Porto SeguroBSP:PSSA3 -0.71%74 EV-to-FCF is 50.36 as of Jul. 01, 2026, which is 228% above its 10-year median of 15.34. GuruFocus rates BSP:PSSA3 with a GF Score™ of 74/100 and a GF Value™ of R$45.13 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 396 Insurance companies, Porto Seguro ranks worse than 93.18% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Porto Seguro's Enterprise Value is R$32,886 Mil.
Porto Seguro's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was R$653 Mil. Therefore, Porto Seguro's EV-to-FCF for today is 50.36.
The historical rank and industry rank for Porto Seguro's EV-to-FCF or its related term are showing as below:
BSP:PSSA3'
s EV-to-FCF Range Over the Past 10 Years
Min: -835.9 Med: 15.34 Max: 192.53
Current: 50.7
During the past 13 years, the highest EV-to-FCF of Porto Seguro was 192.53. The lowest was -835.90. And the median was 15.34.
BSP:PSSA3's EV-to-FCF is ranked worse than 93.18% of 396
companies
in the Insurance industry
Industry Median: 9.305
vs BSP:PSSA3: 50.70
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Porto Seguro's PE Ratio (TTM) for today is calculated as:
Porto Seguro's share price for today is R$52.92.
Porto Seguro's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$5.687.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Porto Seguro EV-to-FCF Related Terms
Porto Seguro EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Porto Seguro's EV-to-FCF 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.
BSP:PSSA3 vs BRK.A, AIG, HIG: EV-to-FCF Comparison
For the Insurance - Diversified subindustry, Porto Seguro's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Porto Seguro's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Porto Seguro's EV-to-FCF falls into.
Porto Seguro's current Enterprise Value is R$32,886 Mil.
Porto Seguro's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$653 Mil.
* 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 (BSP:PSSA3) has a EV-to-FCF of 50.36 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Porto Seguro and its competitors. This is 228% above median its historical median of 15.34. According to the industry distribution chart, Porto Seguro ranks #369 out of 396 companies in the Insurance industry, placing it in the top 93.2%.
Is Porto Seguro's EV-to-FCF too high?
Porto Seguro's current EV-to-FCF of 50.36 is 228% above median its 10-year median of 15.34. The Insurance industry median EV-to-FCF is 9.31. Porto Seguro's value of 50.36 is 441.2% above this industry median. Based on the distribution chart, Porto Seguro ranks #369 out of 396 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #369 out of 396 companies for EV-to-FCF. This places Porto Seguro in the lower half of its industry. The industry median EV-to-FCF is 9.31. Porto Seguro's value of 50.36 is 441.2% above this benchmark. While the company's 10-year median is 15.34 vs. the industry median of 9.31, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.31, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porto Seguro's current EV-to-FCF of 50.36 is 441.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Porto Seguro and its competitors. For the Insurance industry, the median EV-to-FCF is 9.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porto Seguro's current EV-to-FCF is 50.36, which is 228% above median its own 10-year median of 15.34. 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$45.13, compared to a current price of R$52.92 — trading 17.3% above its estimated fair value. The current EV-to-FCF is 50.36, which is 228% above median its 10-year median of 15.34 and 441.2% above the Insurance industry median of 9.31. Porto Seguro's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current EV-to-FCF is 50.36 as of Jul. 01, 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$52.92 is trading 17.3% above its estimated GF Value™ of R$45.13.
GuruFocus considers Porto Seguro to be Modestly Overvalued.
Key valuation signals for BSP:PSSA3:
EV-to-FCF: 50.36 (228% above median its 10-year median of 15.34)
GF Value™: R$45.13 vs. price of R$52.92 (17.3% above fair value)
Industry Position: 441.2% above the Insurance median (#369 of 396)
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.
74GF Score
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