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Qualicorp Consultoria e Corretora de Seguros S.A. (BR:QUAL3)
:QUAL3
Brazil Market
QUAL3
Qualicorp Consultoria e Corretora de Seguros S.A.
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Qualicorp Consultoria e Corretora de Seguros S.A. (QUAL3) Ratios

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Qualicorp Consultoria e Corretora de Seguros S.A. Ratios

BR:QUAL3's free cash flow for Q2 2026 was R$0.70. For the 2026 fiscal year, BR:QUAL3's free cash flow was decreased by R$ and operating cash flow was R$0.32. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.58 0.91 1.10 1.24 1.78
Quick Ratio
 0.58 0.91 1.10 1.23 1.78
Cash Ratio
 0.23 0.16 0.21 0.30 0.56
Solvency Ratio
 0.19 0.11 0.13 0.12 0.16
Operating Cash Flow Ratio
 0.21 0.21 0.25 0.38 0.79
Short-Term Operating Cash Flow Coverage
 0.44 0.45 0.66 0.88 26.18
Net Current Asset Value
R$ -1.31BR$ -1.41BR$ -1.41BR$ -1.61BR$ -1.96B
Leverage Ratios
Debt-to-Assets Ratio
 0.35 0.44 0.43 0.50 0.50
Debt-to-Equity Ratio
 0.89 1.35 1.47 1.76 1.68
Debt-to-Capital Ratio
 0.47 0.57 0.59 0.64 0.63
Long-Term Debt-to-Capital Ratio
 0.28 0.46 0.50 0.56 0.62
Financial Leverage Ratio
 2.57 3.05 3.41 3.55 3.35
Debt Service Coverage Ratio
 0.73 0.73 0.79 0.81 2.74
Interest Coverage Ratio
 1.51 1.68 0.66 0.91 1.94
Debt to Market Cap
 2.53 2.67 4.36 2.45 1.44
Interest Debt Per Share
 5.18 7.13 7.68 9.19 9.06
Net Debt to EBITDA
 1.11 1.97 2.36 2.66 2.28
Profitability Margins
Gross Profit Margin
74.35%66.08%83.15%78.92%77.24%
EBIT Margin
30.63%32.94%16.56%12.37%21.06%
EBITDA Margin
57.54%53.99%41.86%39.53%42.35%
Operating Profit Margin
30.64%32.94%11.73%17.14%26.22%
Pretax Profit Margin
10.25%7.47%0.08%-6.38%7.52%
Net Profit Margin
1.32%-0.18%0.42%-4.71%4.76%
Continuous Operations Profit Margin
2.06%0.27%0.95%-4.31%5.20%
Net Income Per EBT
12.89%-2.38%538.82%73.85%63.26%
EBT Per EBIT
33.45%22.69%0.66%-37.22%28.68%
Return on Assets (ROA)
0.53%-0.06%0.15%-1.83%2.06%
Return on Equity (ROE)
1.38%-0.20%0.51%-6.49%6.89%
Return on Capital Employed (ROCE)
19.99%18.16%6.47%9.36%13.33%
Return on Invested Capital (ROIC)
3.07%0.53%5.39%5.35%9.13%
Return on Tangible Assets
1.44%-0.15%0.32%-4.22%5.34%
Earnings Yield
3.88%-0.39%1.54%-9.14%6.04%
Efficiency Ratios
Receivables Turnover
 6.24 6.20 2.21 7.20 8.30
Payables Turnover
 0.91 1.50 0.54 0.98 641.93
Inventory Turnover
 0.00 0.00 0.00 29.21 0.00
Fixed Asset Turnover
 56.41 51.43 53.98 45.87 22.71
Asset Turnover
 0.40 0.36 0.36 0.39 0.43
Working Capital Turnover Ratio
 -4.07 99.07 6.73 4.17 -4.62
Cash Conversion Cycle
 -342.41 -184.10 -505.23 -307.65 43.40
Days of Sales Outstanding
 58.53 58.89 164.90 50.68 43.97
Days of Inventory Outstanding
 0.00 0.00 0.00 12.50 0.00
Days of Payables Outstanding
 400.95 242.99 670.13 370.83 0.57
Operating Cycle
 58.53 58.89 164.90 63.18 43.97
Cash Flow Ratios
Operating Cash Flow Per Share
 0.99 1.01 1.34 1.78 1.92
Free Cash Flow Per Share
 0.99 1.00 0.74 0.89 0.37
CapEx Per Share
 <0.01 <0.01 0.60 0.89 1.55
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.55 0.50 0.19
Dividend Paid and CapEx Coverage Ratio
 91.99 74.96 2.23 1.84 1.06
Capital Expenditure Coverage Ratio
 188.05 126.04 2.23 2.00 1.24
Operating Cash Flow Coverage Ratio
 0.24 0.16 0.20 0.22 0.24
Operating Cash Flow to Sales Ratio
 0.20 0.20 0.24 0.28 0.27
Free Cash Flow Yield
60.19%44.03%48.74%27.60%6.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 28.35 -253.33 64.96 -10.94 16.56
Price-to-Sales (P/S) Ratio
 0.34 0.45 0.27 0.52 0.79
Price-to-Book (P/B) Ratio
 0.35 0.50 0.33 0.71 1.14
Price-to-Free Cash Flow (P/FCF) Ratio
 1.66 2.27 2.05 3.62 14.94
Price-to-Operating Cash Flow Ratio
 1.66 2.25 1.13 1.81 2.87
Price-to-Earnings Growth (PEG) Ratio
 0.36 1.83 -0.60 0.06 -0.22
Price-to-Fair Value
 0.35 0.50 0.33 0.71 1.14
Enterprise Value Multiple
 1.70 2.81 3.00 3.97 4.14
Enterprise Value
 1.34B 2.16B 1.99B 2.74B 3.42B
EV to EBITDA
 1.70 2.81 3.00 3.97 4.14
EV to Sales
 0.98 1.52 1.26 1.57 1.75
EV to Free Cash Flow
 4.81 7.61 9.53 11.02 33.22
EV to Operating Cash Flow
 4.79 7.55 5.26 5.51 6.39
Tangible Book Value Per Share
 -2.90 -3.20 -3.66 -4.55 -5.09
Shareholders’ Equity Per Share
 4.72 4.56 4.56 4.55 4.84
Tax and Other Ratios
Effective Tax Rate
 0.80 0.96 -11.34 0.32 0.31
Revenue Per Share
 4.85 5.04 5.62 6.27 7.01
Net Income Per Share
 0.06 >-0.01 0.02 -0.30 0.33
Tax Burden
 0.13 -0.02 5.39 0.74 0.63
Interest Burden
 0.33 0.23 <0.01 -0.52 0.36
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.18 0.13 0.14 0.05 0.05
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 <0.01
Income Quality
 15.47 -113.05 309.53 -6.04 3.65
Currency in BRL