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Hapvida Participacoes Investimento has the Financial Strength Rank of 6.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Hapvida Participacoes Investimento's Interest Coverage for the quarter that ended in Jun. 2026 was 0.35.
Hapvida Participacoes Investimento's debt to revenue ratio for the quarter that ended in Jun. 2026 was 3.19.
As of today, Hapvida Participacoes Investimento's Altman Z-Score is 0.72.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Hapvida Participacoes Investimento has the Financial Strength Rank of 6.
Hapvida Participacoes Investimento Financial Strength Related Terms
BSP:HAPV3 vs MET, AFL, PRU: Financial Strength Comparison
For the Insurance - Life subindustry, Hapvida Participacoes Investimento's Financial Strength, along with its competitors' market caps and Financial Strength 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 Financial Strength vs Insurance Industry
For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's Financial Strength distribution charts can be found below:
* The bar in red indicates where Hapvida Participacoes Investimento's Financial Strength falls into.
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:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Hapvida Participacoes Investimento has a Z-score of 0.72, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
Warning Sign:
Altman Z-score of 0.72 is in distress zone. This implies bankruptcy possibility in the next two years.
* 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 (BSP:HAPV3) has a Financial Strength of 6 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Hapvida Participacoes Investimento and its competitors. This is near median its historical median of 6.00. Over the past decade, Hapvida Participacoes Investimento's Financial Strength has ranged from 5.00 to 10.00.
Is Hapvida Participacoes Investimento's Financial Strength too high?
Hapvida Participacoes Investimento's current Financial Strength of 6 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 10.00. Overall, Hapvida Participacoes Investimento has a GF Score™ of 65/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Hapvida Participacoes Investimento's Financial Strength compare to MET and AFL?
Hapvida Participacoes Investimento's Financial Strength of 6 can be compared against companies in the Insurance industry. Historically, Hapvida Participacoes Investimento's own Financial Strength has ranged from 5.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for an Insurance company?
A good Financial Strength depends on the Insurance industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Hapvida Participacoes Investimento and its competitors. Hapvida Participacoes Investimento's current Financial Strength is 6, which is near median its own 10-year median of 6.00. 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$53.73, compared to a current price of R$6.21 — trading 88.4% below its estimated fair value. The current Financial Strength is 6, which is near median its 10-year median of 6.00. Hapvida Participacoes Investimento's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Hapvida Participacoes Investimento (BSP:HAPV3), the current Financial Strength is 6 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 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$6.21 is trading 88.4% below its estimated GF Value™ of R$53.73.
GuruFocus considers Hapvida Participacoes Investimento to be Possible Value Trap.
Key valuation signals for BSP:HAPV3:
Financial Strength: 6 (near median its 10-year median of 6.00)
GF Value™: R$53.73 vs. price of R$6.21 (88.4% below fair value)
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 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.
65GF Score
Get the complete analysis for BSP:HAPV3
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