Cash flow BB Seguridade Participações S.A.

Stocks

BBSE3

BRBBSEACNOR5

Multiline Insurance & Brokers

Delayed Sao Paulo Other stock markets 20:38:16 22/07/2026 BST			5-day change	1st Jan Change
42.73 ^BRL	+9.09%		+4.99%	+18.23%

05-05	BB Seguridade Participações S.A., Q1 2026 Earnings Call, May 05, 2026
05-05	BB Seguridade Participações S.A. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: BB SEGURIDADE PARTICIPAÇÕES S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Revenues	3.5B	4.14B	4.42B	4.87B	4.99B
Other Revenues, Total	1.83B	3.36B	4.89B	5.31B	5.34B
Total Revenues	5.33B	7.51B	9.31B	10.18B	10.34B
Cost of Goods Sold, Total	194M	206M	189M	172M	183M
Gross Profit	5.13B	7.3B	9.13B	10.01B	10.15B
Selling General & Admin Expenses, Total	101M	124M	175M	195M	210M
Other Operating Expenses	73.42M	106M	31.34M	32.96M	68.96M
Other Operating Expenses, Total	175M	231M	206M	228M	279M
Operating Income	4.96B	7.07B	8.92B	9.78B	9.87B
Interest Expense, Total	-1.04M	-1.17M	-1.94M	-1.86M	-2.19M
Interest And Investment Income	-	-	-	-	-
Net Interest Expenses	-1.04M	-1.17M	-1.94M	-1.86M	-2.19M
Other Non Operating Income (Expenses)	9.97M	2.11M	-54.7M	-15.88M	-64.15M
EBT, Excl. Unusual Items	4.97B	7.07B	8.86B	9.76B	9.81B
Gain (Loss) On Sale Of Investments	138M	502M	644M	671M	1.14B
Asset Writedown	-	-	-	-	-
Legal Settlements	2.57M	1.53M	-16.12M	-22.42M	-7.75M
Other Unusual Items	-27.68M	-25.16M	1.83M	-	-
EBT, Incl. Unusual Items	5.08B	7.55B	9.49B	10.41B	10.94B
Income Tax Expense	1.15B	1.5B	1.55B	1.71B	1.92B
Earnings From Continuing Operations	3.93B	6.04B	7.95B	8.7B	9.02B
Net Income to Company	3.93B	6.04B	7.95B	8.7B	9.02B
Net Income - (IS)	3.93B	6.04B	7.95B	8.7B	9.02B
Net Income to Common Incl Extra Items	3.93B	6.04B	7.95B	8.7B	9.02B
Net Income to Common Excl. Extra Items	3.93B	6.04B	7.95B	8.7B	9.02B
Per Share Items
Net EPS - Basic	1.97	3.03	3.99	4.46	4.65
Basic EPS - Continuing Operations	1.97	3.03	3.99	4.46	4.65
Basic Weighted Average Shares Outstanding	2B	2B	1.99B	1.95B	1.94B
Net EPS - Diluted	1.97	3.03	3.99	4.46	4.65
Diluted EPS - Continuing Operations	1.97	3.03	3.99	4.46	4.65
Diluted Weighted Average Shares Outstanding	2B	2B	1.99B	1.95B	1.94B
Normalized Basic EPS	1.55	2.21	2.78	3.12	3.16
Normalized Diluted EPS	1.55	2.21	2.78	3.12	3.16
Dividend Per Share	1.44	2.91	2.87	3.71	4.53
Payout Ratio	50.61	64.95	87.59	59.67	91.75
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
EBITDA	4.96B	7.07B	8.92B	9.78B	9.87B
EBITA	4.96B	7.07B	8.92B	9.78B	9.87B
EBIT	4.96B	7.07B	8.92B	9.78B	9.87B
EBITDAR	4.96B	7.07B	8.93B	9.79B	9.88B
Total Revenues (As Reported)	5.33B	7.51B	9.31B	10.18B	10.34B
Effective Tax Rate - (Ratio)	22.57	19.92	16.29	16.4	17.58
Current Domestic Taxes	1.17B	1.48B	1.55B	1.72B	1.92B
Total Current Taxes	1.17B	1.48B	1.55B	1.72B	1.92B
