Porto SeguroBSP:PSSA3 -1.97%74 PB Ratio is 2.15 as of Jun. 24, 2026, which is 24% above its 10-year median of 1.74. GuruFocus rates BSP:PSSA3 with a GF Score™ of 74/100 and a GF Value™ of R$45.15 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 499 Insurance companies, Porto Seguro ranks worse than 72.75% on this metric.
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. As of today (2026-06-24), Porto Seguro's share price is R$52.19. Porto Seguro's Book Value per Share for the quarter that ended in Mar. 2026 was R$24.26. Hence, Porto Seguro's PB Ratio of today is 2.15.
The historical rank and industry rank for Porto Seguro's PB Ratio or its related term are showing as below:
BSP:PSSA3'
s PB Ratio Range Over the Past 10 Years
Min: 1.18 Med: 1.74 Max: 2.61
Current: 2.15
During the past 13 years, Porto Seguro's highest PB Ratio was 2.61. The lowest was 1.18. And the median was 1.74.
BSP:PSSA3's PB Ratio is ranked worse than 72.75% of 499
companies
in the Insurance industry
Industry Median: 1.39
vs BSP:PSSA3: 2.15
During the past 12 months, Porto Seguro's average Book Value Per Share Growth Rate was 12.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Porto Seguro was 24.50% per year. The lowest was 5.70% per year. And the median was 8.90% per year.
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.
Porto Seguro PB Ratio Related Terms
Porto Seguro PB Ratio Historical Data
* Premium members only.
The historical data trend for Porto Seguro's PB Ratio 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.
For the Insurance - Diversified subindustry, Porto Seguro'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.
Porto Seguro PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Porto Seguro's PB Ratio distribution charts can be found below:
* The bar in red indicates where Porto Seguro's PB Ratio falls into.
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.
Porto Seguro's PB Ratio for today is calculated as follows:
* 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.
Porto Seguro (BSP:PSSA3) has a PB Ratio of 2.15 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Porto Seguro and its competitors. This is 24% above median its historical median of 1.74. Over the past decade, Porto Seguro's PB Ratio has ranged from 1.18 to 2.61. According to the industry distribution chart, Porto Seguro ranks #363 out of 499 companies in the Insurance industry, placing it in the top 72.7%.
Is Porto Seguro's PB Ratio too high?
Porto Seguro's current PB Ratio of 2.15 is 24% above median its 10-year median of 1.74. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 2.61. The Insurance industry median PB Ratio is 1.39. Porto Seguro's value of 2.15 is 54.7% above this industry median. Based on the distribution chart, Porto Seguro ranks #363 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, Porto Seguro has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #363 out of 499 companies for PB Ratio. This places Porto Seguro in the lower half of its industry. The industry median PB Ratio is 1.39. Porto Seguro's value of 2.15 is 54.7% above this benchmark. Historically, Porto Seguro's own PB Ratio has ranged from 1.18 to 2.61 over the past decade. While the company's 10-year median is 1.74 vs. the industry median of 1.39, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.39, based on 499 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. Porto Seguro's current PB Ratio of 2.15 is 54.7% 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 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 Porto Seguro and its competitors. For the Insurance industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porto Seguro's current PB Ratio is 2.15, which is 24% above median its own 10-year median of 1.74. 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 Modestly Overvalued. The stock's GF Value™ is R$45.15, compared to a current price of R$52.19 — trading 15.6% above its estimated fair value. The current PB Ratio is 2.15, which is 24% above median its 10-year median of 1.74 and 54.7% above the Insurance industry median of 1.39. Porto Seguro's overall GF Score™ is 74/100 with 2 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 Porto Seguro (BSP:PSSA3), the current PB Ratio is 2.15 as of Jun. 24, 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$52.19 is trading 15.6% above its estimated GF Value™ of R$45.15.
GuruFocus considers Porto Seguro to be Modestly Overvalued.
Key valuation signals for BSP:PSSA3:
PB Ratio: 2.15 (24% above median its 10-year median of 1.74)
GF Value™: R$45.15 vs. price of R$52.19 (15.6% above fair value)
Industry Position: 54.7% above the Insurance median (#363 of 499)
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.
74GF Score
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