Porto Seguro (BSP:PSSA3) Change In Receivables: R$-748 Mil (TTM As of Mar. 2026)

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BSP:PSSA3 Porto Seguro SA BSP:PSSA3
79 GF Score
Price R$54.70
GF Value R$44.79
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Porto Seguro Change In Receivables?

Porto Seguro BSP:PSSA3 +0.64% 79 Change In Receivables is R$-748 Mil as of Mar. 2026. GuruFocus rates BSP:PSSA3 with a GF Score™ of 79/100 and a GF Value™ of R$44.79 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Porto Seguro's change in receivables for the quarter that ended in Mar. 2026 was R$-153 Mil. It means Porto Seguro's Accounts Receivable increased by R$153 Mil from Dec. 2025 to Mar. 2026 .

Porto Seguro's change in receivables for the fiscal year that ended in Dec. 2025 was R$-660 Mil. It means Porto Seguro's Accounts Receivable increased by R$660 Mil from Dec. 2024 to Dec. 2025 .

Porto Seguro's Accounts Receivable for the quarter that ended in Mar. 2026 was R$844 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Porto Seguro's Days Sales Outstanding for the three months ended in Mar. 2026 was 6.90.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Porto Seguro's liquidation value for the three months ended in Mar. 2026 was R$-39,175 Mil.


Porto Seguro  (BSP:PSSA3) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Porto Seguro's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=844.222/11161.95*91
=6.90

2. In Ben Graham's calculation of liquidation value, Porto Seguro's accounts receivable are only considered to be worth 75% of book value:

Porto Seguro's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=1993.244-41800.953+0.75 * 844.222+0.5 * 0
=-39,175

* 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.


Porto Seguro Change In Receivables Related Terms


Porto Seguro Change In Receivables Historical Data

* Premium members only.

The historical data trend for Porto Seguro's Change In Receivables can be seen below:

* 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.

Porto Seguro Change In Receivables Chart

Porto Seguro Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1,171.85 -26.80 34.76 -71.04 -659.83

Porto Seguro Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -64.39 6.09 -9.99 -591.55 -152.64
BSP:PSSA3
79GF Score
Porto Seguro SA BSP:PSSA3
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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Porto Seguro Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$-748 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of R$-748 Mil mean?
Porto Seguro (BSP:PSSA3) has a Change In Receivables of R$-748 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Porto Seguro and its competitors.
Is Porto Seguro's Change In Receivables too high?
Porto Seguro's current Change In Receivables is R$-748 Mil. Overall, Porto Seguro has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's Change In Receivables compare to BRK.A and AIG?
Porto Seguro's Change In Receivables of R$-748 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for an Insurance company?
A good Change In Receivables depends on the Insurance industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Porto Seguro and its competitors. Porto Seguro's current Change In Receivables is R$-748 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Porto Seguro stock overvalued right now?
Based on GuruFocus' analysis, Porto Seguro (BSP:PSSA3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$44.79, compared to a current price of R$54.70 — trading 22.1% above its estimated fair value. The current Change In Receivables is R$-748 Mil. Porto Seguro's overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current Change In Receivables is R$-748 Mil as of Mar. 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 Porto Seguro (BSP:PSSA3) Overvalued in 2026?

Based on GuruFocus' analysis, Porto Seguro stock appears to be overvalued. The current stock price of R$54.70 is trading 22.1% above its estimated GF Value™ of R$44.79. GuruFocus considers Porto Seguro to be Modestly Overvalued.

Key valuation signals for BSP:PSSA3:

  • Change In Receivables: R$-748 Mil
  • GF Value™: R$44.79 vs. price of R$54.70 (22.1% above fair value)
  • GF Score™: 79/100 with 3 warning signs

No single metric tells the full story. See the BSP:PSSA3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Porto Seguro Business Description

Address Alameda Barao de Piracicaba, No. 740, 11th Floor, Block B, Rosa Garfinkel Building, Campos Eliseos, Sao Paulo, SP, BRA
Porto Seguro SA is one of Brazil's diversified insurance companies that cover vehicles and residential homes. The company operates in many verticals like Insurance, bank, services and other business activities. The company provides a wide range of services including risk underwriting analysis, bike assistance, and surveillance. The company aims to provide products that meet several market needs through the following brands: Porto Seguro, Itau Auto e Residencia, and Azul Seguros and many others.
79GF Score

Get the complete analysis for BSP:PSSA3

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

R$54.70
Price
R$44.79
GF Value