro S.A. Stock Analysis

Porto Seguro S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Porto Seguro S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (17.42%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a minimal amount of debt (15%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

5 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

6 ROA

The stock's ROA (3.83%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 PBV

The stock's PBV ratio (1.54x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (630) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Porto Seguro S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Porto Seguro S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Porto Seguro S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Porto Seguro S.A. Revenue
Year Revenue Growth
2004 2.894.777.000
2005 -91.279.000 3271.35%
2006 4.066.410.000 102.24%
2007 4.694.159.000 13.37%
2008 5.387.097.000 12.86%
2009 6.010.927.000 10.38%
2010 9.904.625.000 39.31%
2011 11.044.355.000 10.32%
2012 11.702.027.000 5.62%
2013 13.380.754.000 12.55%
2014 15.141.200.000 11.63%
2015 16.471.440.000 8.08%
2016 17.360.298.000 5.12%
2017 18.113.776.000 4.16%
2018 18.949.888.000 4.41%
2019 19.280.423.000 1.71%
2020 19.791.435.000 2.58%
2021 22.355.468.000 11.47%
2022 28.900.905.000 22.65%
2023 35.075.860.000 17.6%
2023 30.417.341.000 -15.32%
2024 35.939.448.000 15.37%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Porto Seguro S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Porto Seguro S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 584.406.000 100%
2006 632.690.000 7.63%
2007 0 0%
2008 0 0%
2009 1.060.187.000 100%
2010 1.588.376.000 33.25%
2011 0 0%
2012 822.253.000 100%
2013 891.695.000 7.79%
2014 1.078.263.000 17.3%
2015 1.186.615.000 9.13%
2016 1.065.296.000 -11.39%
2017 1.126.811.000 5.46%
2018 1.064.573.000 -5.85%
2019 1.153.108.000 7.68%
2020 1.191.639.000 3.23%
2021 1.302.967.000 8.54%
2022 1.476.466.000 11.75%
2023 1.605.704.000 8.05%
2023 1.689.229.000 4.94%
2024 1.918.168.000 11.94%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Porto Seguro S.A. EBITDA
Year EBITDA Growth
2004 512.294.000
2005 1.303.112.000 60.69%
2006 1.229.534.000 -5.98%
2007 651.586.000 -88.7%
2008 548.880.000 -18.71%
2009 723.061.000 24.09%
2010 1.347.033.000 46.32%
2011 1.236.083.000 -8.98%
2012 1.087.184.000 -13.7%
2013 2.386.644.000 54.45%
2014 1.509.850.000 -58.07%
2015 1.638.928.000 7.88%
2016 1.593.263.000 -2.87%
2017 1.817.067.000 12.32%
2018 2.501.663.000 27.37%
2019 -643.909.000 488.51%
2020 -260.914.000 -146.79%
2021 -1.805.159.000 85.55%
2022 1.912.238.000 194.4%
2023 754.924.000 -153.3%
2023 3.872.607.000 80.51%
2024 413.632.000 -836.24%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Porto Seguro S.A. Gross Profit
Year Gross Profit Growth
2004 2.894.777.000
2005 -91.279.000 3271.35%
2006 4.066.410.000 102.24%
2007 4.694.159.000 13.37%
2008 5.387.097.000 12.86%
2009 6.010.927.000 10.38%
2010 9.904.625.000 39.31%
2011 11.044.355.000 10.32%
2012 11.702.027.000 5.62%
2013 13.380.754.000 12.55%
2014 15.141.200.000 11.63%
2015 16.471.440.000 8.08%
2016 17.360.298.000 5.12%
2017 18.113.776.000 4.16%
2018 18.949.888.000 4.41%
2019 19.280.423.000 1.71%
2020 19.791.435.000 2.58%
2021 22.355.468.000 11.47%
2022 28.900.905.000 22.65%
2023 35.075.860.000 17.6%
2023 30.417.341.000 -15.32%
2024 35.939.448.000 15.37%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Porto Seguro S.A. Net Profit
Year Net Profit Growth
2004 149.747.000
2005 248.657.000 39.78%
2006 460.160.000 45.96%
2007 419.864.000 -9.6%
2008 290.175.000 -44.69%
2009 328.582.000 11.69%
2010 623.363.000 47.29%
2011 580.167.000 -7.45%
2012 682.580.000 15%
2013 1.405.207.000 51.42%
2014 875.829.000 -60.44%
2015 1.001.517.000 12.55%
2016 915.599.000 -9.38%
2017 1.100.867.000 16.83%
2018 1.310.620.000 16%
2019 1.379.083.000 4.96%
2020 1.688.191.000 18.31%
2021 1.544.249.000 -9.32%
2022 1.139.971.000 -35.46%
2023 2.317.064.000 50.8%
2023 2.266.149.000 -2.25%
2024 2.335.916.000 2.99%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Porto Seguro S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 1 0%
