Porto Seguro S.A (PSSA3) Fair Value & Analysis
Financial Services · BR · Market cap R$35.3B (≈ $6.9B) · ISIN BRPSSAACNOR7
What is Porto Seguro S.A really worth?
A solid business, currently priced close to our fair value of R$47.21.
Strengths
Risks
Fair value as of: Aug 22, 2026
From 6 valuation models · updated 14 days ago
Share price −5.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 22, 2026.
How to read this chart
60‑month range R$13.79 – R$55.45 · fair‑value band R$35.41 – R$59.01 · the R$51.24 price screens above the R$47.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 22, 2026.
Analysis
Porto Seguro S.A (PSSA3) currently trades at R$51.24, while our model-based Fair Value estimate is R$47.21, implying the stock looks roughly 8.5% fairly valued today. The Quality Score stands at 59/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of R$45.34 per share, and 1 of the 6 models we run sit above the R$51.24 price. Bear case: the Asset-Based group reads lowest at R$16.45, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Porto Seguro S.A generated revenue of R$44.3B at a net margin of 8.3%. Revenue grew 9.9% year over year. It earns a return on equity of 25.2%. The balance sheet holds a net cash position of R$1.2B. Fundamentals as of Aug 22, 2026
Our scenario range runs from R$35.41 (bear case) to R$59.01 (bull case); at R$51.24, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 8% below its 52-week high and 18% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −11% fair-value upside, at −8%, PSSA3 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly R$3.84 per share, which is 8.1 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Economic Profit (R$45.34) versus Asset-Based (R$16.45). Highest evidence: Gordon GGM (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 22, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 61
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Porto Seguro S.A., together with its subsidiaries, provides a range of insurance products and services in Brazil and Uruguay.
Full company description
Porto Seguro S.A., together with its subsidiaries, provides a range of insurance products and services in Brazil and Uruguay. It offers auto, residential, travel, cell phone, life, motorcycle, notebook and tablet, photo and video, smart and games, bike, real estate, green card, bail, and moving insurance products, as well as reinsurance, combined protection, professional civil liability, machines and equipment, events, agribusiness, and taxi insurance. The company also engages in the management and market of capitalization bonds; granting loans and financing for consumption and working capital; operation of credit cards; management of consortium groups for the acquisition of movable and immovable properties; distribution of investment fund units; maintenance, development and licensing of programs; installation of heating systems, natural gas and liquefied petroleum gas; operation of oncology, hematology, and radiotherapy centers; sale and distribution of automotive parts; and administration and management of securities portfolios, investment funds, and financial resources. In addition, it provides technical insurance brokerage services; services for obtaining credit and consumer financing; technical support for software and other information technology services; intermediation and agency services for services and businesses; debt collection and credit information services; administrative advisory services to physicians and health insurance companies; consulting and advisory services in occupational health, workplace safety, ergonomics, and outpatient services; electronic protection and monitoring related services; and telemarketing and general customer services. The company was founded in 1945 and is based in São Paulo, Brazil. Porto Seguro S.A. operates as a subsidiary of Porto Seguro Itaú Unibanco Participações S.A.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Porto Seguro S.A reported revenue of R$42.7B in FY2025 versus R$22.3B in FY2021, a compound +17.7%/yr. Reported net income was R$3.4B in FY2025, compounding +21.6%/yr from FY2021.
of which total revenue +9.4 % · buybacks/dilution +0.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Porto Seguro SA (BSP:PSSA3) (Q2 2026) Earnings Call Highlights: Record Revenue and Net Income ...
- Porto Seguro SA (BSP:PSSA3) (Q2 2026) Earnings Call Highlights: Record Revenue and ROAE Amidst ...
- Porto Seguro SA (BSP:PSSA3) Q4 2025 Earnings Call Highlights: Strong Revenue and Net Income ...
- Porto Seguro SA (BSP:PSSA3) Q4 2024 Earnings Call Highlights: Robust Revenue Growth and ...
Peer Group
Insurance - Diversified · 83 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Aug 22, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB80 | 1.67 THB | 1.48 THB | −11% |
| Allianz SE ALV | €453.00 | €266.04 | −41% |
| Zurich Insurance Group ZURN | CHF 596.00 | CHF 335.07 | −44% |
| AXA SA CS | €43.61 | €39.90 | −9% |
| Assicurazioni Generali S.p.A G | €44.11 | €10.92 | −75% |
| Sun Life Financial Inc SLF | C$108.85 | C$57.05 | −48% |
| American International Group AIG | $76.14 | $80.91 | +6% |
| The Hartford Insurance Group HIG | $137.38 | $133.10 | −3% |
| Arch Capital Group ACGL | $98.76 | $124.45 | +26% |
| Swiss Life Holding SLHN | CHF 919.00 | CHF 425.23 | −54% |
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