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B3 · BRL

PSSA3

Porto Seguro S.A.

R$47.29+0.66% (R$0.31)
Day's range
R$46.83 – R$47.83
Day's volume
R$172.7m
52-week range
R$45.09 – R$55.72

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See how PSSA3 weighs in your net worth, what it has paid you and how far it is from your target allocation.

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PSSA3 in numbers

Market cap
R$30.6bn
P/E
8.30
P/B
1.90
Dividend yield (12m)
6.34%
Net debt/EBITDA
-4.05

The 12-month dividend yield of PSSA3 is 6.34%, above its 5-year average of 6.29%.

PSSA3 price history

01/10/202530/09/2026
Compare with

PSSA3 risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return+4.56%+120.06%+161.61%
Volatility (annualised)18.09%22.05%24.95%
Largest drawdown-13.06%-13.59%-21.32%
Positive months7/1221/3635/60

How much did investing in PSSA3 return?

R$1,000.00 invested on 01/09/2021 would be worth R$2,456.03 today.

Value today in PSSA3
R$2,456.03
Return over the period
+145.60%
Return per year
+19.69%
In the Ibovespa
R$1,657.66

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

PSSA3 fundamentals

Valuation

  • P/E
    8.30
  • P/B
    1.90
  • EV/EBITDA
    4.49
  • EV/EBIT
    5.10
  • EV/Revenue
    0.38
  • P/EBIT
    9.69
  • P/S
    0.72
  • P/OCF
    15.35
  • P/FCF
    22.43
  • Earnings yield
    19.61%
  • PEG ratio
    0.46
  • Earnings per share
    R$5.70
  • Book value per share
    R$24.94

Debt

  • Net debt
    -R$14.5bn
  • Net debt/EBITDA
    -4.05
  • Net debt/Equity
    -0.89
  • Debt/Equity
    0.00
  • Current ratio
    1.29
  • Quick ratio
    1.29
  • Cash ratio
    0.52

Efficiency

  • Gross margin
    100.00%
  • EBITDA margin
    8.40%
  • Operating margin
    7.40%
  • Net margin
    8.72%
  • Asset turnover
    0.72

Profitability

  • ROE
    22.84%
  • ROA
    6.31%
  • ROIC
    143.33%
  • Payout
    52.64%

Growth

  • Revenue CAGR (5 years)
    16.71%
  • Earnings CAGR (5 years)
    15.94%
  • Revenue growth (year)
    16.00%
  • Earnings growth (year)
    27.83%
  • Revenue growth (quarter)
    14.16%
  • Earnings growth (quarter)
    18.07%

What is PSSA3's fair price?

Two classic value formulas, with today's numbers. The current price is R$47.29.

Graham's fair price
R$56.54
19.57% above the price

√(22.50 × R$5.70 × R$24.94)

Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.

Bazin's ceiling price
R$29.05
38.56% below the price

R$1.74 (5-year average) ÷ 6%

Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.

Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.

PSSA3 indicators by year

Multiples at each year's closing price; margins and returns from that year's accounts.

Indicator20252024202320222021202020192018
P/E9.258.948.2013.198.759.3814.7112.86
P/B1.971.671.491.411.441.772.452.21
EV/EBITDA5.393.992.064.803.272.808.234.05
Dividend yield4.25%4.12%2.47%6.12%14.50%14.26%7.16%15.58%
Earnings per shareR$5.23R$4.09R$3.50R$1.76R$2.39R$5.22R$4.27R$4.05
Book value per shareR$24.55R$21.88R$19.33R$16.46R$14.48R$27.74R$25.58R$23.64
ROE21.30%18.70%18.13%10.66%16.49%18.83%16.68%17.15%
ROIC66.01%46.58%377.01%143.79%230.54%———
Gross margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%
EBITDA margin8.55%9.97%9.84%3.58%6.68%10.27%6.78%8.38%
Net margin8.27%7.50%7.00%4.09%7.28%9.07%7.63%7.35%
Net debt/EBITDA-3.56-2.73-3.77-10.29-6.26-5.48-8.32-7.24