Total Deferred Taxes	-19.01M	27.65M	-5.47M	-15.71M	1.07M
Normalized Net Income	3.1B	4.42B	5.54B	6.1B	6.13B
Supplemental Operating Expense Items
Advertising Expense	733K	2.99M	6.19M	596K	10M
Marketing Expenses	-	-	-	-	-
Selling and Marketing Expenses	733K	2.99M	6.19M	596K	10M
General and Administrative Expenses	-	-	-	-	-
Net Rental Expense, Total	4.29M	4.98M	5.26M	5.46M	5.29M
Stock-Based Comp., Other (Total)	741K	658K	1.12M	1.22M	1.51M
Total Stock-Based Compensation	741K	658K	1.12M	1.22M	1.51M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	4.09B	6.08B	4.75B	7.79B	8.86B
Short Term Investments	-	-	-	719M	1.19B
Total Cash And Short Term Investments	4.09B	6.08B	4.75B	8.51B	10.04B
Accounts Receivable, Total	1.03B	1.11B	1.13B	1.29B	1.33B
Other Receivables	8.65M	29.65M	52.81M	110M	5.24M
Total Receivables	1.03B	1.14B	1.18B	1.4B	1.34B
Other Current Assets, Total	264K	574K	129K	62K	357K
Total Current Assets	5.13B	7.22B	5.93B	9.91B	11.38B
Gross Property Plant And Equipment	74K	-	-	-	-
Accumulated Depreciation	-34K	-	-	-	-
Net Property Plant And Equipment	40K	47K	24K	12K	6K
Long-term Investments	7.15B	7.89B	10.94B	9.9B	9.88B
Other Intangibles, Total	4.96M	4.02M	3.58M	2.79M	1.91M
Accounts Receivable Long-Term	698M	709M	1.05B	1.39B	1.41B
Deferred Tax Assets Long-Term	35.42M	7.77M	13.24M	28.95M	159M
Other Long-Term Assets, Total	298M	303M	336M	396M	267M
Total Assets	13.31B	16.13B	18.27B	21.62B	23.1B
Liabilities
Accrued Expenses, Total	4.01M	3.93M	3.98M	530K	5.19M
Current Income Taxes Payable	763M	964M	951M	1.12B	1.14B
Unearned Revenue Current, Total	1.17B	1.76B	1.95B	2.63B	2.67B
Other Current Liabilities	2.06B	3.78B	2.57B	4.53B	5.09B
Total Current Liabilities	4B	6.51B	5.48B	8.28B	8.91B
Unearned Revenue Non Current	1.79B	1.79B	2.74B	3.39B	3.54B
Deferred Tax Liability Non Current	229M	229M	229M	229M	229M
Other Non Current Liabilities	10.42M	9.45M	14.11M	22.39M	35.72M
Total Liabilities	6.03B	8.53B	8.46B	11.92B	12.71B
Common Stock, Total	3.4B	6.27B	6.27B	6.27B	6.27B
Retained Earnings	4.12B	1.55B	4.45B	6.04B	6.34B
Treasury Stock	-81.32M	-80.34M	-704M	-1.87B	-1.87B
Comprehensive Income and Other	-157M	-145M	-196M	-744M	-355M
Total Common Equity	7.28B	7.6B	9.82B	9.7B	10.38B
Total Equity	7.28B	7.6B	9.82B	9.7B	10.38B
Total Liabilities And Equity	13.31B	16.13B	18.27B	21.62B	23.1B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2B	2B	1.98B	1.94B	1.94B
ECS Total Common Shares Outstanding	2B	2B	1.98B	1.94B	1.94B
Book Value / Share	3.65	3.8	4.97	4.99	5.35
Tangible Book Value	7.28B	7.59B	9.81B	9.69B	10.38B
Tangible Book Value Per Share	3.64	3.8	4.96	4.99	5.35
Total Debt	0	0	0	0	0
Net Debt	-4.09B	-6.08B	-4.75B	-8.51B	-10.04B
Debt Equivalent Oper. Leases	34.3M	39.83M	42.1M	43.67M	42.34M
