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Porto SeguroBSP:PSSA3 -0.36%79 3-Year EBITDA Growth Rate is 37.80% as of Jun. 2026, which is 418% above its 10-year median of 7.30. GuruFocus rates BSP:PSSA3 with a GF Score™ of 79/100 and a GF Value™ of R$46.80 (Fairly Valued). The stock has 1 warning sign investors should review. Among 292 Insurance companies, Porto Seguro ranks better than 78.42% on this metric.
During the past 12 months, Porto Seguro's average EBITDA Per Share Growth Rate was 3.90% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 37.80% 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 average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Porto Seguro was 37.80% per year. The lowest was -11.90% per year. And the median was 7.30% per year.
Porto Seguro (BSP:PSSA3) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Porto Seguro 3-Year EBITDA Growth Rate Related Terms
BSP:PSSA3 vs BRK.A, AIG, HIG: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Diversified subindustry, Porto Seguro's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Porto Seguro's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Porto Seguro's 3-Year EBITDA Growth Rate falls into.
Porto Seguro 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 37.80% mean?
Porto Seguro (BSP:PSSA3) has a 3-Year EBITDA Growth Rate of 37.80% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Porto Seguro and its competitors. This is 418% above median its historical median of 7.30. According to the industry distribution chart, Porto Seguro ranks #63 out of 292 companies in the Insurance industry, placing it in the top 21.6%.
Is Porto Seguro's 3-Year EBITDA Growth Rate too high?
Porto Seguro's current 3-Year EBITDA Growth Rate of 37.80% is 418% above median its 10-year median of 7.30. The Insurance industry median 3-Year EBITDA Growth Rate is 16.50. Porto Seguro's value of 37.80% is 129.1% above this industry median. Based on the distribution chart, Porto Seguro ranks #63 out of 292 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Porto Seguro has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's 3-Year EBITDA Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #63 out of 292 companies for 3-Year EBITDA Growth Rate. This places Porto Seguro in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 16.50. Porto Seguro's value of 37.80% is 129.1% above this benchmark. While the company's 10-year median is 7.30 vs. the industry median of 16.50, Porto Seguro 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 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 16.50, based on 292 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porto Seguro's current 3-Year EBITDA Growth Rate of 37.80% is 129.1% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Porto Seguro and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 16.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porto Seguro's current 3-Year EBITDA Growth Rate is 37.80%, which is 418% above median its own 10-year median of 7.30. 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 Fairly Valued. The stock's GF Value™ is R$46.80, compared to a current price of R$46.58 — trading 0.5% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 37.80%, which is 418% above median its 10-year median of 7.30 and 129.1% above the Insurance industry median of 16.50. Porto Seguro's overall GF Score™ is 79/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current 3-Year EBITDA Growth Rate is 37.80% 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 Porto Seguro (BSP:PSSA3) Overvalued in 2026?
Based on GuruFocus' analysis, Porto Seguro stock appears to be undervalued.
The current stock price of R$46.58 is trading 0.5% below its estimated GF Value™ of R$46.80.
GuruFocus considers Porto Seguro to be Fairly Valued.
Key valuation signals for BSP:PSSA3:
3-Year EBITDA Growth Rate: 37.80% (418% above median its 10-year median of 7.30)
GF Value™: R$46.80 vs. price of R$46.58 (0.5% below fair value)
Industry Position: 129.1% above the Insurance median (#63 of 292)
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 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.
79GF Score
Get the complete analysis for BSP:PSSA3
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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