Qualicorp Consultoria e Corretora de Seguros S.A
Qualicorp Consultoria e Corretora de Seguros S.A. operates as a multi-solution company in Brazil. The company offers private healthcare plans, markets and manages other insurance or complementary services, and provides services for the capture, routing, authorization, and billing of medical and hospital services. It also offers medical audit services, processing of medical bills, call center oper… Read more
Qualicorp Consultoria e Corretora de Seguros S.A (QUAL3) - Net Assets
Latest net assets as of December 2025: R$1.31 Billion BRL
Based on the latest financial reports, Qualicorp Consultoria e Corretora de Seguros S.A (QUAL3) has net assets worth R$1.31 Billion BRL as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (R$3.94 Billion) and total liabilities (R$2.63 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | R$1.31 Billion |
| % of Total Assets | 33.22% |
| Annual Growth Rate | N/A |
| 5-Year Change | 2.61% |
| 10-Year Change | -36.72% |
| Growth Volatility | 260.06 |
Qualicorp Consultoria e Corretora de Seguros S.A - Net Assets Trend (2007–2025)
This chart illustrates how Qualicorp Consultoria e Corretora de Seguros S.A's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Qualicorp Consultoria e Corretora de Seguros S.A (2007–2025)
The table below shows the annual net assets of Qualicorp Consultoria e Corretora de Seguros S.A from 2007 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | R$1.31 Billion | +0.52% |
| 2024-12-31 | R$1.30 Billion | +1.25% |
| 2023-12-31 | R$1.29 Billion | -5.24% |
| 2022-12-31 | R$1.36 Billion | +6.40% |
| 2021-12-31 | R$1.28 Billion | -24.35% |
| 2020-12-31 | R$1.69 Billion | +19.68% |
| 2019-12-31 | R$1.41 Billion | -40.19% |
| 2018-12-31 | R$2.35 Billion | -0.52% |
| 2017-12-31 | R$2.37 Billion | +14.47% |
| 2016-12-31 | R$2.07 Billion | +3.71% |
| 2015-12-31 | R$1.99 Billion | -15.40% |
| 2014-12-31 | R$2.36 Billion | +15.11% |
| 2013-12-31 | R$2.05 Billion | +2.77% |
| 2012-12-31 | R$1.99 Billion | +2.79% |
| 2011-12-31 | R$1.94 Billion | +20.24% |
| 2010-12-31 | R$1.61 Billion | +1105.58% |
| 2009-12-31 | R$133.70 Million | +53.04% |
| 2008-12-31 | R$87.36 Million | +2097.30% |
| 2007-12-31 | R$-4.37 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Qualicorp Consultoria e Corretora de Seguros S.A's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 25023400000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | R$250.23 Million | 19.39% |
| Common Stock | R$875.58 Million | 67.85% |
| Other Comprehensive Income | R$182.95 Million | 14.18% |
| Total Equity | R$1.29 Billion | 100.00% |
Qualicorp Consultoria e Corretora de Seguros S.A Competitors by Market Cap
The table below lists competitors of Qualicorp Consultoria e Corretora de Seguros S.A ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Naturel Yenilenebilir Enerji Ticare
IS:NATEN
|
$43.70 Million |
|
Sungchang Hold
KO:000180
|
$43.70 Million |
|
Mukand Limited
NSE:MUKANDLTD
|
$43.70 Million |
|
Johnson Chemical Pharmaceutical Works Co Ltd
TWO:4747
|
$43.71 Million |
|
GRP Limited
NSE:GRPLTD
|
$43.68 Million |
|
Hai Kwang Enterprise Corp
TW:2038
|
$43.67 Million |
|
Horizon Copper Corp
OTCQX:HNCUF
|
$43.66 Million |
|
RAUTE OY A EO 2
F:RAUA
|
$43.65 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Qualicorp Consultoria e Corretora de Seguros S.A's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,282,265,000 to 1,290,436,000, a change of 8,171,000 (0.6%).
- Net loss of 2,534,000 reduced equity.
- Dividend payments of 1,549,000 reduced retained earnings.
- Other comprehensive income increased equity by 123,188,000.