PSSA3 financial statements

Line202520242023202220212020
Net revenueR$40.9bnR$35.2bnR$32.4bnR$27.7bnR$21.2bnR$18.6bn
Cost of salesR$0R$0R$0R$0R$0R$0
Gross profitR$40.9bnR$35.2bnR$32.4bnR$27.7bnR$21.2bnR$18.6bn
EBITDAR$3.5bnR$3.5bnR$3.2bnR$991.7mR$1.4bnR$1.9bn
EBITR$3.1bnR$3.1bnR$2.8bnR$707.5mR$1.2bnR$1.7bn
Net finance resultR$1.6bnR$845.1mR$736.3mR$604.3mR$468.7mR$921.1m
Profit before taxR$4.6bnR$3.9bnR$3.5bnR$1.3bnR$1.7bnR$2.6bn
Income tax-R$1.2bn-R$1.3bn-R$1.2bn-R$159.5m-R$171.5m-R$917m
Net incomeR$3.4bnR$2.6bnR$2.3bnR$1.1bnR$1.5bnR$1.7bn

Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.

PSSA3 against its sector

The same indicators for the company's other shares and the sector's largest stocks.

StockP/EP/BDividend yield (12m)ROEMarket cap
PSSA3Porto Seguro8.301.906.34%22.84%R$30.6bn
ITUB4ITAU UNIBANCO HOLDING S.A.10.432.247.15%21.50%R$511.8bn
ITUB3ITAU UNIBANCO HOLDING S.A.11.412.456.53%21.50%R$511.8bn
BPAC3BCO BTG PACTUAL S.A.15.683.481.91%22.20%R$271.9bn
BPAC5BCO BTG PACTUAL S.A.13.142.922.28%22.20%R$271.9bn
BBDC4BCO BRADESCO S.A.7.921.086.80%13.66%R$183.9bn
BBDC3BCO BRADESCO S.A.6.940.957.05%13.66%R$183.9bn

Does PSSA3 pay dividends?

Announced payments
TypeLast day to ownPaymentPer share
Dividend31/03/202630/11/2026R$0.89
Interest on equity23/09/202630/04/2027R$0.52
Interest on equity22/06/202630/04/2027R$0.51
Interest on equity30/03/202631/12/2027R$0.54

