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Alper Consultoria e Corretora de Seguros S.A. (APER3.SA)
Key financial summary
Financials in BRL| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | BRL m | 88 | 91 | 104 | 147 | 243 | 319 | 356 |
| Operating profit | BRL m | 20 | 9 | |||||
| Net profit | BRL m | -164 | 3 | -1 | 4 | 27 | -7 | -29 |
| EPS reported | BRL | -0.34 | -1.50 | |||||
| Operating cashflow per share | BRL | 2.05 | 2.05 | |||||
| Capex per share | BRL | 1.18 | 1.18 | |||||
| FCF per share | BRL | 0.87 | 0.87 | |||||
| Free cash flow | BRL m | 17 | 18 | |||||
| Net debt | BRL m | 11 | 69 | |||||
| Book value equity | BRL m | 469 | 472 | |||||
| Book value per share | BRL | 23.95 | 23.16 | |||||
| Number of shares | m | 19.58 | 20.39 | |||||
| DPS (TTM paid) | BRL | 0.37 | 0.00 |
Financial summary
Financials in BRL| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | - | - | |||||
| P/B LTM | x | 1.81 | 2.02 | |||||
| P/S LTM | x | 2.66 | 2.68 | |||||
| P/FCF LTM | x | 49.91 | 51.72 | |||||
| EV/EBITDA LTM | x | 70.77 | 92.01 | |||||
| EV/Sales LTM | x | 2.85 | 2.87 | |||||
| Earnings Yield LTM | % | -0.77% | -0.72% | |||||
| FCF Yield | % | 2.00% | 1.93% | |||||
| Quality | ||||||||
| ROE | % | -1.40% | -1.40% | |||||
| ROIC | % | 1.36% | 1.36% | |||||
| Operating margin | % | 6.21% | 6.21% | |||||
| Gross margin | % | 57.04% | 57.04% | |||||
| FCF/Sales | % | 5.32% | 5.32% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | - | |||||
| Sales Growth YoY | % | +31.14% | +25.16% | |||||
| Net Income Growth YoY | % | - | - | |||||
| FCF Growth | % | +208.44% | +13.18% | |||||
| Operating Profit Growth | % | -21.87% | -72.57% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.85% | 0.00% | |||||
| Dividend Growth | % | - | - | |||||
| Payout Ratio | % | -109.82% | -24.35% | |||||
| FCF/Debt | x | 0.28 | 0.09 | |||||
| Net Debt/EBITDA | x | 4.68 | 4.68 | |||||
| EBIT/Net interest | x | 5.06 | 5.06 | |||||
| Net debt/market cap | % | 1.35% | 7.29% | |||||
| Net debt/Equity | x | 0.02 | 0.15 | |||||
| Gross debt/equity | x | 0.13 | 0.43 | |||||
Company overview
Alper Consultoria e Corretora de Seguros S.A. operates as a prominent insurance brokerage firm in Brazil, headquartered in São Paulo. The company delivers a comprehensive array of insurance services, addressing various needs. For corporate clients, it offers risk management solutions including loss guarantees, financial lines, patrimonial coverage, and educational insurance. Alper also facilitates corporate health benefits tailored for businesses ranging from small to large enterprises. Its portfolio further extends to auto insurance for both individual vehicles and commercial fleets, alongside cargo insurance for both domestic and international logistics. Through its retail partnerships, the company makes personal insurance products accessible. Additionally, Alper provides specialized policies for health, dental, life, civil liability, and engineering risks. Established in 2010, the firm was previously known as BR Insurance Corretora de Seguros S.A. before adopting its current name in December 2018.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Alper Consultoria e Corretora de Seguros S.A. (APER3.SA)
Alper Consultoria e Corretora de Seguros S.A. operates as a prominent insurance brokerage firm in Brazil, headquartered in São Paulo. The company delivers a comprehensive array of insurance services, addressing various needs. For corporate clients, it offers risk management solutions including loss guarantees, financial lines, patrimonial coverage, and educational insurance. Alper also facilitates corporate health benefits tailored for businesses ranging from small to large enterprises. Its portfolio further extends to auto insurance for both individual vehicles and commercial fleets, alongside cargo insurance for both domestic and international logistics. Through its retail partnerships, the company makes personal insurance products accessible. Additionally, Alper provides specialized policies for health, dental, life, civil liability, and engineering risks. Established in 2010, the firm was previously known as BR Insurance Corretora de Seguros S.A. before adopting its current name in December 2018.
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