- Other factors decreased equity by 110,934,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | R$-2.53 Million | -0.2% |
| Dividends Paid | R$1.55 Million | -0.12% |
| Other Comprehensive Income | R$123.19 Million | +9.55% |
| Other Changes | R$-110.93 Million | -8.6% |
| Total Change | R$- | 0.64% |
Book Value vs Market Value Analysis
This analysis compares Qualicorp Consultoria e Corretora de Seguros S.A's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.39x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 4.70x to 0.39x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | R$0.38 | R$1.78 | x |
| 2009-12-31 | R$0.58 | R$1.78 | x |
| 2010-12-31 | R$6.97 | R$1.78 | x |
| 2011-12-31 | R$7.93 | R$1.78 | x |
| 2012-12-31 | R$7.47 | R$1.78 | x |
| 2013-12-31 | R$7.62 | R$1.78 | x |
| 2014-12-31 | R$8.13 | R$1.78 | x |
| 2015-12-31 | R$6.84 | R$1.78 | x |
| 2016-12-31 | R$7.11 | R$1.78 | x |
| 2017-12-31 | R$8.12 | R$1.78 | x |
| 2018-12-31 | R$8.22 | R$1.78 | x |
| 2019-12-31 | R$5.01 | R$1.78 | x |
| 2020-12-31 | R$5.92 | R$1.78 | x |
| 2021-12-31 | R$4.56 | R$1.78 | x |
| 2022-12-31 | R$4.83 | R$1.78 | x |
| 2023-12-31 | R$4.55 | R$1.78 | x |
| 2024-12-31 | R$4.54 | R$1.78 | x |
| 2025-12-31 | R$4.54 | R$1.78 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Qualicorp Consultoria e Corretora de Seguros S.A utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -0.20%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -0.18%
- • Asset Turnover: 0.36x
- • Equity Multiplier: 3.05x
- Recent ROE (-0.20%) is below the historical average (11.40%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | 30.54% | 11.72% | 1.40x | 1.86x | R$17.95 Million |
| 2009 | 29.89% | 12.93% | 1.07x | 2.16x | R$26.60 Million |
| 2010 | -1.08% | -9.75% | 0.07x | 1.52x | R$-178.55 Million |
| 2011 | -1.74% | -5.01% | 0.24x | 1.47x | R$-228.30 Million |
| 2012 | 1.12% | 2.42% | 0.30x | 1.55x | R$-177.43 Million |
| 2013 | -1.58% | -2.64% | 0.37x | 1.63x | R$-232.67 Million |
| 2014 | 5.20% | 8.20% | 0.39x | 1.61x | R$-113.01 Million |
| 2015 | 11.41% | 13.13% | 0.50x | 1.73x | R$28.14 Million |
| 2016 | 19.61% | 20.60% | 0.55x | 1.74x | R$198.38 Million |
| 2017 | 15.66% | 17.86% | 0.59x | 1.49x | R$134.02 Million |
| 2018 | 16.86% | 20.55% | 0.54x | 1.51x | R$161.59 Million |
| 2019 | 26.43% | 18.60% | 0.60x | 2.38x | R$231.35 Million |
| 2020 | 23.29% | 19.35% | 0.46x | 2.62x | R$223.77 Million |
| 2021 | 28.89% | 17.45% | 0.48x | 3.48x | R$239.17 Million |
| 2022 | 6.89% | 4.76% | 0.43x | 3.35x | R$-41.83 Million |
| 2023 | -6.49% | -4.71% | 0.39x | 3.55x | R$-209.46 Million |
| 2024 | 0.51% | 0.42% | 0.36x | 3.41x | R$-121.65 Million |
| 2025 | -0.20% | -0.18% | 0.36x | 3.05x | R$-131.58 Million |
Industry Comparison
This section compares Qualicorp Consultoria e Corretora de Seguros S.A's net assets metrics with peer companies in the Healthcare Plans industry.
Industry Context
- Industry: Healthcare Plans
- Average net assets among peers: $719,458,000
- Average return on equity (ROE) among peers: 30.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Qualicorp Consultoria e Corretora de Seguros S.A (QUAL3) | R$1.31 Billion | 30.54% | 2.01x | $43.69 Million |
| Odontoprev S.A (ODPV3) | $719.46 Million | 30.44% | 0.27x | $548.11 Million |