profit from every R$100 of sales.
R$0R$100
Porto Seguro
R$46.41+1.02% today
+0.2% in 1 year
1-year low R$43.711-year high R$55.45
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay R$8.79 for every R$1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Porto Seguro sold, what it kept, and what it did with the cash.
Sales went from R$24.4 billion in 2022 to R$42.7 billion in 2025, with R$3.38 billion of profit last year.
SalesProfit
Porto Seguro handed back more cash to shareholders than it generated last year.
R$1.2B
Free cash flow 2025R$963M
Bought back its own sharesR$251M
Paid as dividendsR$1.2B
Cash vs. debtR$1.9B vs. R$720M
Porto Seguro vs. similar companies
Porto Seguro grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from R$100 of sales | Sales growth a year | Price per R$1 of profit |
|---|---|---|---|
| Porto Seguro | 8.8× · Cheap | ||
 Allianz | 16.6× · Fair price | ||
 Zurich Insurance Group | 17.2× · Fair price | ||
 AXA SA | 10.1× · Cheap | ||
 Assicurazioni Generali | 16.0× · Fair price |
AI analysis
An AI analyst reads Porto Seguro's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of BRL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 24,439 | 33,835 | 36,527 | 42,748 | |
| – | – | – | – | |
| – | – | – | – | |
| 1,941 | 4,241 | 4,445 | 5,112 | |
| 1,140 | 2,266 | 2,645 | 3,381 | |
| 1.77 | 3.50 | 4.13 | 5.28 | |
| – | – | – | – | |
| – | – | – | – | |
| 4.7% | 6.7% | 7.2% | 7.9% |
Balance sheet
| In millions of BRL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 39,914 | 44,240 | 47,914 | 55,865 |
| Cash | 2,434 | 1,105 | 2,191 | 1,898 |
| Total debt | 2,356 | 1,241 | 576 | 720 |
| Total liabilities | 29,336 | 31,742 | 33,768 | 39,994 |
| 10,520 | 12,415 | 14,051 | 15,741 | |
| 644 | 647 | 640 | 640 | |
| 8.5% | 18.7% | 18.2% | 18.8% | |
| 10.8% | 18.3% | 18.8% | 21.5% |
Cash flow
| In millions of BRL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,851 | 70 | 2,415 | 1,368 | |
| 2,264 | 572 | 283 | 405 | |
| 586 | -503 | 2,132 | 963 | |
| Dividends paid | 629 | 357 | 838 | 1,190 |
| 0 | 0 | 201 | 251 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 8.8×
- –
- 0.20
- 1.8×
- 0.7×
- 11.4%
- 4.0%
Profitability
- 7.9%
- 18.8%
- 16.0%
- –
- –
Growth
- +20.5%
- +44.0%
- –
- −0.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 10%of 754
Top 23%of 883
Top 26%of 880
Bottom 44%of 929
4.0%of the share price, paid each year
On $1,000 invested$40a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
35.2% of its profit
Room to growStretchedMore than it earns: 123.6%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
68Pass
Benjamin Graham
85Pass
Philip Fisher
74Pass
Peter Lynch
94Pass
Joel Greenblatt
68Pass
Charlie Munger
57No pass
Terry Smith
45No pass
Questions about Porto Seguro
Is Porto Seguro a good stock to buy?
A business with weak numbers, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Porto Seguro AI analysis
What does Porto Seguro do?
Porto Seguro S.A., together with its subsidiaries, provides a range of insurance products and services in Brazil and Uruguay. It is in Insurance - Diversified, based in São Paulo, SP, Brazil, with 13,491 employees.
Does Porto Seguro pay a dividend?
Yes. At today's price the dividend is 4.0% a year, about 35% of its yearly profit. In 2025 it paid out R$1.19 billion in dividends.
Is Porto Seguro stock halal?
No. Porto Seguro does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Porto Seguro stock done over the past year?
Up 0.2% over the past twelve months, to R$46.41. It traded between R$43.71 and R$55.45 and is 16.3% below its high.
Who are Porto Seguro's competitors?
The largest listed companies in the same industry are Allianz, Zurich Insurance Group, AXA SA and Assicurazioni Generali. The peers table on this page compares their profit, growth and price with Porto Seguro's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.