Equity Method Investments, Total	7.14B	7.52B	9.33B	8.83B	9.03B
Account Code - Inventory Valuation	3	3	3	3	3
Machinery, Total	74K	-	-	-	-
Full Time Employees	167	196	222	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	3.93B	6.04B	7.95B	8.7B	9.02B
Depreciation & Amortization - CF	259K	422K	453K	364K	391K
Depreciation & Amortization, Total	259K	422K	453K	364K	391K
Amortization of Deferred Charges, Total - (CF)	808K	863K	850K	904K	940K
(Gain) Loss on Sale of Investments - (CF)	-	-3.2M	-150M	-173M	-253M
(Income) Loss On Equity Investments - (CF)	-1.83B	-3.36B	-4.89B	-5.31B	-5.34B
Other Operating Activities, Total	-5.32M	24.83M	93.77M	1.61B	1.73B
Change in Trading Asset Securities	-9.02M	-4.05M	-2.96M	-7.76M	45K
Change In Accounts Receivable	92.48M	-98.65M	-352M	-499M	-66.56M
Change in Unearned Revenues	422M	581M	1.14B	1.33B	197M
Change In Income Taxes	90.29M	218M	-65.12M	-1.41B	-1.6B
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets	131M	-125M	-24.24M	-20.36M	27.64M
Cash from Operations	2.83B	3.28B	3.7B	4.22B	3.71B
Capital Expenditure	-286K	-	-414K	-109K	-58K
Sale of Property, Plant, and Equipment	-	75K	-	-	-
Cash Acquisitions	-	-	-	-	-
Divestitures	-	-	-	-	-
Sale (Purchase) of Intangible assets	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-60.77M	-348M	-1.09B	-	43K
Other Investing Activities, Total	1.12B	2.98B	3.65B	5.17B	5.63B
Cash from Investing	1.06B	2.64B	2.56B	5.17B	5.63B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-	-624M	-1.17B	-
Common Dividends Paid	-1.99B	-3.93B	-6.96B	-5.19B	-8.27B
Common & Preferred Stock Dividends Paid	-1.99B	-3.93B	-6.96B	-5.19B	-8.27B
Special Dividend Paid	-	-	-	-	-
Cash from Financing	-1.99B	-3.93B	-7.59B	-6.36B	-8.27B
Net Change in Cash	1.9B	1.99B	-1.32B	3.04B	1.07B
Supplemental Items
Cash Income Tax Paid (Refund)	699M	793M	935M	976M	-
Levered Free Cash Flow	4.39B	6.82B	4.51B	8.7B	6.86B
Unlevered Free Cash Flow	4.39B	6.82B	4.51B	8.7B	6.86B
Change In Net Working Capital	-1.29B	-2.4B	1.07B	-2.58B	-687M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	25.59	30.01	32	30.65	27.6
Return on Total Capital	45.33	59.4	62.45	62.65	61.46
Return On Equity %	57.54	81.26	89.03	89.21	89.81
Return on Common Equity	57.54	81.26	89.03	89.21	89.81
Margin Analysis
Gross Profit Margin %	96.36	97.26	97.97	98.31	98.23
SG&A Margin	1.9	1.66	1.88	1.92	2.04
EBITDA Margin %	93.08	94.19	95.77	96.07	95.53
EBITA Margin %	93.08	94.18	95.76	96.07	95.53
EBIT Margin %	93.08	94.18	95.76	96.07	95.53
Income From Continuing Operations Margin %	73.85	80.53	85.32	85.49	87.25
Net Income Margin %	73.85	80.53	85.32	85.49	87.25
Net Avail. For Common Margin %	73.85	80.53	85.32	85.49	87.25
Normalized Net Income Margin	58.28	58.87	59.47	59.93	59.31
Levered Free Cash Flow Margin	82.4	90.85	48.41	85.44	66.37
