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BSP:QUAL3's ROE % is ranked worse than 72.22% of 18
companies
in the Healthcare Plans industry
Industry Median: 8.165
vs BSP:QUAL3: 1.17
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Qualicorp Consultoria E Corretora De Seguros ROE % Related Terms
Qualicorp Consultoria E Corretora De Seguros ROE % 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 ROE % 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 ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) has a ROE % of 5.75% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors. This is 65% below median its historical median of 16.41. According to the industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #13 out of 18 companies in the Healthcare Plans industry, placing it in the top 72.2%.
Is Qualicorp Consultoria E Corretora De Seguros' ROE % too high?
Qualicorp Consultoria E Corretora De Seguros' current ROE % of 5.75% is 65% below median its 10-year median of 16.41. The Healthcare Plans industry median ROE % is 8.17. Qualicorp Consultoria E Corretora De Seguros' value of 5.75% is 29.6% below this industry median. Based on the distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #13 out of 18 companies in the Healthcare Plans industry, which is below the industry midpoint. 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' ROE % compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #13 out of 18 companies for ROE %. This places Qualicorp Consultoria E Corretora De Seguros in the lower half of its industry. The industry median ROE % is 8.17. Qualicorp Consultoria E Corretora De Seguros' value of 5.75% is 29.6% below this benchmark. While the company's 10-year median is 16.41 vs. the industry median of 8.17, 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 ROE % for a Healthcare Plans company?
The median ROE % among Healthcare Plans companies is 8.17, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % of 5.75% is 29.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Qualicorp Consultoria E Corretora De Seguros and its competitors. For the Healthcare Plans industry, the median ROE % is 8.17 — 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 ROE % is 5.75%, which is 65% below median its own 10-year median of 16.41. 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 ROE % is 5.75%, which is 65% below median its 10-year median of 16.41 and 29.6% below the Healthcare Plans industry median of 8.17. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3), the current ROE % is 5.75% 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:
ROE %: 5.75% (65% below median its 10-year median of 16.41)
GF Value™: R$1.87 vs. price of R$1.53 (18.2% below fair value)
Industry Position: 29.6% below the Healthcare Plans median (#13 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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