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Hapvida Participacoes Investimento has a Cash Ratio of 1.32. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
Hapvida Participacoes Investimento (BSP:HAPV3) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Hapvida Participacoes Investimento Cash Ratio Related Terms
Hapvida Participacoes Investimento Cash Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hapvida Participacoes Investimento Cash Ratio Chart
For the Insurance - Life subindustry, Hapvida Participacoes Investimento's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hapvida Participacoes Investimento Cash Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Hapvida Participacoes Investimento's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hapvida Participacoes Investimento (BSP:HAPV3) has a Cash Ratio of 1.32 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Hapvida Participacoes Investimento and its competitors. This is 43% above median its historical median of 0.92. Over the past decade, Hapvida Participacoes Investimento's Cash Ratio has ranged from 0.54 to 1.67. According to the industry distribution chart, Hapvida Participacoes Investimento ranks #16 out of 65 companies in the Insurance industry, placing it in the top 24.6%.
Is Hapvida Participacoes Investimento's Cash Ratio too high?
Hapvida Participacoes Investimento's current Cash Ratio of 1.32 is 43% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 1.67. The Insurance industry median Cash Ratio is 0.77. Hapvida Participacoes Investimento's value of 1.32 is 71.4% above this industry median. Based on the distribution chart, Hapvida Participacoes Investimento ranks #16 out of 65 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Hapvida Participacoes Investimento has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Hapvida Participacoes Investimento's Cash Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Hapvida Participacoes Investimento ranks #16 out of 65 companies for Cash Ratio. This places Hapvida Participacoes Investimento in the top 25% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.77. Hapvida Participacoes Investimento's value of 1.32 is 71.4% above this benchmark. Historically, Hapvida Participacoes Investimento's own Cash Ratio has ranged from 0.54 to 1.67 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 0.77, Hapvida Participacoes Investimento has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for an Insurance company?
The median Cash Ratio among Insurance companies is 0.77, based on 65 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hapvida Participacoes Investimento's current Cash Ratio of 1.32 is 71.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Hapvida Participacoes Investimento and its competitors. For the Insurance industry, the median Cash Ratio is 0.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hapvida Participacoes Investimento's current Cash Ratio is 1.32, which is 43% above median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hapvida Participacoes Investimento stock overvalued right now?
Based on GuruFocus' analysis, Hapvida Participacoes Investimento (BSP:HAPV3) is currently considered Possible Value Trap. The stock's GF Value™ is R$42.45, compared to a current price of R$6.73 — trading 84.1% below its estimated fair value. The current Cash Ratio is 1.32, which is 43% above median its 10-year median of 0.92 and 71.4% above the Insurance industry median of 0.77. Hapvida Participacoes Investimento's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Hapvida Participacoes Investimento (BSP:HAPV3), the current Cash Ratio is 1.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hapvida Participacoes Investimento (BSP:HAPV3) Overvalued in 2026?
Based on GuruFocus' analysis, Hapvida Participacoes Investimento stock appears to be undervalued.
The current stock price of R$6.73 is trading 84.1% below its estimated GF Value™ of R$42.45.
GuruFocus considers Hapvida Participacoes Investimento to be Possible Value Trap.
Key valuation signals for BSP:HAPV3:
Cash Ratio: 1.32 (43% above median its 10-year median of 0.92)
GF Value™: R$42.45 vs. price of R$6.73 (84.1% below fair value)
Industry Position: 71.4% above the Insurance median (#16 of 65)
No single metric tells the full story. See the BSP:HAPV3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hapvida Participacoes Investimento SA is the medical-hospital and dental care company. The company and its subsidiaries are mainly engaged in the sale of health insurance plans and delivering the majority of medical assistance at its own hospitals, clinics, imaging diagnostics and laboratories; and the sale of dental insurance plans for services provided by an accredited network.
67GF Score
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