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Porto Seguro S.A. (PSSA3.SA)
São Paulo, SP, BR
Porto Seguro S.A., together with its subsidiaries, offers a comprehensive range of insurance products and services for both individual and corporate clients in Brazil and Uruguay. The company's operations are divided into several key segments: Auto Insurance, Health Plans and Insurance, Personal Insurance and Supplementary Pension, Insurance - Other Lines, Financial Entities and Consortia, and various other divisions. It provides a broad spectrum of insurance coverage, including automotive, health, and dental policies. Its offerings also extend to various property and casualty insurance types, covering households, businesses, condominiums, construction projects, farms, liability, equipment, transportation, contractual obligation guarantees, and rental surety. Furthermore, the company delivers life insurance, reinsurance, and supplemental pension plans. Beyond its core insurance business, Porto Seguro engages in financial services, managing savings bonds and consortiums for the acquisition of assets, alongside securities portfolios, investment funds, and other third-party funds. It also grants consumer and working capital loans, operates private health care plans, issues credit cards, and distributes investment fund shares. Diversifying further, the company provides protection and electronic monitoring services, technical insurance brokerage, telemarketing and call center operations, telecommunication services, and the trade and distribution of auto parts. Additionally, its services encompass occupational health, outpatient medical care, administrative advisory for physicians and healthcare providers, and workplace safety and ergonomics consulting. Established in 1945, Porto Seguro S.A. is headquartered in São Paulo, Brazil, and functions as a subsidiary of Porto Seguro Itau-unibanco Participações S.A.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +2.37% | +2.84% | -3.27% | -2.54% | +3.21% | +6.98% | +13.59% | +137.39% | +131.31% | +530.23% | +23,157.60% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 2 | 0 |
| Hold | 7 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Diversified: +15.2%+30.8% ★ Q1'26: +9.5% (vs Q1'25)
-
EPS growth Insurance - Diversified: +25.3%+27.7% ★ Q1'26: +38.3% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+6.1% Q1'26: -2.8% (vs Q1'25)
-
EBIT margin Insurance - Diversified: +13.5%+11.0% Q1'26: +12.0% (vs Q1'25)
-
ROIC Insurance - Diversified: +4.2%+23.6% ★ Q1'26: +31.8% (vs Q1'25)
-
Share dilution Insurance - Diversified: +0.0%+0.0% Q1'26: -0.3% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×0.14× ★ Q1'26: 0.14× (vs Q1'25)
* 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.
| 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 4 Rev. Ana. 1 EPS Ana. |
Dec 2027 4 Rev. Ana. 8 EPS Ana. |
Dec 2028 3 Rev. Ana. 5 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
16.41B
est: 13.33B (+23.1%)
|
17.33B
est: 14.07B (+23.2%)
|
18.73B
est: 14.15B (+32.4%)
|
17.85B
est: 14.70B (+21.4%)
|
19.21B
est: 14.86B (+29.3%)
|
19.78B
est: 15.23B (+29.9%)
|
22.25B
est: 16.14B (+37.9%)
|
24.44B
est: 23.21B (+5.3%)
|
33.84B
est: 36.77B (-8.0%)
|
32.69B
est: 32.32B (+1.1%)
|
42.75B
est: 37.08B (+15.3%)
|
40.49B
36.86B – 50.42B
+9.2% YoY
|
43.80B
39.99B – 54.86B
+8.2% YoY
|
46.45B
44.56B – 48.33B
+6.1% YoY
|
40.54B
36.96B – 50.63B
-12.7% YoY
|
| EBITDA |
1.64B
est: 1.55B (+5.4%)
|
1.59B
est: 1.64B (-3.0%)
|
2.42B
est: 1.65B (+47.0%)
|
2.99B
est: 1.71B (+75.0%)
|
2.28B
est: 1.73B (+31.9%)
|
2.96B
est: 1.77B (+66.7%)
|
2.04B
est: 1.88B (+8.6%)
|
1.94B
est: 2.70B (-28.2%)
|
4.24B
est: 4.06B (+4.5%)
|
4.45B
est: 3.57B (+24.6%)
|
5.11B
est: 4.09B (+24.9%)
|
4.47B
4.07B – 5.57B
+9.2% YoY
|
4.84B
4.42B – 6.06B
+8.2% YoY
|
5.13B
4.92B – 5.34B
+6.1% YoY
|
4.48B
4.08B – 5.59B
