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Qualicorp Consultoria e Corretora de Seguros S.A. (QUAL3.SA)
BRL1.69
+0.01 (+0.60%)
BR SAO Healthcare Medical - Healthcare Plans
Address
Rua Doutor PlInio Barreto, 365 01313-020
São Paulo, SP, BR
São Paulo, SP, BR
CEO
Mauricio da Silva Lopes
Website
qualicorp.com.br
IPO
2011-06-29
ISIN BRQUALACNOR6
Description
Qualicorp Consultoria e Corretora de Seguros S.A., a Brazilian entity, is engaged in the trading and administration of healthcare benefits, alongside providing health management solutions. This company, which changed its name from Qualicorp S.A. in June 2018, was established in 1997 and maintains its principal office in São Paulo, Brazil.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
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
BRL1.69
+0.01 (+0.60%)
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Volume Profile
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Liquidity & share structure
Average Volume
4M
Beta
0.46
Float Shares
149.48M
Free Float %
52.8%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.70% | -3.74% | -10.89% | -30.50% | -20.00% | -22.08% | -20.70% | -60.87% | -93.25% | -88.21% | -88.04% |
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
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1.69
DCF (Unlevered)
3.73
+120.9%
DCF (Levered)
0.26
-84.8%
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)
22% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 5 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 2 | 0 |
Quality scores
Altman Z-Score
0.87
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
5 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Medical - Healthcare Plans: +11.8%-9.7% Q1'26: -9.9% (vs Q1'25)
-
EPS growth Medical - Healthcare Plans: -1.4%-138.2% Q1'26: +32.0% (vs Q1'25)
-
FCF margin FCF growth · Medical - Healthcare Plans: +15.1%+19.2% ★ Q1'26: +43.6% (vs Q1'25)
-
EBIT margin Medical - Healthcare Plans: +3.3%+32.9% ★ Q1'26: +38.0% (vs Q1'25)
-
ROIC Medical - Healthcare Plans: +6.7%+13.1% ★ Q1'26: +16.8% (vs Q1'25)
-
Share dilution Medical - Healthcare Plans: +2.1%+0.7% Q1'26: +0.4% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Medical - Healthcare Plans: 0.93×2.26× Q1'26: 2.28× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
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.
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. 4 EPS Ana. |
Dec 2027 9 Rev. Ana. 4 EPS Ana. |
Dec 2028 5 Rev. Ana. 2 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.73B
est: 1.72B (+0.5%)
|
1.96B
est: 1.96B (+0.3%)
|
2.08B
est: 2.12B (-2.1%)
|
1.93B
est: 1.93B (+0.0%)
|
2.00B
est: 1.99B (+0.7%)
|
2.03B
est: 2.02B (+0.1%)
|
2.10B
est: 2.13B (-1.4%)
|
1.95B
est: 2.01B (-2.8%)
|
1.75B
est: 1.66B (+5.4%)
|
1.58B
est: 1.58B (+0.2%)
|
1.43B
est: 1.45B (-1.7%)
|
1.36B
1.35B – 1.36B
-6.5% YoY
|
1.37B
1.29B – 1.45B
+0.9% YoY
|
1.41B
1.40B – 1.43B
+3.0% YoY
|
1.41B
1.36B – 1.45B
-0.2% YoY
|
| EBITDA |
703.85M
est: 756.02M (-6.9%)
|
771.44M
est: 860.00M (-10.3%)
|
886.82M
est: 930.98M (-4.7%)
|
1.00B
est: 848.07M (+18.4%)
|
986.66M
est: 872.92M (+13.0%)
|
976.71M
est: 888.13M (+10.0%)
|
997.02M
est: 933.45M (+6.8%)
|
826.48M
est: 880.97M (-6.2%)
|
691.82M
est: 747.97M (-7.5%)
|
661.53M
est: 710.88M (-6.9%)
|
770.34M
est: 654.34M (+17.7%)
|
612.13M
610.06M – 613.23M
-6.5% YoY
|
617.92M
580.24M – 654.56M
+0.9% YoY
|
636.38M
630.60M – 642.15M
+3.0% YoY
|
635.31M
614.68M – 654.92M
-0.2% YoY
|
| EBIT |
477.05M
est: 379.95M (+25.6%)
|
544.22M
est: 432.21M (+25.9%)
|
658.45M
est: 467.88M (+40.7%)
|
702.00M
est: 426.21M (+64.7%)
|
605.92M
est: 438.70M (+38.1%)
|
607.93M
est: 446.35M (+36.2%)
|
634.18M
est: 469.12M (+35.2%)
|
411.06M
est: 442.75M (-7.2%)
|
216.50M
est: 375.79M (-42.4%)
|
261.75M
est: 357.16M (-26.7%)
|
470.02M
est: 328.75M (+43.0%)
|
307.54M
306.50M – 308.10M
-6.5% YoY
|
310.45M
291.52M – 328.86M
+0.9% YoY
|
319.72M
316.82M – 322.62M
+3.0% YoY
|
319.19M
308.82M – 329.04M
-0.2% YoY
|
| Net Income |
227.13M
est: 254.37M (-10.7%)
|
404.73M
est: 386.85M (+4.6%)
|
370.71M
est: 434.62M (-14.7%)
|
