Porto Seguro S.A

Porto Seguro S.A

PSSA3 · SA · Financial Services / Insurance - Diversified

46.41BRL+0.47 (+1.02%)

Price History

Full chart

Market Stats

Previous Close45.94
Open45.93
Day Range45.72 – 46.87
52-Week Range42.87 – 55.55
Volume2.18M
Market Cap33.04B
P/E (TTM)9.07
Forward P/E7.97
EPS5.68
Dividend Yield4.21%
Beta0.37
50-Day Avg49.83
200-Day Avg50.34

About

Porto Seguro S.A., together with its subsidiaries, provides a range of insurance products and services in Brazil and Uruguay. It offers auto, residential, travel, cell phone, life, motorcycle, notebook and tablet, photo and video, smart and games, bike, real estate, green card, bail, and moving insurance products, as well as reinsurance, combined protection, professional civil liability, machines and equipment, events, agribusiness, and taxi insurance. The company also engages in the management and market of capitalization bonds; granting loans and financing for consumption and working capital; operation of credit cards; management of consortium groups for the acquisition of movable and immovable properties; distribution of investment fund units; maintenance, development and licensing of programs; installation of heating systems, natural gas and liquefied petroleum gas; operation of oncology, hematology, and radiotherapy centers; sale and distribution of automotive parts; and administration and management of securities portfolios, investment funds, and financial resources. In addition, it provides technical insurance brokerage services; services for obtaining credit and consumer financing; technical support for software and other information technology services; intermediation and agency services for services and businesses; debt collection and credit information services; administrative advisory services to physicians and health insurance companies; consulting and advisory services in occupational health, workplace safety, ergonomics, and outpatient services; electronic protection and monitoring related services; and telemarketing and general customer services. The company was founded in 1945 and is based in São Paulo, Brazil. Porto Seguro S.A. operates as a subsidiary of Porto Seguro Itaú Unibanco Participações S.A.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Diversified
  • CEOMr. Paulo Sérgio Kakinoff
  • Employees13.52K
  • HeadquartersRua Barão de Piracicaba, 740, São Paulo, SP, Brazil, 01216-012, Brazil
  • Websitehttps://www.portoseguro.com.br

Leadership

  • Mr. Paulo Sérgio KakinoffCEO & Member of Executive Board · b. 1974
  • Mr. Celso DamadiDeputy CEO of Finance, Controlling & Investments and Member of Executive Board · b. 1969
  • Mr. Lene Araújo De LimaDeputy CEO of Services & Member of Executive Board · b. 1972
  • Mr. Roberto de Souza SantosMember of Executive Board & Director · b. 1961
  • Mr. Marcos Roberto LoucaoDeputy CEO of Financial Business & Member of Executive Board · b. 1974
  • Mr. Sami FoguelDeputy CEO of Health & Member of Executive Board · b. 1974
  • Mr. Luiz Augusto de Medeiros ArrudaDeputy CEO of Commercial & Marketing and Member of Executive Board · b. 1980
  • Mr. Domingos de Toledo Piza FalavinaInvestor Relations Director, Chief Investor Relations Officer & Member of Executive Board · b. 1984
  • Mr. Marcos Rogerio SirelliVice-President of Technology, Data & Customer Service and Member of Executive Board · b. 1971
  • Ms. Patricia Quirico CoimbraExecutive Director of People & Culture and Member of Executive Board · b. 1968

