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QUAL3.SA$1.59-7.56%
Fair $1.59+0.0%

QUAL3.SA

Qualicorp Consultoria e Corretora de Seguros S.A.

Healthcare / Healthcare PlansSão Paulo

$1.59

-0.13 (-7.56%)

Fairly Valued+0.0%Fair Value $1.59Fund rank 31/100 · Data gapFallback financials|
SA 29/D
F-Score: 8/9
Declining RevenueLow Profitability

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 25% · confianza 25%

FCF escenarios

weak_data · normalized FCF $208.4M · quality 59.0/100

Data gap 31/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 67/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

29/100

D

Piotroski

8/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Revenue has declined for 3 consecutive years ROE is 0.8%, below the 5% threshold
Thesis & Journal · QUAL3.SALocal privado en este navegador · Qualicorp Consultoria e Corretora de Seguros S.A.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$452M

P/E

79.5x

↑

EV/EBITDA

3.0x

↓

ROE

0.8%

↑

Gross Margin

87.1%

↑

Debt/Equity

1.37

↑
52-Week Range$2
$2$3

TradingView lightweight chart

QUAL3.SA price, volumen y niveles de valoración

Último $1.590Periodo -89.4%
Fair value: $1.590

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

-9.9%

FCF CAGR

+0.5%

FCF margin

7.3%

FCF / Net income

9.78x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $1.43B · net income $10.7M · FCF $104.3M

2022-FY → 2025-FY

Gross margin

87.1%+9.9% pts

Operating margin

23.2%-0.7% pts

Net margin

0.7%-4.0% pts

FCF margin

7.3%+2.0% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$1.43B$1.43B$1.54B$1.75B$1.95B
Net Income$10.7M$10.7M$6.6M$-82.4M$92.8M
EBITDA$664.2M$664.2M$672.1M$691.8M$826.5M
EPS0.040.040.02-0.300.33
Gross Margin87.1%87.1%83.5%78.9%77.2%
Operating Margin23.2%23.2%21.9%13.3%23.8%
Net Margin0.7%0.7%0.4%-4.7%4.8%
Balance Sheet
Debt/Equity1.371.371.471.761.68
Current Ratio0.910.91———
Cash Flow
Free Cash Flow$104.3M$104.3M$208.4M$248.9M$102.9M
Returns
ROE0.8%0.8%0.5%-6.5%6.9%
Valuation
P/E79.5079.5064.54—18.97
EV/EBITDA2.992.992.953.994.41
P/B0.350.350.330.721.31
Growth & Yield
Revenue Growth-7.5%-7.5%-11.9%-10.3%—
EPS Growth61.1%61.1%107.9%-188.6%—
Dividend Yield0.5%0.5%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

55.6%

muy exigente

EPS terminal req.

$0.14

Spread vs growth

5.5%

5Y implied EPS CAGR

35.4%

muy exigente

EPS terminal req.

$0.17

Spread vs growth

25.7%

10Y implied EPS CAGR

22.1%

exigente

EPS terminal req.

$0.27

Spread vs growth

39.1%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -25.9%

Total return

-25.9%

Start / end P/E

92.9x → 42.5x

EPS bridge

0.02 → 0.04

Residual

-33.2%

EPS growth+61.1%
Multiple rerating-54.3%
Dividend+0.5%
Residual / FX / buybacks / cross-term-33.2%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.