Porto Seguro (BSP:PSSA3) 3-Year RORE % : 23.75% (As of Mar. 2026)


BSP:PSSA3 Porto Seguro SA BSP:PSSA3
74 GF Score
Price R$51.50
GF Value R$45.02
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Porto Seguro 3-Year RORE %?

Porto Seguro BSP:PSSA3 -3.56% 74 3-Year RORE % is 23.75 as of Mar. 2026. GuruFocus rates BSP:PSSA3 with a GF Score™ of 74/100 and a GF Value™ of R$45.02 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 472 Insurance companies, Porto Seguro ranks better than 65.47% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Porto Seguro's 3-Year RORE % for the quarter that ended in Mar. 2026 was 23.75%.

The industry rank for Porto Seguro's 3-Year RORE % or its related term are showing as below:

BSP:PSSA3's 3-Year RORE % is ranked better than
65.47% of 472 companies
in the Insurance industry
Industry Median: 11.865 vs BSP:PSSA3: 23.75

Porto Seguro  (BSP:PSSA3) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Porto Seguro 3-Year RORE % Related Terms


Porto Seguro 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Porto Seguro's 3-Year RORE % 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.

Porto Seguro 3-Year RORE % Chart

Porto Seguro Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.39 -23.73 26.93 40.39 23.11

Porto Seguro Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % 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 40.03 29.24 21.38 23.11 23.75

BSP:PSSA3 vs BRK.A, AIG, HIG: 3-Year RORE % Comparison

For the Insurance - Diversified subindustry, Porto Seguro's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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.


Porto Seguro 3-Year RORE % vs Insurance Industry

For the Insurance industry and Financial Services sector, Porto Seguro's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Porto Seguro's 3-Year RORE % falls into.


BSP:PSSA3
74GF Score
Porto Seguro SA BSP:PSSA3
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Porto Seguro 3-Year RORE % Calculation

Porto Seguro's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 5.687-3.975 )/( 14.048-6.841 )
=1.712/7.207
=23.75 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 23.75 mean?
Porto Seguro (BSP:PSSA3) has a 3-Year RORE % of 23.75 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Porto Seguro and its competitors. According to the industry distribution chart, Porto Seguro ranks #163 out of 472 companies in the Insurance industry, placing it in the top 34.5%.
Is Porto Seguro's 3-Year RORE % too high?
Porto Seguro's current 3-Year RORE % is 23.75. The Insurance industry median 3-Year RORE % is 11.87. Porto Seguro's value of 23.75 is 100.2% above this industry median. Based on the distribution chart, Porto Seguro ranks #163 out of 472 companies in the Insurance industry, which is above the industry midpoint. Overall, Porto Seguro has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #163 out of 472 companies for 3-Year RORE %. This puts Porto Seguro in the upper half of its industry. The industry median 3-Year RORE % is 11.87. Porto Seguro's value of 23.75 is 100.2% 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 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.87, based on 472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porto Seguro's current 3-Year RORE % of 23.75 is 100.2% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Porto Seguro and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porto Seguro's current 3-Year RORE % is 23.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Porto Seguro stock overvalued right now?
Based on GuruFocus' analysis, Porto Seguro (BSP:PSSA3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$45.02, compared to a current price of R$51.50 — trading 14.4% above its estimated fair value. The current 3-Year RORE % is 23.75 and 100.2% above the Insurance industry median of 11.87. Porto Seguro's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current 3-Year RORE % is 23.75 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 Porto Seguro (BSP:PSSA3) Overvalued in 2026?

Based on GuruFocus' analysis, Porto Seguro stock appears to be overvalued. The current stock price of R$51.50 is trading 14.4% above its estimated GF Value™ of R$45.02. GuruFocus considers Porto Seguro to be Modestly Overvalued.

Key valuation signals for BSP:PSSA3:

  • 3-Year RORE %: 23.75
  • GF Value™: R$45.02 vs. price of R$51.50 (14.4% above fair value)
  • GF Score™: 74/100 with 3 warning signs
  • Industry Position: 100.2% above the Insurance median (#163 of 472)

No single metric tells the full story. See the BSP:PSSA3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Porto Seguro Business Description

Address Alameda Barao de Piracicaba, No. 740, 11th Floor, Block B, Rosa Garfinkel Building, Campos Eliseos, Sao Paulo, SP, BRA
Porto Seguro SA is one of Brazil's diversified insurance companies that cover vehicles and residential homes. The company operates in many verticals like Insurance, bank, services and other business activities. The company provides a wide range of services including risk underwriting analysis, bike assistance, and surveillance. The company aims to provide products that meet several market needs through the following brands: Porto Seguro, Itau Auto e Residencia, and Azul Seguros and many others.
74GF Score

Get the complete analysis for BSP:PSSA3

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

R$51.50
Price
R$45.02
GF Value