Financials

Income Statement

Currency: BRL2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.77B1.79B1.87B2.04B2.93B3.44B5.09B4.54B4.91B7.24B9.90B10.07B11.72B13.01B15.10B16.41B17.33B18.73B17.85B19.21B19.78B22.25B24.44B33.84B32.69B42.75B
Growth (%)-+1.45%+4.31%+9.41%+43.56%+17.13%+47.95%-10.77%+8.08%+47.55%+36.85%+1.66%+16.36%+11.07%+16.08%+8.66%+5.60%+8.07%-4.71%+7.62%+2.99%+12.49%+9.83%+38.45%-3.40%+30.78%
Cost of Revenue-------------8.72B10.03B10.54B11.33B12.00B11.95B12.10B---284.19M-352.80M
Gross Profit----2.93B3.44B5.09B4.54B4.91B7.24B9.90B10.07B11.72B13.01B15.10B16.41B17.33B18.73B17.85B19.21B19.78B22.25B24.44B33.55B32.69B42.39B
Gross Margin----100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%99.16%100.00%99.17%
Operating Expense----2.71B3.05B4.31B3.83B4.44B6.82B9.00B9.27B10.76B10.79B13.77B15.00B15.99B17.20B15.68B17.18B17.18B20.54B23.12B29.95B28.74B37.76B
Operating Income---258.28M227.02M385.41M776.55M703.55M467.14M416.43M905.85M796.22M954.92M2.23B1.33B1.41B1.34B1.53B2.17B2.03B2.61B1.72B1.32B3.60B3.94B4.64B
Operating Margin---12.63%7.74%11.21%15.27%15.50%9.52%5.75%9.15%7.91%8.15%17.11%8.82%8.60%7.72%8.18%12.14%10.55%13.17%7.71%5.41%10.64%12.07%10.85%
EBITDA----365.03M525.87M805.98M779.96M706.68M710.55M1.35B1.24B1.08B2.38B1.51B1.64B1.59B2.42B2.99B2.28B2.96B2.04B1.94B4.24B4.45B5.11B
EBITDA Margin----12.44%15.30%15.85%17.19%14.41%9.82%13.61%12.28%9.26%18.28%10.00%9.97%9.17%12.93%16.77%11.88%14.94%9.17%7.94%12.54%13.60%11.96%
Net Income---141.07M149.75M248.66M460.16M419.94M290.31M318.29M623.36M580.08M682.58M1.41B875.83M1.00B915.60M1.10B1.31B1.38B1.69B1.54B1.14B2.27B2.64B3.38B
Net Income Margin---6.90%5.10%7.23%9.05%9.25%5.92%4.40%6.29%5.76%5.83%10.80%5.80%6.10%5.28%5.88%7.34%7.18%8.53%6.94%4.66%6.70%8.09%7.91%
Interest Expense0000335.26M1.03B525.05M0164.75M189.43M284.98M289.66M7.21M21.23M17.52M27.45M43.52M662.20M574.36M17.08M122.90M93.41M333.62M316.94M87.61M50.08M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%11.42%29.85%10.32%0.00%3.36%2.62%2.88%2.88%0.06%0.16%0.12%0.17%0.25%3.54%3.22%0.09%0.62%0.42%1.37%0.94%0.27%0.12%

Balance Sheet

Currency: BRL2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.76B1.95B2.15B2.47B892.49M4.58B5.69B6.59B7.75B11.52B14.80B16.79B18.87B20.41B21.42B23.19B25.36B28.98B30.56B32.71B36.73B42.87B39.91B44.24B47.91B55.86B
Total Liabilities1.32B1.45B1.57B1.81B6.18M3.49B4.16B4.78B5.79B8.40B10.36B12.09B13.67B14.52B15.42B16.75B18.36B21.26B22.92B24.44B27.73B33.51B29.34B31.74B33.77B39.99B
Total Equity442.87M499.12M575.60M658.54M892.21M1.10B1.53B1.81B1.96B3.13B4.44B4.70B5.07B5.89B6.00B6.43B7.00B7.71B7.64B8.27B9.00B9.36B10.52B12.42B14.05B15.74B
Cash3.43M2.77M2.21M3.54M9.72M7.96M13.58M19.86M26.58M38.04M39.44M1.52B683.30M1.34B139.15M1.15B133.81M1.27B769.47M171.94M339.58M438.88M450.69M719.05M503.89M1.90B
Total Debt-------42.37M84.29M219.02M--200.06M179.37M318.39M594.51M868.53M531.41M1.41B2.00B1.86B3.61B1.33B859.58M163.47M719.92M
Net Debt-----9.72M-7.96M-13.58M42.37M84.29M180.98M-39.44M-1.52B-491.80M-1.34B-139.15M-1.15B-133.81M-1.27B-769.47M-171.94M-339.58M-438.88M878.71M140.53M-340.42M-1.18B

