Qualicorp Consultoria e Corretora de Seguros S.A

Qualicorp Consultoria e Corretora de Seguros S.A

QUAL3 · SA · Healthcare / Healthcare Plans

1.62BRL+0.05 (+3.18%)

Price History

Full chart

Market Stats

Previous Close1.57
Open1.58
Day Range1.58 – 1.67
52-Week Range1.37 – 2.79
Volume3.92M
Market Cap478.05M
P/E (TTM)24.14
Forward P/E6.11
EPS0.07
Dividend Yield0.55%
Beta0.49
50-Day Avg1.57
200-Day Avg1.88

About

Qualicorp Consultoria e Corretora de Seguros S.A. operates as a multi-solution company in Brazil. The company provides private healthcare plans, markets and manages other insurance or complementary services, and provides services for the capture, routing, authorization, and billing of medical and hospital services. It also offers medical auditing services, medical billing processing, call center, licensing of hospital network and claims management systems, and other outsourced support services. In addition, the company provides mass insurance brokerage through retail channels, such as life insurance, capitalization, home insurance, extended warranty, financial protection insurance, and others. Further, the company identifies the target market, defines the marketing strategy and distribution model, and offers membership plans to potential clients through its own distribution channel or a network of accredited insurance brokers. It serves, monitors, and reviews client portfolios. The company was formerly known as Qualicorp S.A. and changed its name to Qualicorp Consultoria e Corretora de Seguros S.A. in June 2018. It was founded in 1997 and is headquartered in São Paulo, Brazil.

Company Details

  • SectorHealthcare
  • IndustryHealthcare Plans
  • CEOMr. Eder da Silva Grande
  • Employees1.21K
  • HeadquartersAvenida Paulist, São Paulo, SP, Brazil, Brazil
  • Websitehttps://www.qualicorp.com.br

Leadership

  • Mr. Eder da Silva GrandeChief Financial & Investor Relations Officer and Member of Statutory Executive Board
  • Ms. Rosangela Martins de SouzaCorporate Director of Operations, Administrative, Human Resources, Audit & Compliance
  • Mr. Eduardo Ribeiro Farias de OliveiraMember of Statutory Executive Board
  • Mr. Diego CancadoMember of Statutory Executive Board
  • Mr. Flavio Mergener SallesMember of the Statutory Executive Board
  • Mr. Pedro Henrique Rocha NocettiIR Manager

Financials

Income Statement

Currency: BRL2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue227.62M309.01M178.10M676.06M920.67M1.20B1.49B1.73B1.96B2.08B1.93B2.00B2.03B2.10B1.95B1.75B1.58B1.43B
Growth (%)-+35.76%-42.37%+279.60%+36.18%+30.29%+24.47%+15.88%+13.54%+5.64%-6.90%+3.58%+1.23%+3.48%-6.92%-10.33%-9.68%-9.72%
Cost of Revenue46.14M76.33M45.19M180.23M246.44M304.51M380.01M455.80M502.64M497.38M368.62M379.48M362.18M425.87M444.22M368.96M266.32M483.92M
Gross Profit181.48M232.68M132.91M495.83M674.24M895.02M1.11B1.27B1.46B1.58B1.56B1.62B1.66B1.67B1.51B1.38B1.31B942.92M
Gross Margin79.73%75.30%74.63%73.34%73.23%74.61%74.55%73.66%74.41%76.03%80.92%81.04%82.12%79.69%77.24%78.92%83.15%66.08%
Operating Expense134.83M180.18M128.44M484.50M595.06M663.66M701.10M852.41M968.14M969.43M907.35M1.02B886.23M919.88M995.63M1.08B1.13B472.91M
Operating Income46.65M52.51M4.47M11.33M79.18M231.36M411.91M421.95M493.62M608.48M656.15M604.57M777.54M750.80M511.56M299.94M185.35M470.01M
Operating Margin20.49%16.99%2.51%1.68%8.60%19.29%27.59%24.39%25.13%29.32%33.96%30.21%38.38%35.81%26.22%17.14%11.73%32.94%
EBITDA49.00M56.38M49.36M184.01M262.47M182.86M533.56M703.85M771.44M886.82M1.00B986.66M976.71M997.02M826.48M691.82M661.53M770.34M
EBITDA Margin21.53%18.24%27.71%27.22%28.51%15.24%35.74%40.68%39.27%42.73%51.96%49.30%48.21%47.56%42.35%39.53%41.86%53.99%
Net Income26.68M39.97M-17.36M-33.90M22.28M-31.72M122.44M227.13M404.73M370.71M397.04M372.18M392.10M365.81M92.82M-82.44M6.58M-2.53M
Net Income Margin11.72%12.93%-9.75%-5.01%2.42%-2.64%8.20%13.13%20.60%17.86%20.55%18.60%19.35%17.45%4.76%-4.71%0.42%-0.18%
Interest Expense--19.58M64.61M35.33M26.86M41.56M77.80M83.78M67.84M91.08M68.39M65.11M92.65M264.33M328.13M280.04M279.33M
Interest Expense % of Total Revenue--10.99%9.56%3.84%2.24%2.78%4.50%4.26%3.27%4.71%3.42%3.21%4.42%13.55%18.75%17.72%19.58%

