Totvs S.a. (TOTS3.SA) stock analysis

In our weekly check, Totvs S.a. is graded A (A to F). Of 25 checks on debt, profit, cash flow and trend: 21 pass, warnings: 3, red flags: 1.

About Totvs S.a.

Totvs S.a. is a Technology company (Software - Application) based in Brazil, listed on SAO as TOTS3.SA.

What our checks show for TOTS3.SA

Red flags

• Analysts expect the net margin to shrink by 7 points from today's 22.1%.

Warning signs

• Operating profit covers interest only 3 times: a weak year could make the payments hard.
• The price swings a lot: 44.8% annual volatility. Expect large ups and downs.
• The stock has fallen as much as 50% from a peak. Would you have held through that?

Strengths

• The net margin rose by 9.8 points over 5 years, to 22.1%.
• The gross margin is 70.2% and has risen by 1.1 points: pricing power is holding.
• Analysts expect revenue to grow about 19.4% a year over the next years.
• Revenue grew 19.3% a year over the last 3 years.
• Earnings per share grew 43.8% a year over the last 3 years.
• Net profit grew 42% a year over the last 3 years.

Next earnings report: 2026-11-04

Similar companies

SSNC · 1357.HK · WKL.AS · DT · U · ACP.WA

Questions

What grade does Totvs S.a. (TOTS3.SA) have?

In our weekly check, Totvs S.a. is graded A (A to F). Of 25 checks on debt, profit, cash flow and trend: 21 pass, warnings: 3, red flags: 1. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of TOTS3.SA stock?

This week's biggest flags for Totvs S.a.: Margins expected to shrink, Weak interest cover, Very volatile. In total 4 of 25 checks show a warning or a red flag.

What does Totvs S.a. do?

Totvs S.a. is a Technology company (Software - Application) based in Brazil, listed on SAO as TOTS3.SA.

When does Totvs S.a. report earnings next?

The next earnings report is expected on 2026-11-04. 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 2026-10-31

Open the full analysis