PSSA3.SA- Porto Seguro S.A.
🇧🇷 BRLFinancial Services · Insurance - Diversified
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 11 analysts
12-Month Price Target
$57.18
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $49.47
Graham Number
√(22.5 × EPS × Book Value)
$56.70
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$25.97
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
9/10
90% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
24.2%Return on equity - measures how efficiently capital is used
Positive profit margin
8.1%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+9.6%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+0.3%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
6.37×Low financial leverage reduces risk of distress
Current ratio above 1
1.25×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$80M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
4.21%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Nov 5, 2026
33
days
EPS (TTM)
$5.68
P/E (TTM)
8.7
Fwd P/E
8.0
Dividends & Income
Dividends
Current DY
4.21%
5Y Avg Annual
$1.7615
Last Payment
$0.5207
Ex-Date
09/24/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest09/24/2026 | 10/08/2026 | $0.5207 | 4.21% |
06/23/2026 | 07/07/2026 | $0.5128 | 4.15% |
04/01/2026 | 04/15/2026 | $0.8861 | 7.16% |
03/31/2026 | 04/14/2026 | $0.5423 | 4.39% |
12/29/2025 | 01/12/2026 | $0.5376 | 4.35% |
09/26/2025 | 10/10/2025 | $0.5338 | 4.32% |
06/27/2025 | 07/11/2025 | $0.4832 | 3.91% |
03/31/2025 | 04/14/2025 | $1.0385 | 8.40% |
Magic Number
Shares needed to self-fund your next purchase
$49.47
Price
$0.5207
Last div. (quarterly)
96
shares
Own 96 PSSA3.SA shares ($4,749.12) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$4,749.12
New shares / year
+4 shares
Dividend Calculator
4.20% yieldEstimate PSSA3.SA dividend income at the current rate.
Per year
$420.46
Per month
$35.04
≈ 202.1 shares at $2.08/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
PSSA3.SA vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
R$ 552.068,46
Total invested
R$ 130.000,00
Total interest
R$ 422.068,46
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | R$ 10.000,00 | R$ 10.000,00 | R$ 0,00 |
| Year 1 | R$ 17.523,25 | R$ 16.000,00 | R$ 1.523,25 |
| Year 2 | R$ 25.949,29 | R$ 22.000,00 | R$ 3.949,29 |
| Year 3 | R$ 35.386,45 | R$ 28.000,00 | R$ 7.386,45 |
| Year 4 | R$ 45.956,07 | R$ 34.000,00 | R$ 11.956,07 |
| Year 5 | R$ 57.794,05 | R$ 40.000,00 | R$ 17.794,05 |
| Year 6 | R$ 71.052,59 | R$ 46.000,00 | R$ 25.052,59 |
| Year 7 | R$ 85.902,15 | R$ 52.000,00 | R$ 33.902,15 |
| Year 8 | R$ 102.533,65 | R$ 58.000,00 | R$ 44.533,65 |
| Year 9 | R$ 121.160,94 | R$ 64.000,00 | R$ 57.160,94 |
| Year 10 | R$ 142.023,50 | R$ 70.000,00 | R$ 72.023,50 |
| Year 11 | R$ 165.389,57 | R$ 76.000,00 | R$ 89.389,57 |
| Year 12 | R$ 191.559,57 | R$ 82.000,00 | R$ 109.559,57 |
| Year 13 | R$ 220.869,97 | R$ 88.000,00 | R$ 132.869,97 |
| Year 14 | R$ 253.697,61 | R$ 94.000,00 | R$ 159.697,61 |
| Year 15 | R$ 290.464,57 | R$ 100.000,00 | R$ 190.464,57 |
| Year 16 | R$ 331.643,57 | R$ 106.000,00 | R$ 225.643,57 |
| Year 17 | R$ 377.764,05 | R$ 112.000,00 | R$ 265.764,05 |
| Year 18 | R$ 429.418,98 | R$ 118.000,00 | R$ 311.418,98 |
| Year 19 | R$ 487.272,51 | R$ 124.000,00 | R$ 363.272,51 |
| Year 20 | R$ 552.068,46 | R$ 130.000,00 | R$ 422.068,46 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The Ibovespa, Brazil's main stock index, has historically returned roughly 12%/year in nominal terms over long periods. The CDI, the interbank interest benchmark, sits around 11% and tracks the Selic rate. The poupança (savings) pays about 6%, while inflation (IPCA) has run near 5%. Nominal Brazilian returns look high next to US figures mainly because inflation is higher, so compare real (inflation-adjusted) returns when planning.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Porto Seguro S.A.
Porto Seguro S.A., together with its subsidiaries, provides a range of insurance products and services in Brazil and Uruguay. It offers auto, residential, travel, cell phone, life, motorcycle, notebook and tablet, photo and video, smart and games, bike, real estate, green card, bail, and moving insurance products, as well as reinsurance, combined protection, professional civil liability, machines and equipment, events, agribusiness, and taxi insurance. The company also engages in the management and market of capitalization bonds; granting loans and financing for consumption and working capital; operation of credit cards; management of consortium groups for the acquisition of movable and immovable properties; distribution of investment fund units; maintenance, development and licensing of programs; installation of heating systems, natural gas and liquefied petroleum gas; operation of oncology, hematology, and radiotherapy centers; sale and distribution of automotive parts; and administration and management of securities portfolios, investment funds, and financial resources. In addition, it provides technical insurance brokerage services; services for obtaining credit and consumer financing; technical support for software and other information technology services; intermediation and agency services for services and businesses; debt collection and credit information services; administrative advisory services to physicians and health insurance companies; consulting and advisory services in occupational health, workplace safety, ergonomics, and outpatient services; electronic protection and monitoring related services; and telemarketing and general customer services. The company was founded in 1945 and is based in São Paulo, Brazil. Porto Seguro S.A. operates as a subsidiary of Porto Seguro Itaú Unibanco Participações S.A.
Sector
Financial Services
Industry
Insurance - Diversified
Location
São Paulo, Brazil
Employees
13,517
CEO
Mr. Paulo Sérgio Kakinoff
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Porto Seguro S.A. (PSSA3.SA) stock trades at $49.47, up 3.41% on the day. With a market capitalization of $31.71 billion, PSSA3.SA is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 8.7, a forward P/E of 8.0 and earnings per share (EPS) of $5.68. Over the most recent period the company reported 10% year-over-year revenue growth and a net profit margin of 8.1%. Below you'll find PSSA3.SA's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
PSSA3.SA - Frequently Asked Questions
Is Porto Seguro S.A. (PSSA3.SA) a good stock to buy in 2026?
Porto Seguro S.A. (PSSA3.SA) shows strengths such as a 24% return on equity, while risks include high leverage (debt/equity of 6.4). Whether PSSA3.SA is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is PSSA3.SA's stock price today?
Porto Seguro S.A. (PSSA3.SA) trades at $49.47 as of October 2, 2026, up 3.41% on the session. Prices on this page update throughout the trading day.
Does PSSA3.SA pay a dividend?
Yes. Porto Seguro S.A. pays an annual dividend of $2.08 per share, a dividend yield of 4.21%. The most recent ex-dividend date was September 24, 2026. Its payout ratio is about 53% of earnings.
Is PSSA3.SA overvalued?
With a P/E ratio of 8.7×, PSSA3.SA trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 0.39 (below 1, which can signal growth at a reasonable price). See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is PSSA3.SA's market cap?
Porto Seguro S.A. (PSSA3.SA) has a market capitalization of $31.71 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.