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BSP:HAPV3'
s PB Ratio Range Over the Past 10 Years
Min: 0.09 Med: 1.16 Max: 29.74
Current: 0.1
During the past 12 years, Hapvida Participacoes Investimento's highest PB Ratio was 29.74. The lowest was 0.09. And the median was 1.16.
BSP:HAPV3's PB Ratio is ranked better than 99.6% of 500
companies
in the Insurance industry
Industry Median: 1.395
vs BSP:HAPV3: 0.10
During the past 12 months, Hapvida Participacoes Investimento's average Book Value Per Share Growth Rate was 2.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 27.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 59.80% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Hapvida Participacoes Investimento was 144.90% per year. The lowest was -0.80% per year. And the median was 46.50% per year.
Back to Basics: PB Ratio
Hapvida Participacoes Investimento (BSP:HAPV3) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Hapvida Participacoes Investimento PB Ratio Related Terms
Hapvida Participacoes Investimento PB 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.
For the Insurance - Life subindustry, Hapvida Participacoes Investimento's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's PB Ratio distribution charts can be found below:
* The bar in red indicates where Hapvida Participacoes Investimento's PB Ratio falls into.
Hapvida Participacoes Investimento PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Hapvida Participacoes Investimento (BSP:HAPV3) has a PB Ratio of 0.10 as of Jul. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hapvida Participacoes Investimento and its competitors. This is 91% below median its historical median of 1.16. Over the past decade, Hapvida Participacoes Investimento's PB Ratio has ranged from 0.09 to 29.74. According to the industry distribution chart, Hapvida Participacoes Investimento ranks #2 out of 500 companies in the Insurance industry, placing it in the top 0.40000000000001%.
Is Hapvida Participacoes Investimento's PB Ratio too high?
Hapvida Participacoes Investimento's current PB Ratio of 0.10 is 91% below median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 29.74. The Insurance industry median PB Ratio is 1.40. Hapvida Participacoes Investimento's value of 0.10 is 92.8% below this industry median. Based on the distribution chart, Hapvida Participacoes Investimento ranks #2 out of 500 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Hapvida Participacoes Investimento ranks #2 out of 500 companies for PB Ratio. This places Hapvida Participacoes Investimento in the top 0% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.40. Hapvida Participacoes Investimento's value of 0.10 is 92.8% below this benchmark. Historically, Hapvida Participacoes Investimento's own PB Ratio has ranged from 0.09 to 29.74 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 1.40, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hapvida Participacoes Investimento's current PB Ratio of 0.10 is 92.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hapvida Participacoes Investimento and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hapvida Participacoes Investimento's current PB Ratio is 0.10, which is 91% below median its own 10-year median of 1.16. 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$54.64, compared to a current price of R$10.46 — trading 80.9% below its estimated fair value. The current PB Ratio is 0.10, which is 91% below median its 10-year median of 1.16 and 92.8% below the Insurance industry median of 1.40. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Hapvida Participacoes Investimento (BSP:HAPV3), the current PB Ratio is 0.10 as of Jul. 14, 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$10.46 is trading 80.9% below its estimated GF Value™ of R$54.64.
GuruFocus considers Hapvida Participacoes Investimento to be Possible Value Trap.
Key valuation signals for BSP:HAPV3:
PB Ratio: 0.10 (91% below median its 10-year median of 1.16)
GF Value™: R$54.64 vs. price of R$10.46 (80.9% below fair value)
Industry Position: 92.8% below the Insurance median (#2 of 500)
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
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