Obermatt

Qualicorp

SAO:QUAL3 · BRQUALACNOR6
Health Care Providers & ServicesMedium

360

80
EV / EBIT97
Price / Owner Earnings63
Owner Earnings Yield79
Dividend Yield99
Price/Sales96
EV / Gross Profit91
Price/Book96
Return on Capital67
Cash Return on Capital57
Return on Equity30
EBIT Margin96
Gross Profitability65
Cash Conversion92
Accruals34
Owner Earnings Margin71
Sales growth5
Profit Growth28
Long-Term EPS Growth96
Reinvestment39
Price momentum13
Debt load7
Refinancing1
Debt Payback41
Liquidity10
Analyst ratings17
Opinion Changes50
Price Target Upside90
Market mood1
Value Creation8/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Qualicorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryBrazil
IndustryHealth Care Providers & Services
SizeMedium
TypePublic Company
ExchangeBOVESPA
Founded2010
Employees1,626
ISINBRQUALACNOR6
Last UpdateApr 2, 2026
Index & Theme
Employee BenefitsInsurtechHealth CareInsurance

Description

Qualicorp Consultoria e Corretora de Seguros S.A. operates as a healthcare benefits broker, administrator, and health management services provider. Business Segments The company is structured around a singular, prominent operating segment known as…

Analysis

Bargain bin

Qualicorp Consultoria e Corretora de Seguros S.A. falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 3.8× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -18% yearly growth; analysts expect 75%. The price, in other words, assumes less than the experts do.

The trajectory is moderate and the balance sheet is adequate. The company scores 8/20 on our value-creation score: creating some value.

What to watch: The financial cushion is thinner than comfortable. A large part of the company's book value is the price paid for past acquisitions. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
9
2023202420252026

All-time high

31

Jan 2024

All-time low

5

Mar 2026

Average rank

14

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
96
100
95
70
Price/Earnings
100
91
97
81
Price/Book
96
95
95
43
Dividend Yield
99
90
100
96
Value (overall)
100
100
100
79

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →