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BSP:QUAL3's Cyclically Adjusted PB Ratio is ranked better than 92.31% of 13
companies
in the Healthcare Plans industry
Industry Median: 2.34
vs BSP:QUAL3: 0.20
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 adjusted book value per share data 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.
Shiller PE for Stocks: The True Measure of Stock Valuation
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted PB Ratio Related Terms
Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted PB 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.
Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted PB Ratio Chart
Qualicorp Consultoria E Corretora De Seguros Annual Data
BSP:QUAL3 vs UNH, CVS, ELV: Cyclically Adjusted PB Ratio 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
Qualicorp Consultoria E Corretora De Seguros Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 0.19 mean?
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) has a Cyclically Adjusted PB Ratio of 0.19 as of Aug. 14, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a 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. This is 62% below median its historical median of 0.50. Over the past decade, Qualicorp Consultoria E Corretora De Seguros' Cyclically Adjusted PB Ratio has ranged from 0.15 to 4.72. According to the industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #1 out of 13 companies in the Healthcare Plans industry, placing it in the top 7.7%.
Is Qualicorp Consultoria E Corretora De Seguros' Cyclically Adjusted PB Ratio too high?
Qualicorp Consultoria E Corretora De Seguros' current Cyclically Adjusted PB Ratio of 0.19 is 62% below median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 4.72. The Healthcare Plans industry median Cyclically Adjusted PB Ratio is 2.34. Qualicorp Consultoria E Corretora De Seguros' value of 0.19 is 91.9% below this industry median. Based on the distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #1 out of 13 companies in the Healthcare Plans industry, which is in the top quartile — a strong position relative to peers. Overall, Qualicorp Consultoria E Corretora De Seguros has a GF Score™ of 67/100 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 PB Ratio compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #1 out of 13 companies for Cyclically Adjusted PB Ratio. This places Qualicorp Consultoria E Corretora De Seguros in the top 8% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PB Ratio is 2.34. Qualicorp Consultoria E Corretora De Seguros' value of 0.19 is 91.9% below this benchmark. Historically, Qualicorp Consultoria E Corretora De Seguros' own Cyclically Adjusted PB Ratio has ranged from 0.15 to 4.72 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 2.34, Qualicorp Consultoria E Corretora De Seguros has consistently been below 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 Cyclically Adjusted PB Ratio for a Healthcare Plans company?
The median Cyclically Adjusted PB Ratio among Healthcare Plans companies is 2.34, based on 13 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qualicorp Consultoria E Corretora De Seguros's current Cyclically Adjusted PB Ratio of 0.19 is 91.9% below 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a 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. For the Healthcare Plans industry, the median Cyclically Adjusted PB Ratio is 2.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qualicorp Consultoria E Corretora De Seguros's current Cyclically Adjusted PB Ratio is 0.19, which is 62% below median its own 10-year median of 0.50. 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$1.85, compared to a current price of R$1.59 — trading 14.1% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.19, which is 62% below median its 10-year median of 0.50 and 91.9% below the Healthcare Plans industry median of 2.34. Qualicorp Consultoria E Corretora De Seguros' overall GF Score™ is 67/100 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 PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3), the current Cyclically Adjusted PB Ratio is 0.19 as of Aug. 14, 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$1.59 is trading 14.1% below its estimated GF Value™ of R$1.85.
GuruFocus considers Qualicorp Consultoria E Corretora De Seguros to be Modestly Undervalued.
Key valuation signals for BSP:QUAL3:
Cyclically Adjusted PB Ratio: 0.19 (62% below median its 10-year median of 0.50)
GF Value™: R$1.85 vs. price of R$1.59 (14.1% below fair value)
Industry Position: 91.9% below the Healthcare Plans median (#1 of 13)
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 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.
67GF Score
Get the complete analysis for BSP:QUAL3
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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