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BB Seguridade Participações S.A. (BBSE3.SA)

BRL40.46 +0.18 (+0.45%)
BR SAO Financial Services Insurance - Diversified
Address Banco do Brasil Building, Asa Norte
Brasília, DF, BR
CEO Delano Valentim de Andrade
Website bbseguridaderi.com.br
IPO 2013-04-29
ISIN BRBBSEACNOR5

Explore sections of this company profile

Also trades on B3 S.A. · BBSE3.SA (BRL) Other OTC · BBSEY (USD)
Description

Operating within Brazil, BB Seguridade Participações S.A., through its various subsidiaries, strategically allocates capital across the insurance landscape, spanning pension schemes, premium bonds, reinsurance services, and dental coverage. Its business model is distinctly structured into two main divisions: Insurance and Brokerage. Under the Insurance segment, the company provides a wide array of protection policies, such as life, property, automotive, rural, specialized risk, financial, transportation, marine hull, and residential insurance. This division further extends to include retirement savings plans, dental health plans, capitalization products, and reinsurance. Conversely, the Brokerage segment focuses on the intermediary role, handling the management, promotion, and facilitation of policies across casualty, life, capitalization, pension, dental, and health insurance categories. Founded in 2012 and headquartered in Brasilia, Brazil, BB Seguridade Participações S.A. operates as a direct subsidiary of Banco do Brasil S.A.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
BRL40.46 +0.18 (+0.45%)
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Volume Profile
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Liquidity & share structure
Average Volume
7M
Beta
0.11
Float Shares
616.23M
Free Float %
31.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.64% -1.69% -5.80% -9.16% +3.03% -4.03% -9.57% -0.92% +41.21% -10.98% +26.71%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
40.46
DCF (Unlevered) 110.81 +173.9%
DCF (Levered) 70.58 +74.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 8% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 8 -1
Sell 1 0
Strong Sell 2 0
Quality scores
Altman Z-Score
8.13
Safe zone
Piotroski F-Score
4 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✗
    Revenue growth Insurance - Diversified: +15.2%
    -41.5% Q1'26: +25.9% (vs Q1'25)
  • ✓
    EPS growth Insurance - Diversified: +25.3%
    +3.8% Q1'26: +8.9% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Insurance - Diversified: +30.2%
    +154.5% Q1'26: +101.9% (vs Q1'25)
  • ✓
    EBIT margin Insurance - Diversified: +13.5%
    +183.6% ★ Q1'26: +167.0% (vs Q1'25)
  • ✓
    ROIC Insurance - Diversified: +4.2%
    +714.3% ★ Q1'26: +135.9% (vs Q1'25)
  • ✓
    Share dilution Insurance - Diversified: +0.0%
    -0.6% ★ Q1'26: +0.0% (vs Q1'25)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    0.00× ★ Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.12) × ERP
WACC = 100% × Ke + 0% × Kd (4.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 114.09 Current price: 40.46
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
3 Rev. Ana.
3 EPS Ana. 		Dec 2027
7 Rev. Ana.
8 EPS Ana. 		Dec 2028
3 Rev. Ana.
3 EPS Ana. 		Dec 2029
2 Rev. Ana.
1 EPS Ana.
Revenue
2.80B
est: 5.17B (-45.8%)
3.06B
est: 5.35B (-42.9%)
3.06B
est: 5.17B (-40.9%)
2.85B
est: 4.82B (-40.9%)
5.39B
est: 5.56B (-3.0%)
5.13B
est: 5.99B (-14.3%)
5.33B
est: 5.97B (-10.8%)
7.66B
est: 7.81B (-2.0%)
9.31B
est: 9.83B (-5.3%)
10.18B
est: 9.37B (+8.6%)
5.96B
est: 10.17B (-41.4%)
9.75B
9.69B – 9.81B
-4.1% YoY
10.01B
8.66B – 11.51B
+2.7% YoY
9.82B
9.12B – 10.58B
-2.0% YoY
13.11B
12.18B – 14.13B
+33.5% YoY
EBITDA
—
est: 4.89B (-100.0%)
4.83B