Dividend yield per year

  • 6.53%2017
  • 15.58%2018
  • 7.16%2019
  • 14.26%2020
  • 14.50%2021
  • 6.12%2022
  • 2.47%2023
  • 4.12%2024
  • 4.25%2025
  • 4.20%2026
Payment history
TypeLast day to ownPaymentPer share
Interest on equity26/12/202510/04/2026R$0.54
Interest on equity25/09/202510/04/2026R$0.53
Interest on equity26/06/202510/04/2026R$0.48
Interest on equity28/03/202510/04/2026R$0.43
Dividend31/03/202528/11/2025R$0.48
Interest on equity30/12/202428/11/2025R$0.42
Dividend28/03/202510/04/2025R$0.13
Interest on equity27/09/202410/04/2025R$0.41
Interest on equity28/06/202410/04/2025R$0.32
Interest on equity28/03/202410/04/2025R$0.30
Dividend28/03/202431/12/2024R$0.09
Interest on equity28/09/202328/11/2024R$0.29
See all 69 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Interest on equity27/12/202310/04/2024R$0.53
Interest on equity29/06/202310/04/2024R$0.59
Interest on equity31/10/202229/11/2023R$0.09
Interest on equity30/08/202211/04/2023R$0.62
Dividend31/03/202229/11/2022R$0.04
Dividend31/03/202229/11/2022R$0.41
Interest on equity29/10/202111/04/2022R$0.28
Interest on equity29/07/202111/04/2022R$0.69
Dividend31/03/202130/10/2021R$1.39
Dividend31/03/202129/10/2021R$0.92
Dividend31/03/202112/04/2021R$0.26
Dividend31/03/202112/04/2021R$0.46
Interest on equity27/10/202030/10/2020R$0.56
Dividend31/03/202028/08/2020R$0.98
Interest on equity24/06/202029/06/2020R$0.60
Interest on equity29/10/201909/04/2020R$0.64
Interest on equity25/06/201909/04/2020R$0.71
Dividend29/03/201910/04/2019R$0.77
Interest on equity06/11/201810/04/2019R$0.77
Interest on equity27/06/201810/04/2019R$0.71
Dividend26/11/201805/12/2018R$0.93
Dividend28/05/201807/06/2018R$1.55
Dividend29/03/201811/04/2018R$0.09
Interest on equity30/10/201711/04/2018R$0.75
Interest on equity30/06/201711/04/2018R$0.75
Interest on equity20/12/201610/04/2017R$0.10
Interest on equity27/10/201610/04/2017R$1.09
Dividend29/03/201608/04/2016R$0.14
Interest on equity11/12/201508/04/2016R$0.32
Interest on equity28/10/201508/04/2016R$0.79
Interest on equity29/10/201410/04/2015R$0.62
Dividend27/03/201509/04/2015R$0.64
Dividend28/03/201410/04/2014R$0.40
Interest on equity23/12/201310/04/2014R$0.19
Interest on equity28/10/201310/04/2014R$0.55
Dividend28/03/201309/04/2013R$0.37
Interest on equity26/12/201205/04/2013R$0.20
Interest on equity30/10/201205/04/2013R$0.60
Interest on equity28/12/201105/04/2012R$0.20
Interest on equity28/10/201105/04/2012R$0.58
Dividend30/03/201106/04/2011R$0.27
Interest on equity30/12/201006/04/2011R$0.19
Interest on equity29/10/201006/04/2011R$0.35
Interest on equity30/12/200908/04/2010R$0.07
Interest on equity30/10/200908/04/2010R$0.41
Interest on equity30/12/200803/04/2009R$0.45
Dividend28/12/200704/04/2008R$0.70
Interest on equity28/12/200704/04/2008R$1.15
Interest on equity22/12/2014—R$0.21
Dividend28/03/2014—R$1.57
Dividend29/03/2012—R$0.18
Interest on equity28/12/2006—R$0.25
Dividend28/12/2006—R$0.90
Interest on equity30/10/2006—R$0.85
Interest on equity29/12/2005—R$0.20
Interest on equity31/10/2005—R$0.96
Interest on equity30/12/2004—R$0.81
Splits, share consolidations and bonus shares
EventLast day to ownRatio
Bonus shares20/10/2021100.00% in shares
Split28/03/20083 for 1

About Porto Seguro

Sector
Serviços Financeiros
Segment
Seguradoras
Listing segment
Novo Mercado
Tag along
100.00%
Free float
27.66%
Shares issued
646.59m ordinary
Average daily trading
R$80.8m
Ibovespa weight
0.33%
Listed since
22/11/2004
CNPJ
02.149.205/0001-69

Porto Seguro S.A. é uma empresa brasileira de seguros e serviços financeiros, uma das maiores seguradoras do Brasil. A companhia oferece produtos de seguros para pessoas físicas e jurídicas, incluindo seguros de automóvel, residencial, comercial, saúde e vida. Porto Seguro atua também em serviços de assistência, previdência complementar e outros produtos financeiros. Com mais de 70 anos de história, a empresa é referência no mercado de seguros brasileiro, operando com tecnologia avançada, rede de atendimento abrangente e foco em inovação e satisfação do cliente.

Investor website
ShareholdersAs of 31/12/2026, from the Formulário de Referência filed with the CVM.
ShareholderOrdinaryPreferredTotal
Porto Seguro Itaú Unibanco Participações S.A.Controlling70.82%0.00%70.82%
Outros28.22%0.00%28.22%
Ações Tesouraria0.97%0.00%0.97%

Questions about PSSA3

How much is PSSA3 today?

PSSA3 is at R$47.29 (0.66% on the day), last traded on 30/09/2026.

How much did PSSA3 pay in dividends in 2025?

PSSA3 paid R$2.06 per share in 2025, a dividend yield of 4.25%.

When is the next PSSA3 dividend?

The next announced payment is R$0.89 per share on 30/11/2026.

What are the P/E and P/B of PSSA3?

PSSA3 trades at a P/E of 8.30 and a P/B of 1.90.

How much did PSSA3 return in 12 months?

PSSA3 returned 4.56% in 12 months, with annualised volatility of 18.09% and a largest drawdown of -13.06%.

What sector is PSSA3 in?

Porto Seguro is in the Serviços Financeiros sector, Seguradoras segment.