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.
Hapvida Participacoes Investimento ROE % Related Terms
Hapvida Participacoes Investimento 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.
For the Insurance - Life subindustry, Hapvida Participacoes Investimento's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's ROE % distribution charts can be found below:
* The bar in red indicates where Hapvida Participacoes Investimento's ROE % falls into.
* 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.
Hapvida Participacoes Investimento (HAPVY) has a ROE % of -0.86% 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 Hapvida Participacoes Investimento and its competitors. According to the industry distribution chart, Hapvida Participacoes Investimento ranks #463 out of 502 companies in the Insurance industry, placing it in the top 92.2%.
Is Hapvida Participacoes Investimento's ROE % too high?
Hapvida Participacoes Investimento's current ROE % is -0.86%. Based on the distribution chart, Hapvida Participacoes Investimento ranks #463 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Hapvida Participacoes Investimento has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Hapvida Participacoes Investimento's ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, Hapvida Participacoes Investimento ranks #463 out of 502 companies for ROE %. This places Hapvida Participacoes Investimento in the lower half of its industry. The industry median ROE % is 11.73. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 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. 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 Hapvida Participacoes Investimento and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hapvida Participacoes Investimento's current ROE % is -0.86%. 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?
Hapvida Participacoes Investimento (HAPVY) has a current ROE % of -0.86%. The stock's GF Value™ is $52.85, compared to a current price of $10.01 — trading 81.1% below its estimated fair value. The current ROE % is -0.86%. Hapvida Participacoes Investimento's overall GF Score™ is 67/100 with 5 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 Hapvida Participacoes Investimento (HAPVY), the current ROE % is -0.86% 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 Hapvida Participacoes Investimento (HAPVY) Overvalued in 2026?
Based on GuruFocus' analysis, Hapvida Participacoes Investimento stock appears to be undervalued.
The current stock price of $10.01 is trading 81.1% below its estimated GF Value™ of $52.85.
Key valuation signals for HAPVY:
ROE %: -0.86%
GF Value™: $52.85 vs. price of $10.01 (81.1% below fair value)
No single metric tells the full story. See the HAPVY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hapvida Participacoes Investimento Business Description
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.
67GF Score
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