Unlevered Free Cash Flow Margin	82.41	90.86	48.42	85.45	66.38
Asset Turnover
Asset Turnover	0.44	0.51	0.53	0.51	0.46
Fixed Assets Turnover	115K	173K	262K	566K	1.09M
Receivables Turnover (Average Receivables)	3.18	3.87	3.95	4.03	3.81
Short Term Liquidity
Current Ratio	1.28	1.11	1.08	1.2	1.28
Quick Ratio	1.28	1.11	1.08	1.2	1.28
Operating Cash Flow to Current Liabilities	0.71	0.5	0.68	0.51	0.42
Days Sales Outstanding (Average Receivables)	114.87	94.31	92.49	90.79	95.74
Long Term Solvency
Total Liabilities / Total Assets	45.31	52.91	46.28	55.15	55.04
EBIT / Interest Expense	4.76K	6.04K	4.6K	5.26K	4.52K
EBITDA / Interest Expense	4.76K	6.04K	4.6K	5.26K	4.52K
(EBITDA - Capex) / Interest Expense	4.76K	6.04K	4.6K	5.26K	4.52K
Net Debt / EBITDA	-0.83	-0.86	-0.53	-0.87	-1.02
Net Debt / (EBITDA - Capex)	-0.83	-0.86	-0.53	-0.87	-1.02
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	3.78	40.93	21.64	9.29	1.53
Gross Profit, 1 Yr. Growth %	3.58	42.24	22.47	9.66	1.52
EBITDA, 1 Yr. Growth %	3.06	42.57	23.51	9.61	0.95
EBITA, 1 Yr. Growth %	3.08	42.59	23.53	9.62	0.96
EBIT, 1 Yr. Growth %	3.08	42.59	23.53	9.62	0.96
Earnings From Cont. Operations, 1 Yr. Growth %	2.14	53.68	28.25	9.51	3.61
Net Income, 1 Yr. Growth %	2.14	53.68	28.25	9.51	3.61
Normalized Net Income, 1 Yr. Growth %	3.72	42.37	22.73	10.12	0.46
Diluted EPS Before Extra, 1 Yr. Growth %	2.14	53.68	28.47	11.76	4.26
Accounts Receivable, 1 Yr. Growth %	-12.59	8.59	1.24	14.1	3.56
Net Property, Plant and Equip., 1 Yr. Growth %	-24.53	17.5	-48.94	-50	-53.85
Total Assets, 1 Yr. Growth %	22.15	21.15	10.27	18.29	6.86
Tangible Book Value, 1 Yr. Growth %	13.98	4.34	22.16	-1.23	7.12
Common Equity, 1 Yr. Growth %	13.96	4.32	22.15	-1.23	7.11
Cash From Operations, 1 Yr. Growth %	23.68	15.9	12.91	14.22	-12.14
Capital Expenditures, 1 Yr. Growth %	-19.89	-	-	-73.67	-46.79
Levered Free Cash Flow, 1 Yr. Growth %	-273.1	55.38	-34.78	92.84	-21.13
Unlevered Free Cash Flow, 1 Yr. Growth %	-273.16	55.37	-34.77	92.82	-21.13
Dividend Per Share, 1 Yr. Growth %	6.6	102.67	-0.24	29.35	22.08
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-0.6	20.94	32.25	15.3	5.34
Gross Profit, 2 Yr. CAGR %	-0.7	21.38	33.35	15.89	5.48
EBITDA, 2 Yr. CAGR %	-1.36	21.23	34.12	16.37	5.19
EBITA, 2 Yr. CAGR %	-1.35	21.24	34.14	16.38	5.2
EBIT, 2 Yr. CAGR %	-1.35	21.24	34.14	16.38	5.2
Earnings From Cont. Operations, 2 Yr. CAGR %	-23.14	25.29	42.15	18.51	6.52
Net Income, 2 Yr. CAGR %	-23.14	25.29	42.15	18.51	6.52
Normalized Net Income, 2 Yr. CAGR %	-1.08	21.52	33.59	16.26	5.18
Diluted EPS Before Extra, 2 Yr. CAGR %	-23.15	25.29	42.26	19.82	7.94
Accounts Receivable, 2 Yr. CAGR %	1.47	-2.58	4.85	7.48	8.7
Net Property, Plant and Equip., 2 Yr. CAGR %	-4.65	-5.83	-22.54	-49.47	-50
Total Assets, 2 Yr. CAGR %	-5.56	21.65	17.15	14.21	12.43
