* 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: FCF Margin % Comparison
For the Insurance - Life subindustry, Hapvida Participacoes Investimento's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Hapvida Participacoes Investimento's FCF Margin % 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 FCF Margin % of 5.39% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hapvida Participacoes Investimento and its competitors. This is 25% below median its historical median of 7.14. According to the industry distribution chart, Hapvida Participacoes Investimento ranks #321 out of 501 companies in the Insurance industry, placing it in the top 64.1%.
Is Hapvida Participacoes Investimento's FCF Margin % too high?
Hapvida Participacoes Investimento's current FCF Margin % of 5.39% is 25% below median its 10-year median of 7.14. The Insurance industry median FCF Margin % is 9.60. Hapvida Participacoes Investimento's value of 5.39% is 43.9% below this industry median. Based on the distribution chart, Hapvida Participacoes Investimento ranks #321 out of 501 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 FCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Hapvida Participacoes Investimento ranks #321 out of 501 companies for FCF Margin %. This places Hapvida Participacoes Investimento in the lower half of its industry. The industry median FCF Margin % is 9.60. Hapvida Participacoes Investimento's value of 5.39% is 43.9% below this benchmark. While the company's 10-year median is 7.14 vs. the industry median of 9.60, Hapvida Participacoes Investimento 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hapvida Participacoes Investimento's current FCF Margin % of 5.39% is 43.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hapvida Participacoes Investimento and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hapvida Participacoes Investimento's current FCF Margin % is 5.39%, which is 25% below median its own 10-year median of 7.14. 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$54.47, compared to a current price of R$10.12 — trading 81.4% below its estimated fair value. The current FCF Margin % is 5.39%, which is 25% below median its 10-year median of 7.14 and 43.9% below the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Hapvida Participacoes Investimento (BSP:HAPV3), the current FCF Margin % is 5.39% 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 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$10.12 is trading 81.4% below its estimated GF Value™ of R$54.47.
GuruFocus considers Hapvida Participacoes Investimento to be Possible Value Trap.
Key valuation signals for BSP:HAPV3:
FCF Margin %: 5.39% (25% below median its 10-year median of 7.14)
GF Value™: R$54.47 vs. price of R$10.12 (81.4% below fair value)
Industry Position: 43.9% below the Insurance median (#321 of 501)
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 Business Description
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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:HAPV3 has been successfully added to your 
