Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Porto SeguroBSP:PSSA3 +1.71%74 5-Year Yield-on-Cost % is 9.39 as of Jul. 16, 2026, which is 3% above its 10-year median of 9.15. GuruFocus rates BSP:PSSA3 with a GF Score™ of 74/100 and a GF Value™ of R$44.95 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 418 Insurance companies, Porto Seguro ranks better than 88.28% on this metric.
Porto Seguro's yield on cost for the quarter that ended in Mar. 2026 was 9.39.
The historical rank and industry rank for Porto Seguro's 5-Year Yield-on-Cost % or its related term are showing as below:
BSP:PSSA3'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3 Med: 9.15 Max: 15.85
Current: 9.39
During the past 13 years, Porto Seguro's highest Yield on Cost was 15.85. The lowest was 3.00. And the median was 9.15.
BSP:PSSA3's 5-Year Yield-on-Cost % is ranked better than 88.28% of 418
companies
in the Insurance industry
Industry Median: 4
vs BSP:PSSA3: 9.39
Porto Seguro (BSP:PSSA3) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Porto Seguro 5-Year Yield-on-Cost % Related Terms
BSP:PSSA3 vs BRK.A, AIG, HIG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Diversified subindustry, Porto Seguro's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Porto Seguro's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Porto Seguro's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Porto Seguro is calculated as
Porto Seguro (BSP:PSSA3) has a 5-Year Yield-on-Cost % of 9.39 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Porto Seguro and its competitors. This is near median its historical median of 9.15. Over the past decade, Porto Seguro's 5-Year Yield-on-Cost % has ranged from 3.00 to 15.85. According to the industry distribution chart, Porto Seguro ranks #49 out of 418 companies in the Insurance industry, placing it in the top 11.7%.
Is Porto Seguro's 5-Year Yield-on-Cost % too high?
Porto Seguro's current 5-Year Yield-on-Cost % of 9.39 is near median its 10-year median of 9.15. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 15.85. The Insurance industry median 5-Year Yield-on-Cost % is 4.00. Porto Seguro's value of 9.39 is 134.8% above this industry median. Based on the distribution chart, Porto Seguro ranks #49 out of 418 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 5-Year Yield-on-Cost % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #49 out of 418 companies for 5-Year Yield-on-Cost %. This places Porto Seguro in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.00. Porto Seguro's value of 9.39 is 134.8% above this benchmark. Historically, Porto Seguro's own 5-Year Yield-on-Cost % has ranged from 3.00 to 15.85 over the past decade. While the company's 10-year median is 9.15 vs. the industry median of 4.00, Porto Seguro has consistently been above 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 4.00, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porto Seguro's current 5-Year Yield-on-Cost % of 9.39 is 134.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Porto Seguro and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porto Seguro's current 5-Year Yield-on-Cost % is 9.39, which is near median its own 10-year median of 9.15. 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$44.95, compared to a current price of R$55.22 — trading 22.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 9.39, which is near median its 10-year median of 9.15 and 134.8% above the Insurance industry median of 4.00. Porto Seguro's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current 5-Year Yield-on-Cost % is 9.39 as of Jul. 16, 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$55.22 is trading 22.8% above its estimated GF Value™ of R$44.95.
GuruFocus considers Porto Seguro to be Modestly Overvalued.
Key valuation signals for BSP:PSSA3:
5-Year Yield-on-Cost %: 9.39 (near median its 10-year median of 9.15)
GF Value™: R$44.95 vs. price of R$55.22 (22.8% above fair value)
Industry Position: 134.8% above the Insurance median (#49 of 418)
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 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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:PSSA3 has been successfully added to your 
