BB Seguridade Participações S.A. (BBSE3.SA) stock analysis

In our weekly check, BB Seguridade Participações S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 4, red flags: 3.

About BB Seguridade Participações S.A.

BB Seguridade Participações S.A. is a Financial Services company (Insurance - Diversified) based in Brazil, listed on SAO as BBSE3.SA.

What our checks show for BBSE3.SA

Red flags

• Operating cash flow is only 0.4x net profit: part of the reported profit does not arrive as cash.
• Analysts expect the net margin to shrink by 4.3 points from today's 87.9%.
• The stock has fallen as much as 65% from a peak. Would you have held through that?

Warning signs

• Analysts expect earnings per share to shrink about 0.9% a year.
• Analysts expect only about 1.3% a year of growth in revenue.
• The dividend takes 96% of profit: little cushion if profit falls.
• The stock is still below its previous peak.

Strengths

• The net margin rose by 14.1 points over 5 years, to 87.9%.
• The gross margin is 98.2% and has risen by 1.9 points: pricing power is holding.
• Earnings per share grew 14.9% a year over the last 3 years.
• Net profit grew 14% a year over the last 3 years.
• The company keeps 87.9% of its revenue as net profit.
• Free cash flow is 35.5% of revenue: cash for dividends, buybacks or growth.

Next earnings report: 2026-11-03

Similar companies

CS.PA · ZURN.SW · TRYG.CO · G.MI · SLF.TO · POW.TO

Questions

What grade does BB Seguridade Participações S.A. (BBSE3.SA) have?

In our weekly check, BB Seguridade Participações S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 4, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BBSE3.SA stock?

This week's biggest flags for BB Seguridade Participações S.A.: Profits not backed by cash, Margins expected to shrink, Deep past fall. In total 7 of 25 checks show a warning or a red flag.

What does BB Seguridade Participações S.A. do?

BB Seguridade Participações S.A. is a Financial Services company (Insurance - Diversified) based in Brazil, listed on SAO as BBSE3.SA.

When does BB Seguridade Participações S.A. report earnings next?

The next earnings report is expected on 2026-11-03. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

Open the full analysis