2006 3 100%
2007 3 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 2 50%
2014 1 -100%
2015 2 0%
2016 1 0%
2017 2 0%
2018 2 50%
2019 2 0%
2020 3 0%
2021 2 0%
2022 2 -100%
2023 4 66.67%
2023 4 0%
2024 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Porto Seguro S.A. Free Cashflow
Year Free Cashflow Growth
2004 59.768.000
2005 61.096.000 2.17%
2006 89.389.000 31.65%
2007 159.724.000 44.04%
2008 160.165.000 0.28%
2009 -847.676.000 118.89%
2010 119.141.000 811.49%
2011 332.960.000 64.22%
2012 -555.713.000 159.92%
2013 1.066.245.000 152.12%
2014 500.367.000 -113.09%
2015 556.211.000 10.04%
2016 64.503.000 -762.3%
2017 780.578.000 91.74%
2018 639.306.000 -22.1%
2019 770.183.000 16.99%
2020 798.799.000 3.58%
2021 1.344.214.000 40.58%
2022 586.104.000 -129.35%
2023 -631.470.000 192.82%
2023 2.717.501.000 123.24%
2024 -324.580.000 937.24%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Porto Seguro S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 85.814.000
2005 86.404.000 0.68%
2006 133.509.000 35.28%
2007 288.657.000 53.75%
2008 402.491.000 28.28%
2009 -722.711.000 155.69%
2010 491.794.000 246.95%
2011 703.746.000 30.12%
2012 -182.176.000 486.3%
2013 1.441.352.000 112.64%
2014 899.903.000 -60.17%
2015 1.041.700.000 13.61%
2016 520.461.000 -100.15%
2017 1.314.404.000 60.4%
2018 1.031.725.000 -27.4%
2019 1.233.451.000 16.35%
2020 1.438.758.000 14.27%
2021 2.471.524.000 41.79%
2022 2.850.592.000 13.3%
2023 69.766.000 -3985.93%
2023 2.729.109.000 97.44%
2024 -249.156.000 1195.34%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Porto Seguro S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 26.046.000
2005 25.308.000 -2.92%
2006 44.120.000 42.64%
2007 128.933.000 65.78%
2008 242.326.000 46.79%
2009 124.965.000 -93.92%
2010 372.653.000 66.47%
2011 370.786.000 -0.5%
2012 373.537.000 0.74%
2013 375.107.000 0.42%
2014 399.536.000 6.11%
2015 485.489.000 17.7%
2016 455.958.000 -6.48%
2017 533.826.000 14.59%
2018 392.419.000 -36.03%
2019 463.268.000 15.29%
2020 639.959.000 27.61%
2021 1.127.310.000 43.23%
2022 2.264.488.000 50.22%
2023 701.236.000 -222.93%
2023 11.608.000 -5940.97%
2024 75.424.000 84.61%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Porto Seguro S.A. Equity
Year Equity Growth
2004 892.487.000
2005 1.095.724.000 18.55%
2006 1.529.972.000 28.38%
2007 1.815.121.000 15.71%
2008 1.964.108.000 7.59%
2009 3.127.063.000 37.19%
2010 4.442.697.000 29.61%
2011 4.703.315.000 5.54%
2012 5.069.387.000 7.22%
2013 5.893.508.000 13.98%
2014 5.999.448.000 1.77%
2015 6.499.802.000 7.7%
2016 7.000.799.000 7.16%
2017 7.716.099.000 9.27%
2018 7.643.721.000 -0.95%
2019 8.269.784.000 7.57%
2020 8.967.130.000 7.78%
2021 9.364.728.000 4.25%
2022 10.641.057.000 11.99%
2023 12.497.798.000 14.86%
2023 11.933.211.000 -4.73%
2024 12.978.509.000 8.05%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Porto Seguro S.A. Assets
Year Assets Growth
2004 892.487.000
2005 4.582.200.000 80.52%
2006 5.688.881.000 19.45%
2007 6.594.484.000 13.73%
2008 7.749.795.000 14.91%
2009 11.522.502.000 32.74%
2010 14.797.703.000 22.13%
2011 16.794.820.000 11.89%
2012 18.739.955.000 10.38%
2013 20.409.315.000 8.18%
2014 22.420.409.000 8.97%
2015 23.175.407.000 3.26%
2016 25.356.707.000 8.6%
2017 28.683.957.000 11.6%
2018 30.560.958.000 6.14%
2019 32.711.299.000 6.57%
2020 36.730.202.000 10.94%
2021 41.629.238.000 11.77%
2022 50.490.921.000 17.55%
2023 44.239.599.000 -14.13%
2023 54.678.125.000 19.09%
2024 44.729.733.000 -22.24%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Porto Seguro S.A. Liabilities
Year Liabilities Growth
2004 6.177.000
2005 3.486.476.000 99.82%
2006 4.158.909.000 16.17%
2007 4.779.363.000 12.98%
2008 5.785.687.000 17.39%
2009 8.395.439.000 31.09%
2010 10.355.006.000 18.92%
2011 12.091.505.000 14.36%
2012 13.670.568.000 11.55%
2013 14.515.807.000 5.82%
2014 16.420.961.000 11.6%
2015 16.675.605.000 1.53%
2016 18.355.908.000 9.15%
2017 20.967.858.000 12.46%
2018 22.917.237.000 8.51%
2019 24.441.515.000 6.24%
2020 27.763.072.000 11.96%
2021 32.264.510.000 13.95%
2022 39.849.864.000 19.03%
2023 31.741.801.000 -25.54%
2023 42.744.914.000 25.74%
2024 31.751.224.000 -34.62%

