)
Visual
test
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.
Celebrated 80th anniversary with record satisfaction and operational efficiency gains for the sixth consecutive year.
Financial highlights
Q4 2025 revenue reached R$11B, up 11% YoY; net income was R$839M, up 25% YoY; ROAE at 22.5%, up 2.2 p.p.
Full-year 2025 revenue was R$41B, up 12%; net income R$3.4B, up 28%; ROAE at 22.7%, up 2.7 p.p.
Client base reached 19 million, with 35 million businesses served; cross-selling increased from 1.7 to 1.9 businesses per client.
Net income diversification: insurance contributed 51%, healthcare 18%, bank 25%, and service 7% in 2025.
Operational efficiency ratio improved to 10.9% (-0.4 p.p. YoY).
Outlook and guidance
2025 results delivered at the high end of guidance; 2026 guidance expects further growth, with premium growth range widened to reflect acceleration in issued premiums.
2026 guidance: Porto Seguro earned premium growth of 3–7%, Porto Saúde 14–22%, Porto Bank revenue R$7.5–7.9B, Porto Serviço R$2.6–2.9B.
Projected loss ratios: Porto Seguro 50.5–54.5%, Porto Saúde 72–77%; financial result guidance R$1.4–1.8B, effective rate 28–32%.
Favorable loss ratio outlook for 2026, with continued focus on balancing growth and profitability.
Bank guidance incorporates new accounting for consortia and card expenses, impacting comparability with 2025.
Assess 15-min roadside assistance impact
Detail inflation-linked bond portfolio strategy
Porto Saúde's virtual verticalization strategy
Porto Bank 2026 adjusted revenue growth
Capital allocation strategy for excess cash
Auto insurance strategy amid market competition
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebJ
Strong growth, digital innovation, and margin expansion drive robust multi-year financial outlook. - 6 Feb004020
Operating profit rose on cost savings and high-value sales, with major US expansion underway. - 6 FebJOUT
Net sales up 31%, gross margin at 36.6%, and net loss narrowed to $3.3 million. - 6 FebPECO
Record 2025 occupancy and 7% Core FFO growth; 2026 targets 5.5% FFO growth and strong acquisitions. - 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
Next Porto Seguro earnings date
Q1 20267 May, 2026
Porto Seguro
Next Porto Seguro earnings date
Q1 20267 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage