Qualicorp Consultoria e Corretora de Seguros S.A. (BVMF:QUAL3)

BVMF:QUAL3 Financials Overview

Financials in millions BRL. Fiscal year is January - December.

Revenue & Profits

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	1,399	1,427	1,542	1,750	1,951	2,097
Revenue Growth	-6.75%	-7.46%	-11.88%	-10.33%	-6.92%	3.48%
Gross Profit Gross Profit Growth	1,224	1,243	1,288	1,381	1,507	1,671
Operating Income Operating Income Growth	314.21	279.98	198.04	118	367.18	639.43
Net Income Net Income Growth	15.23	10.67	6.58	-82.44	92.82	365.81
Earnings Per Share EPS Growth	0.05	0.04	0.02	-0.30	0.33	1.32
EPS Growth	301.86%	61.72%	-	-	-74.69%	-4.61%

Revenue by Segment

Chart

Fiscal Year	TTM	FY 2025	FY 2024
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024
Other Other Growth	60.48	68.53	90.44
Affinities Affinities Growth	1,339	1,358	1,451
Total Total Growth	1,399	1,427	1,542

Cash & Debt

Chart

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	985.34	889.61	892.95	986.77	710.27	752.54
Total Debt Total Debt Growth	1,781	1,762	1,882	2,237	2,258	2,226
Net Cash (Debt) Net Cash Growth	-795.8	-872.71	-988.91	-1,250	-1,547	-1,474
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-2.79	-3.07	-3.50	-4.48	-5.55	-5.30

Cash Flow & CapEx

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	239.49	286.48	377.94	498.06	535.14	807.93
Capital Expenditures CapEx Growth	-0.54	-2.27	-7.57	-4.38	-13.19	-22.44
Free Cash Flow Free Cash Flow Growth	238.94	284.21	370.37	493.68	521.95	785.49
Free Cash Flow Growth	-37.34%	-23.26%	-24.98%	-5.42%	-33.55%	-7.08%

Margins

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Gross Margin	87.47%	87.13%	83.51%	78.92%	77.24%	79.69%
Operating Margin	22.46%	19.62%	12.84%	6.74%	18.82%	30.50%
Pretax Margin	8.60%	7.47%	0.78%	-6.38%	7.52%	26.44%
Profit Margin	1.09%	0.75%	0.43%	-4.71%	4.76%	17.45%
FCF Margin	17.08%	19.92%	24.02%	28.21%	26.75%	37.47%

Dividends

Chart

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 6, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.006	-	-	0.079	0.079	0.318
Dividend Per Share Growth	63.29%	-	-	-0.12%	-75.08%	-
Dividend Yield	0.35%	-	-	2.34%	1.38%	1.97%

Valuation

Chart

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 6, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	103.84	60.53	64.95	-	17.60	12.83
Forward PE	4.09	7.47	4.11	7.29	8.52	11.91
P/FCF Ratio	1.86	2.27	1.15	1.92	3.13	5.97
PS Ratio	0.32	0.45	0.28	0.54	0.84	2.24

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 3, 2026

Data Sources Report a data error