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Porto Seguro
Porto Seguro (PSSA3) investor relations material
Porto Seguro Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved 28% net income growth and 12% revenue growth in 2025, with net income at R$3.4B and revenue at R$41B year-over-year.
ROAE reached 22.7% for the year, up 2.7 p.p. from 2024, with all business verticals posting ROAE above 23%.
Diversification strategy led Health, Bank, and Services to represent nearly half of total results, up 7 p.p. from 2024.
Client base reached 19 million, with 35 million businesses served.
Achieved record customer satisfaction and operational efficiency for the sixth consecutive year.
Financial highlights
Q4 2025 revenue reached R$11B, up 11% year-over-year; net income was R$839M, up 25%.
Full-year 2025 revenue totaled R$41B, up 12%; net income was R$3.4B, up 28%.
ROAE for Q4 was 22.5% (+2.2 p.p.), and for the year 22.7% (+2.7 p.p.).
Number of clients grew 4% to 19 million; number of businesses up 16% to 35 million.
Operational efficiency ratio improved to 10.9% (-0.4 p.p. YoY).
Outlook and guidance
2025 results exceeded guidance, with growth and loss ratios better than expected.
2026 guidance: Porto Seguro earned premium growth of 3–7%, Porto Saúde 14–22%.
Porto Bank revenue expected at R$7.5–7.9B, Porto Serviço at R$2.6–2.9B.
Loss ratio expected to remain favorable, with a focus on balancing growth and profitability.
2026 guidance incorporates new accounting for consortia and card expenses, impacting comparability.
Assess 15-min roadside assistance impact
Detail inflation-linked bond portfolio strategy
Porto Saúde's virtual verticalization strategy
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Next Porto Seguro earnings date
Q1 20267 May, 2026
Porto Seguro
Next Porto Seguro earnings date
Q1 20267 May, 2026
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