Tangible Book Value, 2 Yr. CAGR %	17.81	9.05	16.13	9.85	2.86
Common Equity, 2 Yr. CAGR %	17.78	9.03	16.11	9.84	2.85
Cash From Operations, 2 Yr. CAGR %	77.76	19.73	14.39	13.56	0.17
Capital Expenditures, 2 Yr. CAGR %	-46.01	-	20.31	-	-62.57
Levered Free Cash Flow, 2 Yr. CAGR %	-12.04	64.01	1.36	12.16	23.32
Unlevered Free Cash Flow, 2 Yr. CAGR %	-12.03	64.03	1.37	12.16	23.32
Dividend Per Share, 2 Yr. CAGR %	-28.18	46.99	41.24	13.6	25.66
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	5.67	11.67	21.98	24.1	10.51
Gross Profit, 3 Yr. CAGR %	5.84	11.94	22.58	24.93	10.86
EBITDA, 3 Yr. CAGR %	5.54	11.54	22.86	25.41	10.99
EBITA, 3 Yr. CAGR %	5.54	11.54	22.87	25.41	10.99
EBIT, 3 Yr. CAGR %	5.54	11.54	22.87	25.41	10.99
Earnings From Cont. Operations, 3 Yr. CAGR %	3.58	-3.17	27.32	30.31	13.32
Net Income, 3 Yr. CAGR %	3.58	-3.17	27.32	30.31	13.32
Normalized Net Income, 3 Yr. CAGR %	5.83	11.68	22.79	25.27	10.74
Diluted EPS Before Extra, 3 Yr. CAGR %	3.58	-3.18	27.39	31.27	14.39
Accounts Receivable, 3 Yr. CAGR %	10.5	3.79	-1.32	7.85	6.16
Net Property, Plant and Equip., 3 Yr. CAGR %	-	2.22	-23.21	-33.06	-49.65
Total Assets, 3 Yr. CAGR %	-0.77	2.62	18.79	17.53	11.71
Tangible Book Value, 3 Yr. CAGR %	2.16	13.14	15.41	10.03	8.93
Common Equity, 3 Yr. CAGR %	2.15	13.11	15.39	10.01	8.92
Cash From Operations, 3 Yr. CAGR %	24.33	54.14	17.41	14.34	4.25
Capital Expenditures, 3 Yr. CAGR %	-	-	5.06	-27.5	-
Levered Free Cash Flow, 3 Yr. CAGR %	-4.02	6.33	21.16	25.61	-0.26
Unlevered Free Cash Flow, 3 Yr. CAGR %	-4.02	6.33	21.18	25.61	-0.26
Dividend Per Share, 3 Yr. CAGR %	-0.46	1.49	28.6	37.16	16.35
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-0.21	8.42	15.59	13.56	15.03
Gross Profit, 5 Yr. CAGR %	-0.23	8.47	16.09	13.97	15.43
EBITDA, 5 Yr. CAGR %	-	9.81	16.16	13.93	15.47
EBITA, 5 Yr. CAGR %	0.86	9.81	16.17	13.93	15.47
EBIT, 5 Yr. CAGR %	0.86	9.81	16.17	13.93	15.47
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.41	8.34	17.56	5.5	18.55
Net Income, 5 Yr. CAGR %	-0.41	8.34	17.56	5.5	18.55
Normalized Net Income, 5 Yr. CAGR %	-0.15	9.97	16.16	13.98	15.42
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.41	8.34	17.6	5.96	19.22
Accounts Receivable, 5 Yr. CAGR %	4.47	8.69	8.2	5.25	2.57
Net Property, Plant and Equip., 5 Yr. CAGR %	-	-	-	-22.88	-35.32
Total Assets, 5 Yr. CAGR %	1.2	3.88	6.04	7.69	16.21
Tangible Book Value, 5 Yr. CAGR %	-2.56	-3.11	7.53	13.08	10.21
Common Equity, 5 Yr. CAGR %	-2.56	-3.12	7.52	13.06	10.2
Cash From Operations, 5 Yr. CAGR %	6.14	14.64	20.25	36.41	10.19
Capital Expenditures, 5 Yr. CAGR %	-	-	-	-35.56	-30.47
Levered Free Cash Flow, 5 Yr. CAGR %	5.66	16.92	-1.9	8.93	22.03
Unlevered Free Cash Flow, 5 Yr. CAGR %	5.66	16.88	-1.9	8.93	22.04
Dividend Per Share, 5 Yr. CAGR %	-2.77	11.02	14.5	5.89	27.42