Cash Flow

Currency: BRL2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-85.81M86.40M133.51M288.66M402.49M-722.71M491.79M703.75M-182.18M1.44B899.90M1.04B520.46M1.31B1.03B1.23B1.44B2.47B2.85B69.77M2.42B1.37B
Investing Cash Flow--20.79M-21.47M-40.23M-140.44M-228.56M-112.09M-363.52M-370.79M-357.61M-364.16M-389.61M-456.72M-442.77M-487.51M-168.11M-316.03M-448.56M-929.22M-1.53B72.19M232.84M-494.41M
Financing Cash Flow--63.38M-66.69M-87.66M-141.94M-167.22M846.26M-125.44M-295.92M-301.17M-368.80M-842.93M-433.94M-350.52M-442.38M-1.36B-793.63M-967.58M-1.06B-291.32M-1.47B-1.56B-1.17B
Capital Expenditure026.05M25.31M44.12M128.93M242.33M124.97M372.65M370.79M373.54M375.11M399.54M485.49M455.96M533.83M392.42M463.27M639.96M1.13B2.26B701.24M283.46M137.10M
Free Cash Flow-59.77M61.10M89.39M159.72M160.16M-847.68M119.14M332.96M-555.71M1.07B500.37M556.21M64.50M780.58M639.31M770.18M798.80M1.34B586.10M-502.65M2.13B1.23B
Dividends Paid-63.38M66.69M87.66M-143.75M---276.92M165.14M638.04M205.69M45.76M326.44M1.24B655.31M689.51M844.07M629.48M357.09M838.42M1.19B
FCF to OCF-69.65%70.71%66.95%55.33%39.79%117.29%24.23%47.31%305.04%73.98%55.60%53.39%12.39%59.39%61.96%62.44%55.52%54.39%20.56%-720.48%88.26%89.98%
Dividend Paid to FCF-106.04%109.16%98.07%-89.75%----49.83%15.49%127.51%36.98%70.95%41.82%194.01%85.08%86.32%62.79%107.40%-71.04%39.33%96.65%

