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Porto SeguroBSP:PSSA3 +0.69%78 OCF Margin % is 12.52% as of Jun. 2026, which is 92% above its 10-year median of 6.52. GuruFocus rates BSP:PSSA3 with a GF Score™ of 78/100 and a GF Value™ of R$45.89 (Fairly Valued). The stock has 1 warning sign investors should review. Among 496 Insurance companies, Porto Seguro ranks worse than 70.16% on this metric.
The historical data trend for Porto Seguro's OCF Margin % 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: OCF Margin % Comparison
For the Insurance - Diversified subindustry, Porto Seguro's OCF Margin %, along with its competitors' market caps and OCF 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.
Porto Seguro OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Porto Seguro's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Porto Seguro's OCF 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.
Porto Seguro (BSP:PSSA3) has a OCF Margin % of 12.52% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Porto Seguro and its competitors. This is 92% above median its historical median of 6.52. Over the past decade, Porto Seguro's OCF Margin % has ranged from 0.21 to 11.66. According to the industry distribution chart, Porto Seguro ranks #348 out of 496 companies in the Insurance industry, placing it in the top 70.2%.
Is Porto Seguro's OCF Margin % too high?
Porto Seguro's current OCF Margin % of 12.52% is 92% above median its 10-year median of 6.52. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 11.66. The Insurance industry median OCF Margin % is 11.06. Porto Seguro's value of 12.52% is 13.3% above this industry median. Based on the distribution chart, Porto Seguro ranks #348 out of 496 companies in the Insurance industry, which is below the industry midpoint. Overall, Porto Seguro has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's OCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #348 out of 496 companies for OCF Margin %. This places Porto Seguro in the lower half of its industry. The industry median OCF Margin % is 11.06. Porto Seguro's value of 12.52% is 13.3% above this benchmark. Historically, Porto Seguro's own OCF Margin % has ranged from 0.21 to 11.66 over the past decade. While the company's 10-year median is 6.52 vs. the industry median of 11.06, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 11.06, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porto Seguro's current OCF Margin % of 12.52% is 13.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Porto Seguro and its competitors. For the Insurance industry, the median OCF Margin % is 11.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porto Seguro's current OCF Margin % is 12.52%, which is 92% above median its own 10-year median of 6.52. 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$45.89, compared to a current price of R$49.42 — trading 7.7% above its estimated fair value. The current OCF Margin % is 12.52%, which is 92% above median its 10-year median of 6.52 and 13.3% above the Insurance industry median of 11.06. Porto Seguro's overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current OCF Margin % is 12.52% 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 overvalued.
The current stock price of R$49.42 is trading 7.7% above its estimated GF Value™ of R$45.89.
GuruFocus considers Porto Seguro to be Fairly Valued.
Key valuation signals for BSP:PSSA3:
OCF Margin %: 12.52% (92% above median its 10-year median of 6.52)
GF Value™: R$45.89 vs. price of R$49.42 (7.7% above fair value)
Industry Position: 13.3% above the Insurance median (#348 of 496)
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.
78GF Score
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