Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) ROC %: 9.21% (As of Mar. 2026)

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BSP:QUAL3 Qualicorp Consultoria E Corretora De Seguros SA BSP:QUAL3
68 GF Score
Price R$1.53
GF Value R$1.87
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Qualicorp Consultoria E Corretora De Seguros ROC %?

Qualicorp Consultoria E Corretora De Seguros BSP:QUAL3 +2.00% 68 ROC % is 9.21% as of Mar. 2026. GuruFocus rates BSP:QUAL3 with a GF Score™ of 68/100 and a GF Value™ of R$1.87 (Modestly Undervalued). The stock has 4 warning signs investors should review.

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. Qualicorp Consultoria E Corretora De Seguros's annualized return on capital (ROC %) for the quarter that ended in Mar. 2026 was 9.21%.

As of today (2026-07-23), Qualicorp Consultoria E Corretora De Seguros's WACC % is 4.82%. Qualicorp Consultoria E Corretora De Seguros's ROC % is 1.27% (calculated using TTM income statement data). Qualicorp Consultoria E Corretora De Seguros earns returns that do not match up to its cost of capital. It will destroy value as it grows.


Qualicorp Consultoria E Corretora De Seguros  (BSP:QUAL3) ROC % Explanation

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.

There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.

Why is ROC % important?

Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.

As of today, Qualicorp Consultoria E Corretora De Seguros's WACC % is 4.82%. Qualicorp Consultoria E Corretora De Seguros's ROC % is 1.27% (calculated using TTM income statement data). Qualicorp Consultoria E Corretora De Seguros earns returns that do not match up to its cost of capital. It will destroy value as it grows.


Be Aware

Like ROE % and ROA %, ROC % is calculated with only 12 months of 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.


Qualicorp Consultoria E Corretora De Seguros ROC % Related Terms


Qualicorp Consultoria E Corretora De Seguros ROC % Historical Data

* Premium members only.

The historical data trend for Qualicorp Consultoria E Corretora De Seguros's ROC % 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.

Qualicorp Consultoria E Corretora De Seguros ROC % Chart

Qualicorp Consultoria E Corretora De Seguros Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROC %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.91 6.99 4.06 8.61 0.31

Qualicorp Consultoria E Corretora De Seguros Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROC % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.22 6.78 8.26 0.00 9.21
BSP:QUAL3
68GF Score
Qualicorp Consultoria E Corretora De Seguros SA BSP:QUAL3
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Qualicorp Consultoria E Corretora De Seguros ROC % Calculation

Qualicorp Consultoria E Corretora De Seguros's annualized Return on Capital (ROC %) for the fiscal year that ended in Dec. 2025 is calculated as:

ROC % (A: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (A: Dec. 2024 ) + Invested Capital (A: Dec. 2025 ))/ count )
=330.596 * ( 1 - 96.39% )/( (3875.542 + 3848.888)/ 2 )
=11.9345156/3862.215
=0.31 %

where

Invested Capital(A: Dec. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=4366.325 - 336.279 - ( 892.946 - max(0, 1503.375 - 1657.879+892.946))
=3875.542

Invested Capital(A: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=3938.536 - 215.347 - ( 926.38 - max(0, 1349.739 - 1224.04+926.38))
=3848.888

Qualicorp Consultoria E Corretora De Seguros's annualized Return on Capital (ROC %) for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=536.404 * ( 1 - 32.97% )/( (3848.888 + 3955.625)/ 2 )
=359.5516012/3902.2565
=9.21 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=3938.536 - 215.347 - ( 926.38 - max(0, 1349.739 - 1224.04+926.38))
=3848.888

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=3977.357 - 136.472 - ( 1022.414 - max(0, 1396.095 - 1281.355+1022.414))
=3955.625

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data. The tax rate is limited to between 0% and 100%.

* 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.

Frequently Asked Questions Learn more about ROC % →
What does a ROC % of 9.21% mean?
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) has a ROC % of 9.21% as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors.
Is Qualicorp Consultoria E Corretora De Seguros' ROC % too high?
Qualicorp Consultoria E Corretora De Seguros' current ROC % is 9.21%. The Healthcare Plans industry median ROC % is 6.46. Qualicorp Consultoria E Corretora De Seguros' value of 9.21% is 42.6% above this industry median. 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' ROC % compare to UNH and CVS?
Qualicorp Consultoria E Corretora De Seguros' ROC % of 9.21% can be compared against companies in the Healthcare Plans industry. The industry median ROC % is 6.46. Qualicorp Consultoria E Corretora De Seguros' value of 9.21% is 42.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Healthcare Plans company?
The median ROC % among Healthcare Plans companies is 6.46, based on 17 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % of 9.21% is 42.6% 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors. For the Healthcare Plans industry, the median ROC % is 6.46 — 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 ROC % is 9.21%. 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 ROC % is 9.21% and 42.6% above the Healthcare Plans industry median of 6.46. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3), the current ROC % is 9.21% 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:

  • ROC %: 9.21%
  • GF Value™: R$1.87 vs. price of R$1.53 (18.2% below fair value)
  • GF Score™: 68/100 with 4 warning signs
  • Industry Position: 42.6% above the Healthcare Plans median

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

Address Avenida Paulista, No. 1106, 12th Floor, Bela Vista, Sao Paulo, SP, BRA, 01310-100
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

Get the complete analysis for BSP:QUAL3

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

R$1.53
Price
R$1.87
GF Value