est: 5.06B (-4.7%)
4.98B
est: 4.89B (+1.8%)
4.65B
est: 4.56B (+2.0%)
5.09B
est: 5.26B (-3.1%)
4.81B
est: 5.66B (-15.1%)
4.96B
est: 5.65B (-12.2%)
7.22B
est: 7.39B (-2.3%)
8.92B
est: 9.43B (-5.3%)
9.78B
est: 8.98B (+8.9%)
10.94B
est: 9.75B (+12.2%)
9.35B
9.29B – 9.40B
-4.1% YoY
9.60B
8.31B – 11.03B
+2.7% YoY
9.41B
8.75B – 10.14B
-2.0% YoY
12.56B
11.68B – 13.54B
+33.5% YoY
EBIT
—
est: 4.89B (-100.0%)
4.83B
est: 5.06B (-4.7%)
4.98B
est: 4.89B (+1.8%)
4.65B
est: 4.56B (+2.0%)
5.09B
est: 5.26B (-3.1%)
4.81B
est: 5.66B (-15.1%)
4.96B
est: 5.65B (-12.2%)
7.22B
est: 7.39B (-2.3%)
8.92B
est: 9.42B (-5.3%)
9.78B
est: 8.98B (+8.9%)
10.94B
est: 9.75B (+12.2%)
9.35B
9.29B – 9.40B
-4.1% YoY
9.60B
8.30B – 11.03B
+2.7% YoY
9.41B
8.74B – 10.14B
-2.0% YoY
12.56B
11.67B – 13.54B
+33.5% YoY
Net Income
4.21B
est: 3.88B (+8.4%)
4.01B
est: 4.01B (+0.0%)
4.05B
est: 3.93B (+2.9%)
3.54B
est: 3.60B (-1.6%)
6.66B
est: 4.11B (+61.9%)
3.85B
est: 3.84B (+0.2%)
3.93B
est: 3.71B (+5.9%)
6.20B
est: 5.84B (+6.0%)
7.95B
est: 8.39B (-5.3%)
8.70B
est: 8.01B (+8.7%)
9.02B
est: 9.19B (-1.9%)
8.44B
8.35B – 8.52B
-8.2% YoY
8.62B
8.14B – 8.92B
+2.2% YoY
8.98B
8.97B – 9.00B
+4.2% YoY
9.38B
8.51B – 10.32B
+4.4% YoY
SGA
235.84M
est: 102.32M (+130.5%)
81.87M
est: 105.98M (-22.8%)
60.87M
est: 102.36M (-40.5%)
94.73M
est: 95.50M (-0.8%)
99.78M
est: 110.04M (-9.3%)
133.32M
est: 118.56M (+12.4%)
101.38M
est: 118.26M (-14.3%)
124.50M
est: 154.75M (-19.5%)
173.08M
est: 143.65M (+20.5%)
195.17M
est: 136.89M (+42.6%)
—
est: 148.57M (-100.0%)
142.48M
141.58M – 143.26M
-4.1% YoY
146.29M
126.58M – 168.17M
+2.7% YoY
143.41M
133.28M – 154.56M
-2.0% YoY
191.48M
177.95M – 206.36M
+33.5% YoY
EPS
2.10
est: 1.99 (+5.7%)
2.01
est: 2.05 (-2.1%)
2.03
est: 2.01 (+0.8%)
1.77
est: 1.84 (-3.9%)
3.34
est: 2.10 (+58.7%)
1.93
est: 1.97 (-1.9%)
1.97
est: 1.90 (+3.6%)
3.10
est: 2.97 (+4.3%)
3.99
est: 4.24 (-5.9%)
4.48
est: 4.11 (+9.1%)
4.65
est: 4.59 (+1.2%)
4.34
4.30 – 4.39
-5.6% YoY
4.41
4.19 – 4.60
+1.7% YoY
4.63
4.62 – 4.64
+5.0% YoY
4.83
4.39 – 5.32
+4.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-06 A- 4/5 4/5 5/5 5/5 1/5 4/5 1/5
2026-05-05 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-05-04 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-30 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-29 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-28 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-27 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-24 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-23 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-22 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-20 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-17 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-16 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5
2026-04-15 A- 4/5 5/5 5/5 5/5 1/5 4/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.74B
OE per share TTM
2.95
Owner's Yield
8.49%
Maintenance CapEx ratio
0.00%
Maint CapEx / Avg PPE
0.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
49.29M
Shares Outstanding
1.94B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Allan Trancoso Ferraz Silva Chief of Commercial, Marketing & Customer Director and Member of Executive Board — male
Bruno Alves do Nascimento Chief of Strategy & Technology and Member of Executive Board — male
Delano Valentim de Andrade Chief Executive Officer, Member of the Executive Board & Director — male
Rafael Augusto Sperendio Chief Financial Officer, Investor Relations Officer & Member of the Executive Board — male
Ricardo Winchelo Vieira Branco Audit Superintendent — —
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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