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INDICATIVE · SAMPLE DATA
PSSA357

PSSA3.SA

Multiline Insurance & BrokersVerified

PSSA3.SA maintains a liquidity position with a cash and equivalents balance of 1.62 billion BRL, but its liquidity risk is rated as medium due to a negative net cash position after subtracting total debt. The company's debt-to-equity ratio is 1.36, indicating a moderate reliance on debt financing. The company's profitability is reflected in a return on equity of 21.48% and a return on assets of 6.05%, which are strong indicators of efficient capital use and asset management. These metrics suggest that PSSA3.SA is performing well in terms of generating returns for its shareholders. PSSA3.SA's revenue is primarily derived from its operations in the insurance and asset management sectors. The company's exposure is concentrated in these segments, with no significant geographic diversification reported in the available data. The company's growth trajectory is expected to be positive, with a focus on maintaining and potentially expanding its current operations. The outlook for the current fiscal year is optimistic, with a projected increase in revenue and earnings. PSSA3.SA faces a medium level of risk, with liquidity concerns being the primary issue. The company's dilution potential is low, and no significant adjustments have been applied to its valuation metrics. The risk assessment indicates that the company is managing its financial obligations effectively. Recent events, including analyst estimates and recommendations, suggest a cautious outlook from the investment community. The mean price target is 53.88 BRL, with a median of 54.00 BRL, and the majority of recommendations are holds.

30-day price · PSSA3-5.50 (-10.2%)
Low$47.45High$55.72Close$48.28As of28 May, 00:00 UTC
Profile
CompanyPSSA3.SA
TickerPSSA3.SA
SectorFinancials
BusinessInsurance
Industry groupInsurance
IndustryMultiline Insurance & Brokers
AI analysis

Business. PSSA3.SA operates in the insurance and asset management sectors, generating revenue through multiline insurance products and investment management services.

Classification. PSSA3.SA is classified under the Financials economic sector, Insurance business sector, and Multiline Insurance & Brokers industry with a confidence level of 0.92.

PSSA3.SA maintains a liquidity position with a cash and equivalents balance of 1.62 billion BRL, but its liquidity risk is rated as medium due to a negative net cash position after subtracting total debt. The company's debt-to-equity ratio is 1.36, indicating a moderate reliance on debt financing. The company's profitability is reflected in a return on equity of 21.48% and a return on assets of 6.05%, which are strong indicators of efficient capital use and asset management. These metrics suggest that PSSA3.SA is performing well in terms of generating returns for its shareholders. PSSA3.SA's revenue is primarily derived from its operations in the insurance and asset management sectors. The company's exposure is concentrated in these segments, with no significant geographic diversification reported in the available data. The company's growth trajectory is expected to be positive, with a focus on maintaining and potentially expanding its current operations. The outlook for the current fiscal year is optimistic, with a projected increase in revenue and earnings. PSSA3.SA faces a medium level of risk, with liquidity concerns being the primary issue. The company's dilution potential is low, and no significant adjustments have been applied to its valuation metrics. The risk assessment indicates that the company is managing its financial obligations effectively. Recent events, including analyst estimates and recommendations, suggest a cautious outlook from the investment community. The mean price target is 53.88 BRL, with a median of 54.00 BRL, and the majority of recommendations are holds.
Key takeaways
  • PSSA3.SA has a strong return on equity of 21.48%, indicating effective use of shareholder capital.
  • The company's liquidity risk is rated as medium, with a negative net cash position after subtracting total debt.
  • PSSA3.SA's debt-to-equity ratio is 1.36, suggesting a moderate reliance on debt financing.
  • Analysts have a cautious outlook, with a mean recommendation of 2.67 and a median price target of 54.00 BRL.
  • The company's growth is expected to be positive, with a focus on maintaining and expanding its current operations.
  • --
  • # RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyBRL
Revenue
Gross profit
Operating income$2.98B
Net income$3.38B
R&D
SG&A
D&A
SBC
Operating cash flow$1.37B
CapEx-$542.6M
Free cash flow$2.11B
Total assets$55.86B
Total liabilities$40.12B
Total equity$15.74B
Cash & equivalents$1.62B
Long-term debt$21.36B
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book$15.74B
Net cash-$19.74B
Current ratio
Debt/Equity1.4
ROA6.0%
ROE21.5%
Cash conversion40.0%
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Asset Management · cohort 27 companies
MetricPSSA3Activity
Op margin10.7% medp25 0.3% · p75 28.3%
Net margin6.3% medp25 -0.8% · p75 18.8%
Gross margin47.8% medp25 32.7% · p75 78.3%
CapEx / revenue-2.6% medp25 -5.5% · p75 -0.8%
Debt / equity136.0%4.4% medp25 0.0% · p75 36.0%top quartile
Observations
IR observations
Mean price target53.88 BRL
Median price target54.00 BRL
High price target59.00 BRL
Low price target46.00 BRL
Mean recommendation2.67 (1=strong buy, 5=strong sell)
Strong-buy count0.00
Buy count3.00
Hold count6.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate5.59 BRL
Last actual EPS5.21 BRL
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-06 15:52 UTC#9077642a
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 02:11 UTCJob: 24bf431e