Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) Cyclically Adjusted FCF per Share: R$1.68 (As of Mar. 2026)

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BSP:QUAL3 Qualicorp Consultoria E Corretora De Seguros SA BSP:QUAL3
68 GF Score
Price R$1.45
GF Value R$1.86
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted FCF per Share?

Qualicorp Consultoria E Corretora De Seguros BSP:QUAL3 +2.84% 68 Cyclically Adjusted FCF per Share is R$1.68 as of Mar. 2026. GuruFocus rates BSP:QUAL3 with a GF Score™ of 68/100 and a GF Value™ of R$1.86 (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 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.

Qualicorp Consultoria E Corretora De Seguros's adjusted free cash flow per share for the three months ended in Mar. 2026 was R$0.401. 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$1.68 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Qualicorp Consultoria E Corretora De Seguros's average Cyclically Adjusted FCF Growth Rate was -7.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -2.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 2.20% 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 Qualicorp Consultoria E Corretora De Seguros was 10.20% per year. The lowest was -2.70% per year. And the median was 4.40% per year.

As of today (2026-07-29), Qualicorp Consultoria E Corretora De Seguros's current stock price is R$1.45. Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was R$1.68. Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted Price-to-FCF of today is 0.86.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Qualicorp Consultoria E Corretora De Seguros was 33.07. The lowest was 0.74. And the median was 2.77.


Qualicorp Consultoria E Corretora De Seguros  (BSP:QUAL3) 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.

Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1.45/1.68
=0.86

* 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 Qualicorp Consultoria E Corretora De Seguros was 33.07. The lowest was 0.74. And the median was 2.77.


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.


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


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

* Premium members only.

The historical data trend for Qualicorp Consultoria E Corretora De Seguros'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.

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

Qualicorp Consultoria E Corretora De Seguros 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 1.70 1.78 1.79 1.78 1.64

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 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 1.82 1.72 1.74 1.64 1.68

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

For the Healthcare Plans subindustry, Qualicorp Consultoria E Corretora De Seguros'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.


Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted Price-to-FCF vs Healthcare Plans Industry

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

* The bar in red indicates where Qualicorp Consultoria E Corretora De Seguros's Cyclically Adjusted Price-to-FCF falls into.


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

Qualicorp Consultoria E Corretora De Seguros 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, Qualicorp Consultoria E Corretora De Seguros'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)
=0.401/175.0655*175.0655
=0.401

Current CPI (Mar. 2026) = 175.0655.

Qualicorp Consultoria E Corretora De Seguros Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.438 108.851 0.704
201609 0.586 109.986 0.933
201612 0.423 110.802 0.668
201703 0.818 111.869 1.280
201706 0.235 112.115 0.367
201709 0.638 112.777 0.990
201712 -0.208 114.068 -0.319
201803 0.833 114.868 1.270
201806 0.225 117.038 0.337
201809 0.691 117.881 1.026
201812 -0.456 118.340 -0.675
201903 0.888 120.124 1.294
201906 0.464 120.977 0.671
201909 0.367 121.292 0.530
201912 0.698 123.436 0.990
202003 0.478 124.092 0.674
202006 0.771 123.557 1.092
202009 0.599 125.095 0.838
202012 0.052 129.012 0.071
202103 0.497 131.660 0.661
202106 -0.213 133.871 -0.279
202109 0.175 137.913 0.222
202112 0.289 141.992 0.356
202203 0.061 146.537 0.073
202206 0.047 149.784 0.055
202209 0.301 147.800 0.357
202212 -0.040 150.207 -0.047
202303 0.588 153.352 0.671
202306 0.036 154.519 0.041
202309 0.449 155.464 0.506
202312 -0.177 157.148 -0.197
202403 0.480 159.372 0.527
202406 -0.027 161.052 -0.029
202409 0.490 162.342 0.528
202412 -0.199 164.740 -0.211
202503 0.545 168.102 0.568
202506 -0.432 169.670 -0.446
202509 0.295 170.739 0.302
202512 -0.042 171.765 -0.043
202603 0.401 175.066 0.401

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$1.68 mean?
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) has a Cyclically Adjusted FCF per Share of R$1.68 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 Qualicorp Consultoria E Corretora De Seguros and its competitors.
Is Qualicorp Consultoria E Corretora De Seguros' Cyclically Adjusted FCF per Share too high?
Qualicorp Consultoria E Corretora De Seguros' current Cyclically Adjusted FCF per Share is R$1.68. 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 FCF per Share compare to UNH and CVS?
Qualicorp Consultoria E Corretora De Seguros' Cyclically Adjusted FCF per Share of R$1.68 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 FCF per Share for a Healthcare Plans company?
A good Cyclically Adjusted FCF per Share depends on the Healthcare Plans 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 Qualicorp Consultoria E Corretora De Seguros and its competitors. Qualicorp Consultoria E Corretora De Seguros's current Cyclically Adjusted FCF per Share is R$1.68. 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$1.86, compared to a current price of R$1.45 — trading 22% below its estimated fair value. The current Cyclically Adjusted FCF per Share is R$1.68. 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3), the current Cyclically Adjusted FCF per Share is R$1.68 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$1.45 is trading 22% below its estimated GF Value™ of R$1.86. GuruFocus considers Qualicorp Consultoria E Corretora De Seguros to be Modestly Undervalued.

Key valuation signals for BSP:QUAL3:

  • Cyclically Adjusted FCF per Share: R$1.68
  • GF Value™: R$1.86 vs. price of R$1.45 (22% 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 FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$1.45
Price
R$1.86
GF Value