Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) Cyclically Adjusted Book per Share: R$8.25 (As of Mar. 2026)

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BSP:QUAL3 Qualicorp Consultoria E Corretora De Seguros SA BSP:QUAL3
68 GF Score
Price R$1.39
GF Value R$1.87
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted Book per Share?

Qualicorp Consultoria E Corretora De Seguros BSP:QUAL3 -9.15% 68 Cyclically Adjusted Book per Share is R$8.25 as of Mar. 2026. GuruFocus rates BSP:QUAL3 with a GF Score™ of 68/100 and a GF Value™ of R$1.87 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Qualicorp Consultoria E Corretora De Seguros's adjusted book value per share for the three months ended in Mar. 2026 was R$4.633. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is R$8.25 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Qualicorp Consultoria E Corretora De Seguros's average Cyclically Adjusted Book Growth Rate was -5.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -5.40% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was -3.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Qualicorp Consultoria E Corretora De Seguros was 1.70% per year. The lowest was -5.40% per year. And the median was -2.90% per year.

As of today (2026-07-23), Qualicorp Consultoria E Corretora De Seguros's current stock price is R$1.39. Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was R$8.25. Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted PB Ratio of today is 0.17.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Qualicorp Consultoria E Corretora De Seguros was 4.72. The lowest was 0.15. And the median was 0.52.


Qualicorp Consultoria E Corretora De Seguros  (BSP:QUAL3) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=1.39/8.25
=0.17

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Qualicorp Consultoria E Corretora De Seguros was 4.72. The lowest was 0.15. And the median was 0.52.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted Book per Share Related Terms


Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted Book per Share 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.

Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted Book per Share Chart

Qualicorp Consultoria E Corretora De Seguros Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.11 9.80 9.36 8.83 8.30

Qualicorp Consultoria E Corretora De Seguros Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share 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 8.75 8.57 8.44 8.30 8.25

BSP:QUAL3 vs UNH, CVS, ELV: Cyclically Adjusted Book per Share Comparison

For the Healthcare Plans subindustry, Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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.


Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted PB Ratio vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted PB Ratio falls into.


BSP:QUAL3
68GF Score
Qualicorp Consultoria E Corretora De Seguros SA BSP:QUAL3
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Qualicorp Consultoria E Corretora De Seguros's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=4.633/175.0655*175.0655
=4.633

Current CPI (Mar. 2026) = 175.0655.

Qualicorp Consultoria E Corretora De Seguros Quarterly Data

Book Value per Share CPI Adj_Book
201606 7.684 108.851 12.358
201609 8.091 109.986 12.878
201612 7.489 110.802 11.833
201703 7.899 111.869 12.361
201706 7.854 112.115 12.264
201709 7.959 112.777 12.355
201712 8.290 114.068 12.723
201803 8.087 114.868 12.325
201806 7.701 117.038 11.519
201809 8.090 117.881 12.014
201812 8.393 118.340 12.416
201903 8.739 120.124 12.736
201906 8.476 120.977 12.266
201909 8.281 121.292 11.952
201912 5.003 123.436 7.096
202003 5.334 124.092 7.525
202006 5.787 123.557 8.199
202009 6.258 125.095 8.758
202012 5.935 129.012 8.054
202103 6.347 131.660 8.439
202106 5.951 133.871 7.782
202109 6.021 137.913 7.643
202112 4.559 141.992 5.621
202203 4.835 146.537 5.776
202206 5.019 149.784 5.866
202209 5.200 147.800 6.159
202212 4.835 150.207 5.635
202303 4.896 153.352 5.589
202306 4.948 154.519 5.606
202309 4.757 155.464 5.357
202312 4.549 157.148 5.068
202403 4.614 159.372 5.068
202406 4.675 161.052 5.082
202409 4.684 162.342 5.051
202412 4.558 164.740 4.844
202503 4.613 168.102 4.804
202506 4.645 169.670 4.793
202509 4.682 170.739 4.801
202512 4.544 171.765 4.631
202603 4.633 175.066 4.633

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of R$8.25 mean?
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) has a Cyclically Adjusted Book per Share of R$8.25 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors.
Is Qualicorp Consultoria E Corretora De Seguros' Cyclically Adjusted Book per Share too high?
Qualicorp Consultoria E Corretora De Seguros' current Cyclically Adjusted Book per Share is R$8.25. Overall, Qualicorp Consultoria E Corretora De Seguros has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qualicorp Consultoria E Corretora De Seguros' Cyclically Adjusted Book per Share compare to UNH and CVS?
Qualicorp Consultoria E Corretora De Seguros' Cyclically Adjusted Book per Share of R$8.25 can be compared against companies in the Healthcare Plans industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Healthcare Plans company?
A good Cyclically Adjusted Book per Share depends on the Healthcare Plans industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors. Qualicorp Consultoria E Corretora De Seguros's current Cyclically Adjusted Book per Share is R$8.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qualicorp Consultoria E Corretora De Seguros stock overvalued right now?
Based on GuruFocus' analysis, Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) is currently considered Modestly Undervalued. The stock's GF Value™ is R$1.87, compared to a current price of R$1.39 — trading 25.7% below its estimated fair value. The current Cyclically Adjusted Book per Share is R$8.25. Qualicorp Consultoria E Corretora De Seguros' overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3), the current Cyclically Adjusted Book per Share is R$8.25 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 Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) Overvalued in 2026?

Based on GuruFocus' analysis, Qualicorp Consultoria E Corretora De Seguros stock appears to be undervalued. The current stock price of R$1.39 is trading 25.7% below its estimated GF Value™ of R$1.87. GuruFocus considers Qualicorp Consultoria E Corretora De Seguros to be Modestly Undervalued.

Key valuation signals for BSP:QUAL3:

  • Cyclically Adjusted Book per Share: R$8.25
  • GF Value™: R$1.87 vs. price of R$1.39 (25.7% below fair value)
  • GF Score™: 68/100 with 4 warning signs

No single metric tells the full story. See the BSP:QUAL3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Qualicorp Consultoria E Corretora De Seguros Business Description

Address Avenida Paulista, No. 1106, 12th Floor, Bela Vista, Sao Paulo, SP, BRA, 01310-100
Qualicorp Consultoria e Corretora de Seguros SA is principally engaged in holding equity interests in other companies and business enterprises of any nature, and the provision of insurance brokerage, agency, consulting, and management services. Along with its subsidiaries, it is involved in the administration, management, and sale of group health plans by membership. The Group has only one reportable segment: the Affinity segment, which is engaged in the support, management, stipulation, brokerage, and intermediation of group plans for members of professional associations such as unions, associations, regional councils, etc.
68GF Score

Get the complete analysis for BSP:QUAL3

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$1.39
Price
R$1.87
GF Value