Balance Sheet

Currency: BRL2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets44.59M162.21M288.37M2.45B2.86B3.10B3.28B3.79B3.43B3.59B3.53B3.55B3.36B4.41B4.40B4.51B4.51B4.37B3.94B
Total Liabilities48.97M74.85M154.67M841.28M917.19M1.10B1.23B1.43B1.44B1.52B1.16B1.19B1.95B2.72B3.13B3.16B3.22B3.06B2.63B
Total Equity-4.37M87.36M133.70M1.61B1.94B2.00B2.01B2.35B1.99B2.06B2.37B2.35B1.41B1.68B1.27B1.35B1.27B1.28B1.29B
Cash27.01M128.18M68.97M139.09M369.67M123.96M327.37M538.55M285.79M125.36M146.73M137.45M201.05M418.77M449.46M377.13M394.59M322.31M222.67M
Total Debt---437.70M371.20M305.17M225.34M551.09M547.66M617.50M613.79M615.73M1.43B1.35B2.23B2.26B2.24B1.88B1.74B
Net Debt-27.01M-128.18M-68.97M298.61M1.53M181.21M-102.03M12.54M261.87M492.14M467.06M478.28M1.23B932.24M1.78B1.88B1.84B1.56B1.52B

Cash Flow

Currency: BRL2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow45.44M72.54M41.09M138.40M217.49M390.42M444.42M570.18M621.29M534.65M779.31M870.99M851.27M807.93M564.04M498.06M377.94M286.48M
Investing Cash Flow-10.79M-131.75M-1.31B-210.54M-415.67M-141.81M-575.32M-274.57M-461.11M-433.59M-332.88M-131.41M-564.27M-807.51M-535.66M-437.22M-78.17M-233.98M
Financing Cash Flow71.53M-1.41B302.71M-47.54M-54.75M342.08M-560.39M-320.62M-79.69M-455.72M-675.98M-69.28M30.27M-100.71M-43.38M-372.04M-152.14M
Capital Expenditure11.60M19.79M1.18M181.92M132.92M132.26M156.30M139.59M135.59M115.04M406.05M192.25M312.74M598.31M432.28M249.11M169.51M2.27M
Free Cash Flow33.84M52.75M-1.26B-43.51M84.58M258.16M288.12M430.59M485.70M419.60M373.26M678.74M538.52M209.62M131.76M248.95M208.42M284.21M
Dividends Paid-----116.32M128.34M116.32M462.94M237.32M354.87M366.58M51.64M619.01M70.95M22.04M01.55M
FCF to OCF74.48%72.72%-3065.24%-31.44%38.89%66.12%64.83%75.52%78.18%78.48%47.90%77.93%63.26%25.95%23.36%49.98%55.15%99.21%
Dividend Paid to FCF-----45.06%44.54%27.01%95.31%56.56%95.07%54.01%9.59%295.30%53.84%8.85%0.00%0.55%