397.04M
est: 438.88M (-9.5%)
|
372.18M
est: 461.43M (-19.3%)
|
392.10M
est: 477.69M (-17.9%)
|
365.81M
est: 440.07M (-16.9%)
|
92.82M
est: 236.58M (-60.8%)
|
-82.44M
est: -82.67M (+0.3%)
|
6.58M
est: 87.47M (-92.5%)
|
-2.53M
est: 73.72M (-103.4%)
|
109.86M
96.68M – 123.04M
+49.0% YoY
|
158.68M
150.35M – 177.96M
+44.4% YoY
|
217.15M
195.04M – 239.26M
+36.8% YoY
|
267.40M
256.11M – 278.13M
+23.1% YoY
|
| SGA |
373.46M
est: 234.66M (+59.1%)
|
411.43M
est: 266.94M (+54.1%)
|
370.82M
est: 288.97M (+28.3%)
|
777.54M
est: 263.24M (+195.4%)
|
236.86M
est: 270.95M (-12.6%)
|
229.16M
est: 275.67M (-16.9%)
|
304.74M
est: 289.74M (+5.2%)
|
269.20M
est: 273.45M (-1.6%)
|
251.25M
est: 230.66M (+8.9%)
|
223.39M
est: 219.22M (+1.9%)
|
180.51M
est: 201.78M (-10.5%)
|
188.77M
188.13M – 189.11M
-6.5% YoY
|
190.55M
178.93M – 201.85M
+0.9% YoY
|
196.24M
194.46M – 198.02M
+3.0% YoY
|
195.92M
189.55M – 201.96M
-0.2% YoY
|
| EPS |
0.83
est: 0.90 (-7.9%)
|
1.47
est: 1.37 (+7.3%)
|
1.28
est: 1.54 (-16.8%)
|
1.39
est: 1.55 (-10.6%)
|
1.33
est: 1.63 (-18.6%)
|
1.38
est: 1.69 (-18.4%)
|
1.32
est: 1.56 (-15.3%)
|
0.33
est: 0.84 (-60.6%)
|
-0.30
est: -0.30 (-1.4%)
|
0.02
est: 0.31 (-92.4%)
|
-0.01
est: 0.28 (-103.2%)
|
0.40
0.34 – 0.43
+42.6% YoY
|
0.59
0.53 – 0.63
+48.0% YoY
|
0.76
0.69 – 0.84
+30.3% YoY
|
0.94
0.90 – 0.98
+23.1% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 1/5 | 5/5 |
| 2026-05-11 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 5/5 |
| 2026-05-08 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 5/5 |
| 2026-05-07 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 5/5 |
| 2026-05-06 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 1/5 | 5/5 |
| 2026-05-05 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 1/5 | 5/5 |
| 2026-05-04 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-30 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-29 | B- | 3/5 | 2/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-28 | B- | 3/5 | 2/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-27 | B- | 3/5 | 2/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-22 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-17 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
| 2026-04-16 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 5/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
197.70M
OE per share TTM
0.70
Owner's Yield
37.14%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
3.2%
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.
ETF Ownership
Top ETFs holding this stock
Held by 7 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Avantis Emerging Markets Small Cap Equity ETF AVEE | 0.01% | 6.7K | 0.42% |
| 2 | Dimensional - Emerging Markets Value ETF DFEV | 0.00% | 50.6K | 0.46% |
| 3 | Dimensional Emerging Markets Sustainability Core 1 ETF DFSE | 0.00% | 10.7K | 0.44% |
| 4 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.00% | 158.1K | 0.39% |
| 5 | Dimensional - Emerging Core Equity Market ETF DFAE | 0.00% | 67.0K | 0.29% |
| 6 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 70.4K | 0.28% |
| 7 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.00% | 1.4K | 0.56% |
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
301.7K
Shares Outstanding
283.12M
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
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Eder da Silva Grande | Chief Financial & Investor Relations Officer and Member of Statutory Executive Board | — | male |
| Eduardo Ribeiro Faria de Oliveira | Member of Statutory Executive Board | — | male |
| Gianfranco Lucchesi | Member of Statutory Executive Board | — | male |
| Mauricio Lopes | Chief Executive Officer & President of Statutory Executive Board | — | male |
| Pedro Henrique Rocha Nocetti | IR Manager | — | male |
| Rosangela Martins de Souza | Corporate Director of Operations, Administrative, Human Resources, Audit & Compliance | — | female |
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
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for QUAL3.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.
