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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
BSP:HAPV3'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.3 Max: 0.64
Current: 0.32
During the past 12 years, the highest Debt-to-Equity Ratio of Hapvida Participacoes Investimento was 0.64. The lowest was 0.01. And the median was 0.30.
BSP:HAPV3's Debt-to-Equity is ranked worse than 65.26% of 403
companies
in the Insurance industry
Industry Median: 0.21
vs BSP:HAPV3: 0.32
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Hapvida Participacoes Investimento Debt-to-Equity Related Terms
Hapvida Participacoes Investimento Debt-to-Equity 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.
BSP:HAPV3 vs AFL, MET, PRU: Debt-to-Equity Comparison
For the Insurance - Life subindustry, Hapvida Participacoes Investimento's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
Hapvida Participacoes Investimento Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Hapvida Participacoes Investimento's Debt-to-Equity falls into.
* 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.
Hapvida Participacoes Investimento (BSP:HAPV3) has a Debt-to-Equity of 0.32 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hapvida Participacoes Investimento and its competitors. This is near median its historical median of 0.30. Over the past decade, Hapvida Participacoes Investimento's Debt-to-Equity has ranged from 0.01 to 0.64. According to the industry distribution chart, Hapvida Participacoes Investimento ranks #263 out of 403 companies in the Insurance industry, placing it in the top 65.3%.
Is Hapvida Participacoes Investimento's Debt-to-Equity too high?
Hapvida Participacoes Investimento's current Debt-to-Equity of 0.32 is near median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.64. The Insurance industry median Debt-to-Equity is 0.21. Hapvida Participacoes Investimento's value of 0.32 is 52.4% above this industry median. Based on the distribution chart, Hapvida Participacoes Investimento ranks #263 out of 403 companies in the Insurance industry, which is below the industry midpoint. Overall, Hapvida Participacoes Investimento has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Hapvida Participacoes Investimento's Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, Hapvida Participacoes Investimento ranks #263 out of 403 companies for Debt-to-Equity. This places Hapvida Participacoes Investimento in the lower half of its industry. The industry median Debt-to-Equity is 0.21. Hapvida Participacoes Investimento's value of 0.32 is 52.4% above this benchmark. Historically, Hapvida Participacoes Investimento's own Debt-to-Equity has ranged from 0.01 to 0.64 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.21, Hapvida Participacoes Investimento has consistently been above 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 Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hapvida Participacoes Investimento's current Debt-to-Equity of 0.32 is 52.4% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hapvida Participacoes Investimento and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hapvida Participacoes Investimento's current Debt-to-Equity is 0.32, which is near median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hapvida Participacoes Investimento stock overvalued right now?
Based on GuruFocus' analysis, Hapvida Participacoes Investimento (BSP:HAPV3) is currently considered Possible Value Trap. The stock's GF Value™ is R$42.45, compared to a current price of R$6.73 — trading 84.1% below its estimated fair value. The current Debt-to-Equity is 0.32, which is near median its 10-year median of 0.30 and 52.4% above the Insurance industry median of 0.21. Hapvida Participacoes Investimento's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Hapvida Participacoes Investimento (BSP:HAPV3), the current Debt-to-Equity is 0.32 as of Jun. 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 Hapvida Participacoes Investimento (BSP:HAPV3) Overvalued in 2026?
Based on GuruFocus' analysis, Hapvida Participacoes Investimento stock appears to be undervalued.
The current stock price of R$6.73 is trading 84.1% below its estimated GF Value™ of R$42.45.
GuruFocus considers Hapvida Participacoes Investimento to be Possible Value Trap.
Key valuation signals for BSP:HAPV3:
Debt-to-Equity: 0.32 (near median its 10-year median of 0.30)
GF Value™: R$42.45 vs. price of R$6.73 (84.1% below fair value)
Industry Position: 52.4% above the Insurance median (#263 of 403)
No single metric tells the full story. See the BSP:HAPV3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hapvida Participacoes Investimento SA is the medical-hospital and dental care company. The company and its subsidiaries are mainly engaged in the sale of health insurance plans and delivering the majority of medical assistance at its own hospitals, clinics, imaging diagnostics and laboratories; and the sale of dental insurance plans for services provided by an accredited network.
67GF Score
Get the complete analysis for BSP:HAPV3
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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