Earnings

Report DateAug 12, 2011Nov 11, 2011Feb 29, 2012May 15, 2012Aug 13, 2012Nov 13, 2012Feb 27, 2013May 15, 2013Aug 12, 2013Nov 13, 2013Mar 17, 2014May 13, 2014Aug 14, 2014Nov 13, 2014Mar 16, 2015May 14, 2015Aug 13, 2015Nov 12, 2015Mar 30, 2016May 11, 2016Aug 1, 2016Nov 7, 2016Mar 20, 2017May 11, 2017Aug 14, 2017Nov 7, 2017Mar 15, 2018May 10, 2018Aug 13, 2018Nov 8, 2018Mar 18, 2019May 9, 2019Aug 12, 2019Nov 13, 2019Mar 12, 2020May 7, 2020Aug 26, 2020Nov 15, 2020May 12, 2021Aug 10, 2021Nov 11, 2021Mar 28, 2022May 9, 2022Aug 15, 2022Nov 7, 2022Mar 28, 2023Apr 11, 2023Aug 13, 2023Nov 8, 2023Dec 31, 2023May 7, 2024Aug 6, 2024Nov 7, 2024Feb 25, 2025May 14, 2025Aug 13, 2025Nov 13, 2025Feb 26, 2026May 13, 2026Aug 12, 2026Nov 11, 2026
EPS Estimate0.100.10-0.260.190.14-0.180.160.200.130.100.240.22-0.260.250.330.240.340.320.380.330.340.450.540.440.450.410.440.47-0.420.47-0.500.400.430.470.390.300.280.300.270.160.140.130.060.090.100.070.110.08-0.010.080.080.120.110.050.060.09
EPS Actual0.080.160.040.050.240.11-0.050.060.140.200.350.210.140.180.050.140.230.210.200.210.210.260.240.360.310.380.340.370.330.380.370.340.400.440.240.300.380.450.420.340.400.280.270.190.180.080.080.050.05-0.210.070.110.060.060.050.060.07-0.040.040.06-
Surprise-20.00%60.00%--80.77%26.32%-21.43%--66.67%-12.50%0.00%169.23%110.00%-41.67%-18.18%--46.15%-8.00%-36.36%-16.67%-38.24%-34.38%-31.58%-27.27%7.35%-31.11%-29.63%-22.73%-17.78%-19.51%-13.64%-21.28%--4.76%-6.38%--40.00%-5.00%4.65%-10.64%-12.82%33.33%0.00%-10.00%-29.63%12.50%-42.86%-38.46%-16.67%-44.44%-309.60%0.00%0.00%-25.00%700.00%-37.50%-25.00%-41.67%-136.36%-20.00%0.00%-
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Key Statistics & Ratios

Market Cap478.05M
Enterprise Value1.27B
Trailing P/E24.14
Forward P/E6.11
PEG Ratio0.60
Price / Sales0.35
Price / Book0.36
EPS0.07
Book Value4.73
Revenue (TTM)1.37B
Gross Profit (TTM)1.20B
EBITDA324.46M
Profit Margin1.90%
Operating Margin26.41%
Return on Equity2.10%
Return on Assets5.33%
Shares Outstanding282.87M
Shares Float148.36M
Beta0.49
Dividend Yield0.55%
Dividend Rate0.01
Payout Ratio13.85%

Dividends

20261×
0.02Jun 29, 2026
20251×
0.01Jun 27, 2025
20231×
0.08May 12, 2023
20221×
0.26May 5, 2022
20212×
0.06Jul 13, 20212.01May 7, 2021
20203×
0.12Dec 30, 20200.17Oct 13, 20200.00Apr 30, 2020
20193×
3.49Oct 18, 20190.65Jul 24, 20190.66Apr 29, 2019
20182×
0.36Jun 6, 20180.36Apr 27, 2018
20173×
0.53Dec 21, 20170.35Sep 8, 20170.49Apr 28, 2017
20162×
0.90Nov 11, 20160.80Apr 29, 2016
20152×
1.47Oct 20, 20150.42Apr 30, 2015