)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Caixa Seguridade Participações (CXSE3) investor relations material
Caixa Seguridade Participações Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Achieved record managerial net income of BRL 1.14 billion in 3Q25, up 13.4% year-over-year, with ROE at 69.2% and strong policyholder retention in mortgage and home insurance.
Active ESG engagement, including participation in COP30, financial education initiatives, and expansion of social programs.
Board approved BRL 1.05 billion in dividends (92.1% payout), with payment scheduled for January 2026.
Emphasis on innovation, digital transformation, and sustainable growth, with new product launches and digital platforms.
Financial highlights
Operating revenues reached BRL 1.51 billion in 3Q25, up 13.6% year-over-year and 9.2% sequentially.
Managerial net income for 3Q25 was BRL 1.14 billion (+13.4% YoY), with accounting net income at BRL 3.22 billion for 2025 (+23.9% YoY).
ROE reached 69.2%, up 6.3 percentage points year-over-year.
Dividend payout ratio stood at 92.1%, with BRL 1.05 billion distributed.
Financial result for 3Q25 grew 74.6% year-over-year, driven by higher SELIC rates and increased investment balances.
Outlook and guidance
Sustained growth expected in mortgage, home, and life insurance, supported by high renewal rates, bundled products, and digital initiatives.
Private pension reserves projected to grow, supported by commercial actions and high net inflows.
Ongoing commitment to high dividend payouts and value delivery to shareholders.
Monitoring legislative changes, such as IOF tax and dividend taxation, and adjusting campaigns accordingly.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Caixa Seguridade Participações earnings date
Q4 202517 Feb, 2026
Next Caixa Seguridade Participações earnings date
Q4 202517 Feb, 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