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Porto Seguro (PSSA3) investor relations material
Porto Seguro Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Financial performance and growth
Total revenues projected to reach R$41B in 2025, with a CAGR of 19% from 2021 to 2025.
Net profit expected to grow at a CAGR of 22%, reaching R$3.4B in 2025 and consensus of R$3.6–3.7B in 2026.
ROAE projected to increase by 6 percentage points, reaching 23–23.5% in 2026.
Diversification of results with increased contributions from Bank and Health segments.
Digital transformation and customer experience
71% of customer interactions and 48% of broker interactions to be fully digital by December 2025.
Over 434 million digital interactions and 37 million human attendances expected in 2025.
App ratings above 4.7 on major platforms, with 75% end-to-end resolution on the client portal.
Digital sales to represent 3.3% of revenue in 2025, with 84% of digital sales as cross-sell to existing clients.
ESG and sustainability commitments
99% achievement in human capital, 175% in climate strategy, and 105% in sustainable business targets for 2025.
Pioneering insured emissions calculation in Brazil and strong value chain engagement.
Launch of the Regenera sustainability strategy and participation in COP 30.
- Net income up 28% and revenue up 12% in 2025, with robust growth and strong 2026 outlook.PSSA3
Q4 202517 Apr 2026 - Revenue up 13.6% YoY to BRL 9.0bn; net income down 13.6% due to flood impacts.PSSA3
Q2 20242 Feb 2026 - Net income up 32.3% to R$739.1M in 3Q24, led by health and banking growth, with robust profitability.PSSA3
Q3 202415 Jan 2026 - Double-digit growth, record clients, and higher dividends highlight a strong 2024.PSSA3
Q4 202417 Dec 2025 - Net income up 50% year-over-year to R$878 million, with ROAE at 24.6% and strong segment growth.PSSA3
Q2 202523 Nov 2025 - Record net income and 15% revenue growth in 1Q25, with ROAE at 24%.PSSA3
Q1 202520 Nov 2025 - Q3 2025 saw record revenue, 13% profit growth, and robust returns across all business lines.PSSA3
Q3 202511 Nov 2025
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