Hapvida Participacoes Investimento (BSP:HAPV3) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

BSP:HAPV3 Hapvida Participacoes Investimento SA BSP:HAPV3
68 GF Score
Price R$9.92
GF Value R$54.74
Valuation Possible Value Trap
! 5 Warning Signs
View Full Analysis

What is Hapvida Participacoes Investimento Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Hapvida Participacoes Investimento is: High Risk: High uncertainty.

Hapvida Participacoes Investimento  (BSP:HAPV3) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Hapvida Participacoes Investimento Risk Assessment Related Terms

BSP:HAPV3 vs AFL, MET, PRU: Risk Assessment Comparison

For the Insurance - Life subindustry, Hapvida Participacoes Investimento's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Insurance Industry

For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Hapvida Participacoes Investimento's Risk Assessment falls into.


BSP:HAPV3
68GF Score
Hapvida Participacoes Investimento SA BSP:HAPV3
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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$9.92 is trading 81.9% below its estimated GF Value™ of R$54.74. GuruFocus considers Hapvida Participacoes Investimento to be Possible Value Trap.

Key valuation signals for BSP:HAPV3:

  • Risk Assessment:
  • GF Value™: R$54.74 vs. price of R$9.92 (81.9% below fair value)
  • GF Score™: 68/100 with 5 warning signs

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

Address No. 406, Avenue Heraclito Graca, Fortaleza, CE, BRA, 60140-061
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

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$9.92
Price
R$54.74
GF Value