Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Hapvida Participacoes Investimento (BSP:HAPV3) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Hapvida Participacoes Investimento Forward PE Ratio Related Terms
Hapvida Participacoes Investimento Forward PE 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.
Hapvida Participacoes Investimento Forward PE Ratio Chart
Hapvida Participacoes Investimento Annual Data
Trend
2018-12
2019-12
2020-12
2021-12
2022-12
2023-12
2024-12
2025-12
Forward PE Ratio
24.94
44.25
53.48
36.76
90.91
22.88
8.84
6.16
Hapvida Participacoes Investimento Quarterly Data
2018-12
2019-03
2019-06
2019-09
2019-12
2020-06
2020-09
2020-12
2021-03
2021-06
2021-09
2021-12
2022-03
2022-06
2022-09
2022-12
2023-09
2023-12
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
24.94
24.51
31.45
36.90
44.25
49.02
44.44
53.48
53.48
63.29
43.29
36.76
47.39
22.17
59.52
90.91
24.75
22.88
8.84
10.31
11.68
9.62
6.16
6.13
BSP:HAPV3 vs AFL, MET, PRU: Forward PE Ratio Comparison
For the Insurance - Life subindustry, Hapvida Participacoes Investimento's Forward PE Ratio, along with its competitors' market caps and Forward PE 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.
Hapvida Participacoes Investimento Forward PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Hapvida Participacoes Investimento's Forward PE Ratio falls into.
Hapvida Participacoes Investimento Forward PE Ratio Calculation
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Hapvida Participacoes Investimento (BSP:HAPV3) has a Forward PE Ratio of 12.87 as of Jul. 28, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Hapvida Participacoes Investimento and its competitors. According to the industry distribution chart, Hapvida Participacoes Investimento ranks #157 out of 275 companies in the Insurance industry, placing it in the top 57.1%.
Is Hapvida Participacoes Investimento's Forward PE Ratio too high?
Hapvida Participacoes Investimento's current Forward PE Ratio is 12.87. The Insurance industry median Forward PE Ratio is 11.82. Hapvida Participacoes Investimento's value of 12.87 is 8.9% above this industry median. Based on the distribution chart, Hapvida Participacoes Investimento ranks #157 out of 275 companies in the Insurance industry, which is below the industry midpoint. Overall, Hapvida Participacoes Investimento has a GF Score™ of 68/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Hapvida Participacoes Investimento's Forward PE Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Hapvida Participacoes Investimento ranks #157 out of 275 companies for Forward PE Ratio. This places Hapvida Participacoes Investimento in the lower half of its industry. The industry median Forward PE Ratio is 11.82. Hapvida Participacoes Investimento's value of 12.87 is 8.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for an Insurance company?
The median Forward PE Ratio among Insurance companies is 11.82, based on 275 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hapvida Participacoes Investimento's current Forward PE Ratio of 12.87 is 8.9% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Hapvida Participacoes Investimento and its competitors. For the Insurance industry, the median Forward PE Ratio is 11.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hapvida Participacoes Investimento's current Forward PE Ratio is 12.87. 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$54.75, compared to a current price of R$10.19 — trading 81.4% below its estimated fair value. The current Forward PE Ratio is 12.87 and 8.9% above the Insurance industry median of 11.82. Hapvida Participacoes Investimento's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Hapvida Participacoes Investimento (BSP:HAPV3), the current Forward PE Ratio is 12.87 as of Jul. 28, 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$10.19 is trading 81.4% below its estimated GF Value™ of R$54.75.
GuruFocus considers Hapvida Participacoes Investimento to be Possible Value Trap.
Key valuation signals for BSP:HAPV3:
Forward PE Ratio: 12.87
GF Value™: R$54.75 vs. price of R$10.19 (81.4% below fair value)
Industry Position: 8.9% above the Insurance median (#157 of 275)
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.
68GF Score
Get the complete analysis for BSP:HAPV3
Forward PE Ratio 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 
