Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) 3-Year RORE % : -111.86% (As of Mar. 2026)

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BSP:QUAL3 Qualicorp Consultoria E Corretora De Seguros SA BSP:QUAL3
68 GF Score
Price R$1.45
GF Value R$1.86
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Qualicorp Consultoria E Corretora De Seguros 3-Year RORE %?

Qualicorp Consultoria E Corretora De Seguros BSP:QUAL3 +2.84% 68 3-Year RORE % is -111.86 as of Mar. 2026. GuruFocus rates BSP:QUAL3 with a GF Score™ of 68/100 and a GF Value™ of R$1.86 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 18 Healthcare Plans companies, Qualicorp Consultoria E Corretora De Seguros ranks worse than 100% 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. Qualicorp Consultoria E Corretora De Seguros's 3-Year RORE % for the quarter that ended in Mar. 2026 was -111.86%.

The industry rank for Qualicorp Consultoria E Corretora De Seguros's 3-Year RORE % or its related term are showing as below:

BSP:QUAL3's 3-Year RORE % is ranked worse than
100% of 18 companies
in the Healthcare Plans industry
Industry Median: -10.925 vs BSP:QUAL3: -111.86

Qualicorp Consultoria E Corretora De Seguros  (BSP:QUAL3) 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.


Qualicorp Consultoria E Corretora De Seguros 3-Year RORE % Related Terms


Qualicorp Consultoria E Corretora De Seguros 3-Year RORE % Historical Data

* Premium members only.

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

Qualicorp Consultoria E Corretora De Seguros 3-Year RORE % Chart

Qualicorp Consultoria E Corretora De Seguros 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 -6.53 -263.82 134.57 113.60 -104.72

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
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 23.16 -8.81 -83.37 -104.72 -111.86

BSP:QUAL3 vs UNH, CVS, ELV: 3-Year RORE % Comparison

For the Healthcare Plans subindustry, Qualicorp Consultoria E Corretora De Seguros'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.


Qualicorp Consultoria E Corretora De Seguros 3-Year RORE % vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, Qualicorp Consultoria E Corretora De Seguros's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Qualicorp Consultoria E Corretora De Seguros's 3-Year RORE % falls into.


BSP:QUAL3
68GF Score
Qualicorp Consultoria E Corretora De Seguros SA BSP:QUAL3
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Qualicorp Consultoria E Corretora De Seguros 3-Year RORE % Calculation

Qualicorp Consultoria E Corretora De Seguros'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 )
=( 0.054--0.295 )/( -0.227-0.085 )
=0.349/-0.312
=-111.86 %

* 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 -111.86 mean?
Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3) has a 3-Year RORE % of -111.86 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 Qualicorp Consultoria E Corretora De Seguros and its competitors. According to the industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #18 out of 18 companies in the Healthcare Plans industry.
Is Qualicorp Consultoria E Corretora De Seguros' 3-Year RORE % too high?
Qualicorp Consultoria E Corretora De Seguros' current 3-Year RORE % is -111.86. Based on the distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #18 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' 3-Year RORE % compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Qualicorp Consultoria E Corretora De Seguros ranks #18 out of 18 companies for 3-Year RORE %. This places Qualicorp Consultoria E Corretora De Seguros in the lower half of its industry. 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 a Healthcare Plans company?
A good 3-Year RORE % depends on the Healthcare Plans industry context. However, 3-Year RORE % 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 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 Qualicorp Consultoria E Corretora De Seguros and its competitors. Qualicorp Consultoria E Corretora De Seguros's current 3-Year RORE % is -111.86. 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$1.86, compared to a current price of R$1.45 — trading 22% below its estimated fair value. The current 3-Year RORE % is -111.86. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Qualicorp Consultoria E Corretora De Seguros (BSP:QUAL3), the current 3-Year RORE % is -111.86 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 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$1.45 is trading 22% below its estimated GF Value™ of R$1.86. GuruFocus considers Qualicorp Consultoria E Corretora De Seguros to be Modestly Undervalued.

Key valuation signals for BSP:QUAL3:

  • 3-Year RORE %: -111.86
  • GF Value™: R$1.86 vs. price of R$1.45 (22% below fair value)
  • GF Score™: 68/100 with 4 warning signs

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

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

R$1.45
Price
R$1.86
GF Value