Porto Seguro S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
49.35
Net Income per Share
3.8
Price to Earning Ratio
9.84x
Price To Sales Ratio
0.75x
POCF Ratio
-95.17
PFCF Ratio
-42.34
Price to Book Ratio
1.88
EV to Sales
0.74
EV Over EBITDA
5.85
EV to Operating CashFlow
-93.09
EV to FreeCashFlow
-41.87
Earnings Yield
0.1
FreeCashFlow Yield
-0.02
Market Cap
23,96 Bil.
Enterprise Value
23,70 Bil.
Graham Number
41.21
Graham NetNet
-30.63

Income Statement Metrics

Net Income per Share
3.8
Income Quality
-0.1
ROE
0.2
Return On Assets
0.06
Return On Capital Employed
0.09
Net Income per EBT
0.63
EBT Per Ebit
1.07
Ebit per Revenue
0.11
Effective Tax Rate
0.36

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.11
Pretax Profit Margin
0.12
Net Profit Margin
0.08

Dividends

Dividend Yield
0.04
Dividend Yield %
3.62
Payout Ratio
0.26
Dividend Per Share
1.35

Operating Metrics

Operating Cashflow per Share
-0.39
Free CashFlow per Share
-0.87
Capex to Operating CashFlow
-1.22
Capex to Revenue
0.01
Capex to Depreciation
0.77
Return on Invested Capital
0.17
Return on Tangible Assets
0.06
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.48

