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

Brazil · Delayed Price · Currency is BRL

2.030

+0.160 (8.56%)

Oct 7, 2026, 5:05 PM GMT-3

BVMF:QUAL3 Financials Overview

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

Millions BRL. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,371	1,427	1,542	1,750	1,951	2,097
Revenue Growth	-6.50%	-7.46%	-11.88%	-10.33%	-6.92%	3.48%
Gross Profit	1,202	1,243	1,288	1,381	1,507	1,671
Operating Income	308.13	279.98	198.04	118	367.18	639.43
Net Income	26.08	10.67	6.58	-82.44	92.82	365.81
Earnings Per Share	0.09	0.04	0.02	-0.30	0.33	1.32
EPS Growth	202.03%	61.72%	-	-	-74.69%	-4.61%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Adhesion	1,314	1,358	1,451
Other	56.92	68.53	90.44
Total	1,371	1,427	1,542

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	414.32	889.61	892.95	986.77	710.27	752.54
Total Debt	1,211	1,762	1,882	2,237	2,258	2,226
Net Cash (Debt)	-796.21	-872.71	-988.91	-1,250	-1,547	-1,474
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-2.80	-3.07	-3.50	-4.48	-5.55	-5.30

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	280.16	286.48	377.94	498.06	535.14	807.93
Capital Expenditures	-1.51	-2.27	-7.57	-4.38	-13.19	-22.44
Free Cash Flow	278.65	284.21	370.37	493.68	521.95	785.49
Free Cash Flow Growth	0.54%	-23.26%	-24.98%	-5.42%	-33.55%	-7.08%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	87.65%	87.13%	83.51%	78.92%	77.24%	79.69%
Operating Margin	22.48%	19.62%	12.84%	6.74%	18.82%	30.50%
Pretax Margin	10.24%	7.47%	0.78%	-6.38%	7.52%	26.44%
Profit Margin	1.90%	0.75%	0.43%	-4.71%	4.76%	17.45%
FCF Margin	20.33%	19.92%	24.02%	28.21%	26.75%	37.47%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 8, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.006	-	-	0.079	0.079	0.318
Dividend Per Share Growth	62.39%	-	-	-0.12%	-75.08%	-
Dividend Yield	0.27%	-	-	2.34%	1.38%	1.97%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 8, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	29.44	60.53	64.95	-	17.60	12.83
Forward PE	4.76	7.47	4.11	7.29	8.52	11.91
P/FCF Ratio	2.05	2.27	1.15	1.92	3.13	5.97
PS Ratio	0.42	0.45	0.28	0.54	0.84	2.24