Porto Seguro (BSP:PSSA3) Cyclically Adjusted FCF per Share: R$1.32 (As of Mar. 2026)

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BSP:PSSA3 Porto Seguro SA BSP:PSSA3
74 GF Score
Price R$55.45
GF Value R$44.88
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Porto Seguro Cyclically Adjusted FCF per Share?

Porto Seguro BSP:PSSA3 +3.68% 74 Cyclically Adjusted FCF per Share is R$1.32 as of Mar. 2026. GuruFocus rates BSP:PSSA3 with a GF Score™ of 74/100 and a GF Value™ of R$44.88 (Modestly Overvalued). 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Porto Seguro's adjusted free cash flow per share for the three months ended in Mar. 2026 was R$-0.487. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is R$1.32 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Porto Seguro's average Cyclically Adjusted FCF Growth Rate was 1.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 1.50% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 6.20% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Porto Seguro was 15.50% per year. The lowest was 1.50% per year. And the median was 9.70% per year.

As of today (2026-07-23), Porto Seguro's current stock price is R$55.45. Porto Seguro's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was R$1.32. Porto Seguro's Cyclically Adjusted Price-to-FCF of today is 42.01.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Porto Seguro was 41.77. The lowest was 11.96. And the median was 26.91.


Porto Seguro  (BSP:PSSA3) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Porto Seguro's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=55.45/1.32
=42.01

* 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 Price-to-FCF of Porto Seguro was 41.77. The lowest was 11.96. And the median was 26.91.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Porto Seguro Cyclically Adjusted FCF per Share Related Terms


Porto Seguro Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Porto Seguro's Cyclically Adjusted FCF 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.

Porto Seguro Cyclically Adjusted FCF per Share Chart

Porto Seguro Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.05 1.34 1.09 1.34 1.40

Porto Seguro Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF 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 1.30 1.41 1.34 1.40 1.32

BSP:PSSA3 vs BRK.A, AIG, HIG: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Diversified subindustry, Porto Seguro's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Porto Seguro Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Porto Seguro's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Porto Seguro's Cyclically Adjusted Price-to-FCF falls into.


BSP:PSSA3
74GF Score
Porto Seguro SA BSP:PSSA3
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Porto Seguro Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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, Porto Seguro's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.487/175.0655*175.0655
=-0.487

Current CPI (Mar. 2026) = 175.0655.

Porto Seguro Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.955 108.851 -1.536
201609 0.645 109.986 1.027
201612 0.209 110.802 0.330
201703 -0.457 111.869 -0.715
201706 1.092 112.115 1.705
201709 1.274 112.777 1.978
201712 -0.786 114.068 -1.206
201803 -0.647 114.868 -0.986
201806 1.185 117.038 1.773
201809 -0.302 117.881 -0.448
201812 0.751 118.340 1.111
201903 -0.180 120.124 -0.262
201906 1.936 120.977 2.802
201909 -0.516 121.292 -0.745
201912 -0.049 123.436 -0.069
202003 0.993 124.092 1.401
202006 4.558 123.557 6.458
202009 -2.342 125.095 -3.278
202012 -1.932 129.012 -2.622
202103 -0.090 131.660 -0.120
202106 0.274 133.871 0.358
202109 0.728 137.913 0.924
202112 0.213 141.992 0.263
202203 0.308 146.537 0.368
202206 1.761 149.784 2.058
202209 -2.350 147.800 -2.784
202212 1.137 150.207 1.325
202303 -2.052 153.352 -2.343
202306 0.841 154.519 0.953
202309 4.286 155.464 4.826
202312 -3.478 157.148 -3.875
202403 0.984 159.372 1.081
202406 -0.149 161.052 -0.162
202409 -0.209 162.342 -0.225
202412 2.662 164.740 2.829
202503 -0.009 168.102 -0.009
202506 0.567 169.670 0.585
202509 -0.682 170.739 -0.699
202512 1.614 171.765 1.645
202603 -0.487 175.066 -0.487

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of R$1.32 mean?
Porto Seguro (BSP:PSSA3) has a Cyclically Adjusted FCF per Share of R$1.32 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Porto Seguro and its competitors.
Is Porto Seguro's Cyclically Adjusted FCF per Share too high?
Porto Seguro's current Cyclically Adjusted FCF per Share is R$1.32. Overall, Porto Seguro has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's Cyclically Adjusted FCF per Share compare to BRK.A and AIG?
Porto Seguro's Cyclically Adjusted FCF per Share of R$1.32 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 Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Porto Seguro and its competitors. Porto Seguro's current Cyclically Adjusted FCF per Share is R$1.32. 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$44.88, compared to a current price of R$55.45 — trading 23.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is R$1.32. Porto Seguro's overall GF Score™ is 74/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current Cyclically Adjusted FCF per Share is R$1.32 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$55.45 is trading 23.6% above its estimated GF Value™ of R$44.88. GuruFocus considers Porto Seguro to be Modestly Overvalued.

Key valuation signals for BSP:PSSA3:

  • Cyclically Adjusted FCF per Share: R$1.32
  • GF Value™: R$44.88 vs. price of R$55.45 (23.6% above fair value)
  • GF Score™: 74/100 with 4 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.
74GF Score

Get the complete analysis for BSP:PSSA3

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

R$55.45
Price
R$44.88
GF Value