-12.7% YoY
|
| EBIT |
1.44B
est: 1.40B (+3.0%)
|
1.38B
est: 1.48B (-6.4%)
|
2.19B
est: 1.48B (+47.9%)
|
2.74B
est: 1.54B (+77.8%)
|
2.04B
est: 1.56B (+31.2%)
|
2.73B
est: 1.60B (+70.7%)
|
1.81B
est: 1.69B (+6.9%)
|
1.66B
est: 2.43B (-32.0%)
|
3.86B
est: 3.65B (+5.8%)
|
4.03B
est: 3.21B (+25.7%)
|
4.69B
est: 3.68B (+27.4%)
|
4.02B
3.66B – 5.00B
+9.2% YoY
|
4.35B
3.97B – 5.44B
+8.2% YoY
|
4.61B
4.42B – 4.80B
+6.1% YoY
|
4.02B
3.67B – 5.03B
-12.7% YoY
|
| Net Income |
1.00B
est: 1.05B (-4.8%)
|
915.60M
est: 943.60M (-3.0%)
|
1.10B
est: 1.08B (+2.1%)
|
1.31B
est: 1.30B (+0.8%)
|
1.38B
est: 1.41B (-2.3%)
|
1.69B
est: 1.63B (+3.4%)
|
1.54B
est: 1.30B (+18.6%)
|
1.14B
est: 952.71M (+19.7%)
|
2.27B
est: 2.48B (-8.7%)
|
2.64B
est: 3.12B (-15.2%)
|
3.38B
est: 3.68B (-8.2%)
|
3.65B
3.64B – 3.68B
-0.9% YoY
|
3.97B
3.77B – 4.23B
+8.6% YoY
|
4.30B
4.17B – 4.54B
+8.3% YoY
|
4.72B
4.18B – 6.24B
+9.8% YoY
|
| SGA |
1.20B
est: 866.82M (+38.9%)
|
1.17B
est: 915.02M (+28.3%)
|
2.75B
est: 920.05M (+198.8%)
|
2.78B
est: 955.69M (+190.7%)
|
1.25B
est: 966.24M (+29.5%)
|
1.28B
est: 990.54M (+29.7%)
|
1.41B
est: 1.05B (+34.1%)
|
1.65B
est: 1.51B (+9.1%)
|
2.02B
est: 2.38B (-15.0%)
|
2.28B
est: 2.09B (+9.0%)
|
2.72B
est: 2.40B (+13.2%)
|
2.62B
2.39B – 3.26B
+9.2% YoY
|
2.84B
2.59B – 3.55B
+8.2% YoY
|
3.01B
2.89B – 3.13B
+6.1% YoY
|
2.62B
2.39B – 3.28B
-12.7% YoY
|
| EPS |
1.54
est: 1.62 (-5.1%)
|
1.41
est: 1.45 (-3.1%)
|
1.70
est: 1.66 (+2.3%)
|
2.03
est: 2.00 (+1.3%)
|
2.13
est: 2.18 (-2.2%)
|
2.62
est: 2.52 (+4.1%)
|
2.40
est: 2.01 (+19.5%)
|
1.77
est: 1.45 (+22.2%)
|
3.50
est: 3.83 (-8.7%)
|
4.08
est: 4.19 (-2.7%)
|
5.21
est: 5.13 (+1.6%)
|
5.65
5.62 – 5.68
+10.1% YoY
|
6.22
5.82 – 6.51
+10.1% YoY
|
6.69
6.43 – 6.99
+7.6% YoY
|
7.27
6.44 – 9.62
+8.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Franklin FTSE Brazil UCITS ETF FLXB.L | 0.43% | 677.8K | 0.19% |
| 2 | iShares MSCI Brazil UCITS ETF USD (Dist) IDBZ.L | 0.43% | 2.16M | 0.74% |
| 3 | Xtrackers MSCI Brazil UCITS ETF 1C XMBD.L | 0.42% | 1.11M | 0.25% |
| 4 | Franklin FTSE Brazil ETF FLBR | 0.42% | 2.28M | 0.19% |
| 5 | iShares MSCI Brazil UCITS ETF (DE) 4BRZ.DE | 0.42% | 19.84M | 0.27% |
| 6 | iShares MSCI Brazil ETF EWZ | 0.41% | 37.84M | 0.59% |
| 7 | JPMorgan Active Developing Markets Equity ETF JADE | 0.26% | 80.2K | 0.65% |
| 8 | JPMorgan Diversified Return Emerging Markets Equity ETF JPEM | 0.25% | 974.1K | 0.44% |
| 9 | Franklin FTSE Latin America ETF FLLA | 0.25% | 267.1K | 0.19% |
| 10 | iShares MSCI EM Latin America UCITS ETF DLTM.L | 0.21% | 4.26M | 0.20% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Celso Damadi | Deputy CEO of Finance, Controllership & Investments and Member of Executive Board | — | male |
| Domingos de Toledo Piza Falavina | Investor Relations Director, Chief Investor Relations Officer & Member of Executive Board | — | — |
| Lene Araújo De Lima | Deputy CEO of Services & Member of Executive Board | — | male |
| Luiz Augusto Arruda | Deputy CEO of Commercial & Marketing and Member of Executive Board | — | male |
| Marco Antonio Vettori | Vice President of Development | — | male |
| Marcos Roberto Loucao | Deputy CEO of Financial Business & Member of Executive Board | — | male |
| Marcos Rogerio Sirelli | Vice-President of Technology, Data & Customer Service and Member of Executive Board | — | male |
| Patricia Chacon Jimenez | Executive VP of Insurance & Member of Executive Board | — | female |
| Patricia Quirico Coimbra | Executive Director of People & Culture and Member of Executive Board | — | female |
| Paulo Sérgio Kakinoff | CEO & Member of Executive Board | — | male |
| Roberto de Souza Santos | Member of Executive Board & Director | — | male |
| Sami Foguel | Deputy CEO of Health & Member of Executive Board | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PSSA3.SA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
