Telefonica Brasil (BSP:VIVT3) Unearned Premiums

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:VIVT3 Telefonica Brasil SA BSP:VIVT3
81 GF Score
Price R$30.73
GF Value R$33.61
Valuation Fairly Valued
! 3 Warning Signs
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What is Telefonica Brasil Unearned Premiums?

Unearned Premiums only applies to insurance companies.

BSP:VIVT3
81GF Score
Telefonica Brasil SA BSP:VIVT3
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Telefonica Brasil (BSP:VIVT3) Overvalued in 2026?

Based on GuruFocus' analysis, Telefonica Brasil stock appears to be undervalued. The current stock price of R$30.73 is trading 8.6% below its estimated GF Value™ of R$33.61. GuruFocus considers Telefonica Brasil to be Fairly Valued.

Key valuation signals for BSP:VIVT3:

  • Unearned Premiums:
  • GF Value™: R$33.61 vs. price of R$30.73 (8.6% below fair value)
  • GF Score™: 81/100 with 3 warning signs

No single metric tells the full story. See the BSP:VIVT3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Telefonica Brasil Business Description

Address Avenida Engenheiro Luis Carlos Berrini, 1376, 32nd Floor, Sao Paulo, SP, BRA, 04571-936
Telefonica Brasil SA, operating under the Vivo brand, is the largest telecommunications company in Brazil. It provides mobile voice and data services, fixed-line telephony, broadband internet, and pay-TV, serving both consumer and corporate customers nationwide. The company operates an extensive fiber-optic network and offers fixed broadband to millions of households, while its mobile segment covers prepaid and postpaid plans. Vivo also provides enterprise solutions, including data, cloud computing, IT services, and cybersecurity, primarily to business and government clients. Its revenue comes from subscription plans, usage charges, equipment sales, and corporate service contracts. The company was formed through the integration of Telefonica's Brazilian operations and Portugal Telecom's fixed-line business, and it is controlled by Telefonica SA of Spain. Vivo is headquartered in Sao Paulo and competes with other major carriers such as Claro and TIM in the Brazilian market.
81GF Score

Get the complete analysis for BSP:VIVT3

Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$30.73
Price
R$33.61
GF Value