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B3 · BRL

PSSA3

Porto Seguro S.A.

R$47.40+0.89% (R$0.42)
Day's range
R$46.83 – R$47.83
Day's volume
R$173.1M
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$30.6B
P/E
8.32
P/B
1.90
Dividend yield (12m)
6.33%
Net debt/EBITDA
-4.05

The 12-month dividend yield of PSSA3 is 6.33%, above its 5-year average of 6.29%.

PSSA3 price history

10/01/202510/01/2026
Compare with

PSSA3 risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return+0.24%+109.90%+145.60%
Volatility (annualized)18.55%22.35%25.16%
Largest drawdown-13.06%-13.59%-25.75%
Positive months6/1220/3634/60

How much did investing in PSSA3 return?

R$1,000.00 invested on 10/01/2021 would be worth R$2,622.21 today.

Value today in PSSA3
R$2,622.21
Return over the period
+162.22%
Return per year
+21.27%
In the Ibovespa
R$1,794.79

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

PSSA3 fundamentals

Valuation

  • P/E
    8.32
  • 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$14.5B
  • 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$47.40.

Graham's fair price
R$56.54
19.29% 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
38.70% below the price

R$1.74 (5-year average) ÷ 6%

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

Graham ignores growth and debt; Bazin assumes past distributions repeat. They are references to compare, not a buy recommendation.

PSSA3's indicators by year

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

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's financial statements

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

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 Seguro8.321.906.33%22.84%R$30.6B
ITUB4ITAU UNIBANCO HOLDING S.A.10.432.247.15%21.50%R$511.8B
ITUB3ITAU UNIBANCO HOLDING S.A.11.412.456.53%21.50%R$511.8B
BPAC3BCO BTG PACTUAL S.A.15.683.481.91%22.20%R$271.9B
BPAC5BCO BTG PACTUAL S.A.13.142.922.28%22.20%R$271.9B
BBDC4BCO BRADESCO S.A.7.921.086.80%13.66%R$183.9B
BBDC3BCO BRADESCO S.A.6.940.957.05%13.66%R$183.9B

Does PSSA3 pay dividends?

Announced payments
TypeLast day to ownPaymentPer share
Dividend03/31/202611/30/2026R$0.89
Interest on equity09/23/202604/30/2027R$0.52
Interest on equity06/22/202604/30/2027R$0.51
Interest on equity03/30/202612/31/2027R$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 equity12/26/202504/10/2026R$0.54
Interest on equity09/25/202504/10/2026R$0.53
Interest on equity06/26/202504/10/2026R$0.48
Interest on equity03/28/202504/10/2026R$0.43
Dividend03/31/202511/28/2025R$0.48
Interest on equity12/30/202411/28/2025R$0.42
Dividend03/28/202504/10/2025R$0.13
Interest on equity09/27/202404/10/2025R$0.41
Interest on equity06/28/202404/10/2025R$0.32
Interest on equity03/28/202404/10/2025R$0.30
Dividend03/28/202412/31/2024R$0.09
Interest on equity09/28/202311/28/2024R$0.29
See all 69 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Interest on equity12/27/202304/10/2024R$0.53
Interest on equity06/29/202304/10/2024R$0.59
Interest on equity10/31/202211/29/2023R$0.09
Interest on equity08/30/202204/11/2023R$0.62
Dividend03/31/202211/29/2022R$0.04
Dividend03/31/202211/29/2022R$0.41
Interest on equity10/29/202104/11/2022R$0.28
Interest on equity07/29/202104/11/2022R$0.69
Dividend03/31/202110/30/2021R$1.39
Dividend03/31/202110/29/2021R$0.92
Dividend03/31/202104/12/2021R$0.26
Dividend03/31/202104/12/2021R$0.46
Interest on equity10/27/202010/30/2020R$0.56
Dividend03/31/202008/28/2020R$0.98
Interest on equity06/24/202006/29/2020R$0.60
Interest on equity10/29/201904/09/2020R$0.64
Interest on equity06/25/201904/09/2020R$0.71
Dividend03/29/201904/10/2019R$0.77
Interest on equity11/06/201804/10/2019R$0.77
Interest on equity06/27/201804/10/2019R$0.71
Dividend11/26/201812/05/2018R$0.93
Dividend05/28/201806/07/2018R$1.55
Dividend03/29/201804/11/2018R$0.09
Interest on equity10/30/201704/11/2018R$0.75
Interest on equity06/30/201704/11/2018R$0.75
Interest on equity12/20/201604/10/2017R$0.10
Interest on equity10/27/201604/10/2017R$1.09
Dividend03/29/201604/08/2016R$0.14
Interest on equity12/11/201504/08/2016R$0.32
Interest on equity10/28/201504/08/2016R$0.79
Interest on equity10/29/201404/10/2015R$0.62
Dividend03/27/201504/09/2015R$0.64
Dividend03/28/201404/10/2014R$0.40
Interest on equity12/23/201304/10/2014R$0.19
Interest on equity10/28/201304/10/2014R$0.55
Dividend03/28/201304/09/2013R$0.37
Interest on equity12/26/201204/05/2013R$0.20
Interest on equity10/30/201204/05/2013R$0.60
Interest on equity12/28/201104/05/2012R$0.20
Interest on equity10/28/201104/05/2012R$0.58
Dividend03/30/201104/06/2011R$0.27
Interest on equity12/30/201004/06/2011R$0.19
Interest on equity10/29/201004/06/2011R$0.35
Interest on equity12/30/200904/08/2010R$0.07
Interest on equity10/30/200904/08/2010R$0.41
Interest on equity12/30/200804/03/2009R$0.45
Dividend12/28/200704/04/2008R$0.70
Interest on equity12/28/200704/04/2008R$1.15
Interest on equity12/22/2014—R$0.21
Dividend03/28/2014—R$1.57
Dividend03/29/2012—R$0.18
Interest on equity12/28/2006—R$0.25
Dividend12/28/2006—R$0.90
Interest on equity10/30/2006—R$0.85
Interest on equity12/29/2005—R$0.20
Interest on equity10/31/2005—R$0.96
Interest on equity12/30/2004—R$0.81
Splits, reverse splits and bonus shares
EventLast day to ownRatio
Bonus shares10/20/2021100.00% in shares
Split03/28/20083 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 common
Average daily trading
R$80.8M
Ibovespa weight
0.32%
Listed since
11/22/2004
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 12/31/2026, from the Formulário de Referência filed with the CVM.
ShareholderCommonPreferredTotal
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$47.40 (0.89% on the day), last traded on 10/01/2026.

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 11/30/2026.

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

PSSA3 trades at a P/E of 8.32 and a P/B of 1.90.

How much did PSSA3 return in 12 months?

PSSA3 returned 0.24% in 12 months, with annualized volatility of 18.55% and a largest drawdown of -13.06%.

What sector is PSSA3 in?

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