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BSP:QUAL3's ROA % is ranked worse than 77.78% of 18
companies
in the Healthcare Plans industry
Industry Median: 2.035
vs BSP:QUAL3: 0.38
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Qualicorp Consultoria E Corretora De Seguros ROA % Related Terms
Qualicorp Consultoria E Corretora De Seguros ROA % 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.
Qualicorp Consultoria E Corretora De Seguros ROA % Chart
Qualicorp Consultoria E Corretora De Seguros Annual Data
* 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.
Qualicorp Consultoria E Corretora De Seguros ROA % vs Healthcare Plans Industry
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) has a ROA % of 1.88% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors. This is 80% below median its historical median of 9.20. According to the industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #14 out of 18 companies in the Healthcare Plans industry, placing it in the top 77.8%.
Is Qualicorp Consultoria E Corretora De Seguros' ROA % too high?
Qualicorp Consultoria E Corretora De Seguros' current ROA % of 1.88% is 80% below median its 10-year median of 9.20. The Healthcare Plans industry median ROA % is 2.04. Qualicorp Consultoria E Corretora De Seguros' value of 1.88% is 7.6% below this industry median. Based on the distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #14 out of 18 companies in the Healthcare Plans industry, which is in the bottom quartile relative to peers. Overall, Qualicorp Consultoria E Corretora De Seguros has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qualicorp Consultoria E Corretora De Seguros' ROA % compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #14 out of 18 companies for ROA %. This places Qualicorp Consultoria E Corretora De Seguros in the lower half of its industry. The industry median ROA % is 2.04. Qualicorp Consultoria E Corretora De Seguros' value of 1.88% is 7.6% below this benchmark. While the company's 10-year median is 9.20 vs. the industry median of 2.04, Qualicorp Consultoria E Corretora De Seguros 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 ROA % for a Healthcare Plans company?
The median ROA % among Healthcare Plans companies is 2.04, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Qualicorp Consultoria E Corretora De Seguros's current ROA % of 1.88% is 7.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors. For the Healthcare Plans industry, the median ROA % is 2.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qualicorp Consultoria E Corretora De Seguros's current ROA % is 1.88%, which is 80% below median its own 10-year median of 9.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qualicorp Consultoria E Corretora De Seguros stock overvalued right now?
Based on GuruFocus' analysis, Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) is currently considered Modestly Undervalued. The stock's GF Value™ is R$1.87, compared to a current price of R$1.53 — trading 18.2% below its estimated fair value. The current ROA % is 1.88%, which is 80% below median its 10-year median of 9.20 and 7.6% below the Healthcare Plans industry median of 2.04. Qualicorp Consultoria E Corretora De Seguros' overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3), the current ROA % is 1.88% as of Mar. 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 Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) Overvalued in 2026?
Based on GuruFocus' analysis, Qualicorp Consultoria E Corretora De Seguros stock appears to be undervalued.
The current stock price of R$1.53 is trading 18.2% below its estimated GF Value™ of R$1.87.
GuruFocus considers Qualicorp Consultoria E Corretora De Seguros to be Modestly Undervalued.
Key valuation signals for BSP:QUAL3:
ROA %: 1.88% (80% below median its 10-year median of 9.20)
GF Value™: R$1.87 vs. price of R$1.53 (18.2% below fair value)
Industry Position: 7.6% below the Healthcare Plans median (#14 of 18)
No single metric tells the full story. See the BSP:QUAL3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qualicorp Consultoria E Corretora De Seguros Business Description
Qualicorp Consultoria e Corretora de Seguros SA is principally engaged in holding equity interests in other companies and business enterprises of any nature, and the provision of insurance brokerage, agency, consulting, and management services. Along with its subsidiaries, it is involved in the administration, management, and sale of group health plans by membership. The Group has only one reportable segment: the Affinity segment, which is engaged in the support, management, stipulation, brokerage, and intermediation of group plans for members of professional associations such as unions, associations, regional councils, etc.
68GF Score
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