Balance Sheet

Cash per Share
18,31
Book Value per Share
20,00
Tangible Book Value per Share
14.18
Shareholders Equity per Share
19.88
Interest Debt per Share
1.34
Debt to Equity
0.06
Debt to Assets
0.02
Net Debt to EBITDA
-0.07
Current Ratio
4.42
Tangible Asset Value
9,20 Bil.
Net Current Asset Value
-17,92 Bil.
Invested Capital
15788277000
Working Capital
10,70 Bil.
Intangibles to Total Assets
0.08
Average Receivables
0,00 Bil.
Average Payables
0,92 Bil.
Average Inventory
0
Debt to Market Cap
0.03

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Porto Seguro S.A. Dividends
Year Dividends Growth
2009 0
2010 0 0%
2011 1 100%
2012 1 0%
2013 1 100%
2014 2 50%
2015 2 -100%
2016 1 0%
2017 2 0%
2018 7 83.33%
2019 2 -200%
2020 2 0%
2021 3 0%
2022 1 -100%
2023 1 0%
2024 1 0%

Porto Seguro S.A. Profile

About Porto Seguro S.A.

Porto Seguro S.A., together with its subsidiaries, provides a range of insurance products and services for individuals and legal entities in Brazil and Uruguay. The company operates through Auto Insurance, Health Plans and Insurance, Personal Insurance and Supplementary Pension, Insurance - Other Lines, Financial Entities and Consortia, and Other segments. It offers auto insurance; health and dental insurance; damage and personal insurance; casualty insurance coverage to households, companies, condominiums, construction works, farms, liability, equipment, transportation, contractual obligation guarantees, and rental surety insurance; life insurance products; and reinsurance products, as well as supplementary pension plans. The company also manages and trades savings bonds; manages consortium for acquisition of chattels and properties, as well as securities portfolios, investment funds, and other third-party funds; grants loans and financing for consumption and working capital; operates private health care plans and credit cards; distributes investment fund quotas; provides services related to protection and electronic monitoring, as well as technical insurance brokerage, telemarketing and call center, and telecommunication services; and trades in and distributes auto parts. In addition, it offers services of occupational health; outpatient medical services; and administrative advisory to physicians and health care providers, as well as labor security and ergonomics services. The company was founded in 1945 and is headquartered in São Paulo, Brazil. Porto Seguro S.A. is a subsidiary of Porto Seguro Itau-unibanco Participações S.A.

CEO
Mr. Paulo Sérgio Kakinoff
Employee
13.000
Address
Torre B
São Paulo, 01216-012

Porto Seguro S.A. Executives & BODs

Porto Seguro S.A. Executives & BODs
# Name Age
1 Mr. Sami Foguel
Executive Vice President of Healthcare & Member of Executive Board and Deputy Chief Executive Officer of Health
70
2 Mr. Marco Antonio Vettori
Vice President of Development
70
3 Mr. Celso Damadi
Vice President and Executive VP of Financial, Controllership & Investments and Member of Executive Board
70
4 Domingos de Toledo Piza Falavina
Investor Relations Officer
70
5 Mr. José Rivaldo Leite Da Silva
Deputy Chief Executive Officer and Executive Vice President of Insurance & Member of Executive Board
70
6 Mr. Paulo Sérgio Kakinoff
Chief Executive Officer
70
7 Mr. Roberto de Souza Santos
Member of Executive Board & Director
70
8 Mr. Lene Araújo De Lima
Deputy Chief Executive Officer, Executive Vice President of Services & Member of Executive Board
70
9 Mr. Marcos Roberto Loucao
Deputy Chief Executive Officer and Executive Vice President of Financial Businesses & Services and Member of Executive Board
70
10 Mr. Luiz Augusto Arruda
Executive Vice President of Marketing, Clients, Data & Commercial
70

Porto Seguro S.A. Competitors