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.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Qualicorp Consultoria E Corretora De Seguros's
Operating Income
for the
three
months ended in Mar. 2026 was R$134 Mil. Qualicorp Consultoria E Corretora De Seguros's Interest Expense for the
three
months ended in Mar. 2026 was R$-68 Mil.
Qualicorp Consultoria E Corretora De Seguros's interest coverage for the quarter that ended in Mar. 2026 was 1.98.
The higher the ratio, the stronger the company's financial strength is.
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Qualicorp Consultoria E Corretora De Seguros Interest Coverage Related Terms
Qualicorp Consultoria E Corretora De Seguros Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Qualicorp Consultoria E Corretora De Seguros Interest Coverage Chart
Qualicorp Consultoria E Corretora De Seguros Annual Data
BSP:QUAL3 vs UNH, CVS, ELV: Interest Coverage Comparison
For the Healthcare Plans subindustry, Qualicorp Consultoria E Corretora De Seguros's Interest Coverage, along with its competitors' market caps and Interest Coverage 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.
Qualicorp Consultoria E Corretora De Seguros Interest Coverage vs Healthcare Plans Industry
Qualicorp Consultoria E Corretora De Seguros Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) has a Interest Coverage of 1.98 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors. This is 75% below median its historical median of 8.04. Over the past decade, Qualicorp Consultoria E Corretora De Seguros' Interest Coverage has ranged from 0.71 to 12.73. According to the industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #13 out of 15 companies in the Healthcare Plans industry, placing it in the top 86.7%.
Is Qualicorp Consultoria E Corretora De Seguros' Interest Coverage too high?
Qualicorp Consultoria E Corretora De Seguros' current Interest Coverage of 1.98 is 75% below median its 10-year median of 8.04. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 12.73. The Healthcare Plans industry median Interest Coverage is 4.55. Qualicorp Consultoria E Corretora De Seguros' value of 1.98 is 56.5% below this industry median. Based on the distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #13 out of 15 companies in the Healthcare Plans industry, which is in the bottom quartile relative to peers. Overall, Qualicorp Consultoria E Corretora De Seguros has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qualicorp Consultoria E Corretora De Seguros' Interest Coverage compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #13 out of 15 companies for Interest Coverage. This places Qualicorp Consultoria E Corretora De Seguros in the lower half of its industry. The industry median Interest Coverage is 4.55. Qualicorp Consultoria E Corretora De Seguros' value of 1.98 is 56.5% below this benchmark. Historically, Qualicorp Consultoria E Corretora De Seguros' own Interest Coverage has ranged from 0.71 to 12.73 over the past decade. While the company's 10-year median is 8.04 vs. the industry median of 4.55, Qualicorp Consultoria E Corretora De Seguros 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 Interest Coverage for a Healthcare Plans company?
The median Interest Coverage among Healthcare Plans companies is 4.55, based on 15 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qualicorp Consultoria E Corretora De Seguros's current Interest Coverage of 1.98 is 56.5% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors. For the Healthcare Plans industry, the median Interest Coverage is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qualicorp Consultoria E Corretora De Seguros's current Interest Coverage is 1.98, which is 75% below median its own 10-year median of 8.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qualicorp Consultoria E Corretora De Seguros stock overvalued right now?
Based on GuruFocus' analysis, Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) is currently considered Modestly Undervalued. The stock's GF Value™ is R$1.87, compared to a current price of R$1.53 — trading 18.2% below its estimated fair value. The current Interest Coverage is 1.98, which is 75% below median its 10-year median of 8.04 and 56.5% below the Healthcare Plans industry median of 4.55. Qualicorp Consultoria E Corretora De Seguros' overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3), the current Interest Coverage is 1.98 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 Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) Overvalued in 2026?
Based on GuruFocus' analysis, Qualicorp Consultoria E Corretora De Seguros stock appears to be undervalued.
The current stock price of R$1.53 is trading 18.2% below its estimated GF Value™ of R$1.87.
GuruFocus considers Qualicorp Consultoria E Corretora De Seguros to be Modestly Undervalued.
Key valuation signals for BSP:QUAL3:
Interest Coverage: 1.98 (75% below median its 10-year median of 8.04)
GF Value™: R$1.87 vs. price of R$1.53 (18.2% below fair value)
Industry Position: 56.5% below the Healthcare Plans median (#13 of 15)
No single metric tells the full story. See the BSP:QUAL3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qualicorp Consultoria E Corretora De Seguros Business Description
Qualicorp Consultoria e Corretora de Seguros SA is principally engaged in holding equity interests in other companies and business enterprises of any nature, and the provision of insurance brokerage, agency, consulting, and management services. Along with its subsidiaries, it is involved in the administration, management, and sale of group health plans by membership. The Group has only one reportable segment: the Affinity segment, which is engaged in the support, management, stipulation, brokerage, and intermediation of group plans for members of professional associations such as unions, associations, regional councils, etc.
68GF Score
Get the complete analysis for BSP:QUAL3
Interest Coverage 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:QUAL3 has been successfully added to your 