Earnings

Report DateMay 13, 2005Aug 12, 2005Nov 11, 2005May 2, 2006Aug 10, 2006Nov 10, 2006Feb 12, 2007Aug 10, 2007Nov 9, 2007May 12, 2008Aug 8, 2008Nov 7, 2008Feb 27, 2009Aug 10, 2009Nov 11, 2009Feb 9, 2010May 4, 2010Aug 3, 2010Nov 3, 2010Feb 25, 2011May 3, 2011Aug 2, 2011Nov 1, 2011Feb 28, 2012May 14, 2012Jul 15, 2012Nov 12, 2012Feb 27, 2013May 3, 2013Aug 9, 2013Oct 29, 2013Feb 14, 2014Apr 30, 2014Aug 5, 2014Nov 19, 2014Feb 13, 2015May 5, 2015Aug 4, 2015Nov 4, 2015Feb 4, 2016May 3, 2016Aug 2, 2016Oct 31, 2016Feb 6, 2017May 2, 2017Aug 1, 2017Oct 31, 2017Feb 5, 2018May 2, 2018Jul 30, 2018Nov 5, 2018Feb 4, 2019May 3, 2019Aug 2, 2019Nov 4, 2019Feb 3, 2020May 4, 2020Aug 3, 2020Nov 3, 2020Feb 8, 2021May 3, 2021Aug 10, 2021Nov 10, 2021Feb 7, 2022May 6, 2022Aug 18, 2022Nov 9, 2022Feb 9, 2023May 11, 2023Aug 24, 2023Nov 17, 2023Feb 27, 2024May 14, 2024Aug 13, 2024Nov 12, 2024Feb 13, 2025May 9, 2025Aug 13, 2025Nov 11, 2025Feb 5, 2026May 7, 2026Aug 7, 2026Nov 5, 2026
EPS Estimate0.090.100.120.200.180.210.380.230.260.150.190.220.210.140.160.140.140.170.240.28-0.230.22-0.220.210.21-0.180.230.26-0.240.340.350.470.330.410.400.560.340.340.330.490.320.390.340.450.300.470.420.600.460.580.540.590.460.590.520.590.450.600.790.500.300.380.470.590.610.890.890.960.880.821.021.141.111.261.321.211.331.401.31
EPS Actual0.090.110.160.210.190.220.390.270.280.100.200.170.280.140.160.180.200.210.310.290.220.170.230.290.210.210.240.390.170.300.271.440.240.340.370.440.360.420.280.440.370.270.320.470.330.370.400.420.430.520.490.600.460.590.520.570.351.040.630.680.500.650.640.460.270.200.420.860.541.040.961.141.020.861.161.091.281.351.281.301.751.35-
Surprise0.00%10.00%33.33%5.00%5.56%4.76%2.63%17.39%7.69%-33.33%5.26%-22.73%33.33%0.00%0.00%28.57%42.86%23.53%29.17%3.57%--26.09%4.55%--4.55%0.00%14.29%--5.56%30.43%3.85%-0.00%0.00%5.71%-6.38%9.09%2.44%-30.00%-21.43%8.82%-20.59%-3.03%-4.08%3.13%-5.13%17.65%-6.67%43.33%10.64%16.67%0.00%0.00%1.72%-3.70%-3.39%-23.91%76.27%21.15%15.25%11.11%8.33%-18.99%-8.00%-10.00%-47.37%-10.64%45.76%-11.48%16.85%7.87%18.75%15.91%4.88%13.73%-4.39%15.32%7.14%-3.03%7.44%31.58%-3.57%-
TimingPre-marketAfter-hoursPre-market----After-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-Pre-marketPre-marketAfter-hours-After-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hours

Key Statistics & Ratios

Market Cap33.04B
Enterprise Value30.04B
Trailing P/E9.07
Forward P/E7.97
PEG Ratio0.39
Price / Sales0.73
Price / Book1.91
EPS5.68
Book Value25.16
Revenue (TTM)45.33B
Gross Profit (TTM)18.85B
EBITDA5.31B
Profit Margin8.13%
Operating Margin12.35%
Return on Equity24.17%
Return on Assets6.06%
Shares Outstanding640.99M
Shares Float183.11M
Beta0.37
Dividend Yield4.21%
Dividend Rate2.08
Payout Ratio43.64%

Dividends

20263×
0.51Jun 22, 20260.89Mar 31, 20260.54Mar 30, 2026
20254×
0.54Dec 26, 20250.53Sep 25, 20250.48Jun 26, 20251.04Mar 28, 2025
20245×
0.42Dec 30, 20240.41Sep 27, 20240.32Jun 28, 20240.60Mar 29, 20240.39Mar 28, 2024
20233×
0.53Dec 27, 20230.29Sep 28, 20230.59Jun 29, 2023
20223×
0.09Oct 31, 20220.62Aug 30, 20220.45Mar 31, 2022
20213×
0.28Oct 29, 20210.69Jul 29, 20211.64Mar 31, 2021
20203×
0.28Nov 3, 20200.56Oct 30, 20200.60Jun 29, 2020

Stock Splits

  • Oct 21, 20212:1
  • Mar 31, 20083:1