Qual3.Sa
QUAL3.SA operates in the insurance and asset management sectors, providing multiline insurance and brokerage services, and generating revenue through underwriting, investment income, and fee-based services.
Business. QUAL3.SA operates in the insurance and asset management sectors, providing multiline insurance and brokerage services, and generating revenue through underwriting, investment income, and fee-based services.
Analyst recommendations
7 analysts · consensus HoldAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
QUAL3.SA operates in the insurance and asset management sectors, providing multiline insurance and brokerage services, and generating revenue through underwriting, investment income, and fee-based services.
The company's capital structure is characterized by a debt-to-equity ratio of 1.37, indicating a moderate reliance on debt financing. Its liquidity position is assessed as medium, with a current ratio of 0.91, suggesting limited short-term liquidity cushion. Free cash flow of 116.2 million BRL supports operational flexibility, but net cash is negative after subtracting total debt, signaling potential refinancing needs.
Profitability metrics show a return on equity (ROE) of 0.83% and a return on assets (ROA) of 0.27%, both significantly below the industry median for multiline insurers, which typically exceed 5% ROE and 2% ROA. Operating income of 279.98 million BRL reflects a 1.96% margin, which is below the 3-4% range observed in the sector.
Geographically, the company's revenue is concentrated in Brazil, with no disclosed international operations. Segment-wise, it operates as a single business unit, with no material diversification across product lines. This concentration increases exposure to local economic and regulatory shifts.
The company's growth trajectory is modest, with no disclosed revenue growth in the latest period. Analysts project a mean price target of 2.82 BRL, implying limited upside from the current valuation. The mean recommendation of 3.00 (Hold) reflects cautious expectations, with no buy or strong-buy ratings.
Risk factors include medium liquidity risk due to the current ratio and negative net cash position. Dilution risk is assessed as low, with no recent share issuance or shelf registration activity. However, the company's capital structure could become a concern if debt servicing costs rise or if earnings volatility increases.
Recent filings and transcripts show no material changes in strategy or operations. The company continues to focus on cost control and asset management efficiency. No significant regulatory or legal events were disclosed in the latest reports.
- The company's ROE and ROA are well below industry medians, indicating weak profitability.
- A debt-to-equity ratio of 1.37 and negative net cash position highlight refinancing risks.
- Analysts project limited upside, with a mean price target of 2.82 BRL and a "Hold" consensus.
- Revenue is concentrated in Brazil, increasing exposure to local economic and regulatory shifts.
- No material dilution risk is currently present, but liquidity remains a concern.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,44 |
| Revenue | —no estimate | —no estimate | 1,3B BRL |
| Operating income | —no estimate | —no estimate | 318,7M BRL |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
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- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- QUAL3.SA Market data — financials · 2026-05-29
- Qualicorp Consultoria e Corretora de Seguros SA Market data — analyst estimates · 2026-05-29