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Qualicorp Consulting and Insurance Brokerage (QUAL3) investor relations material
Qualicorp Consulting and Insurance Brokerage Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Achieved strong recurring free cash flow of R$101.8 million in 3Q25, with net revenue up 4.3% sequentially to R$372.6 million and adjusted net income rising 8.8% to R$19.7 million.
Churn rate reached 10.3%, the lowest for a third quarter since 2020, and net portfolio loss was the lowest since 2021.
340 new products launched in the first nine months of 2025, tripling the previous year's figure.
Completed divestment of Gama and assignment of the corporate portfolio, reinforcing focus on Affinity and SME segments.
Emphasis on operational efficiency, cash generation, and a return to core business for sustainable growth.
Financial highlights
Net revenue: R$372.6 million (+4.3% vs. 2Q25), adjusted net income: R$19.7 million (+8.8% vs. 2Q25), recurring free cash flow: R$101.8 million.
Adjusted EBITDA: R$144.2 million (-2.6% vs. 2Q25), margin 38.7%.
EBITDA minus CAC was R$28.7 million, with CAC at 10% of revenue.
Net debt reduced to R$881.2 million, leverage at 1.53x LTM Adjusted EBITDA.
Cash and financial investments at R$488.7 million at quarter-end.
Outlook and guidance
Management remains focused on operational efficiency, commercial realignment, and strategic capital allocation.
Ongoing product launches and price adjustments are expected to support portfolio stabilization and future growth.
Corporate and Gama portfolios will be excluded from results starting 2026.
Expectation that judicial claim expenses will stabilize and decrease as new lawsuit volumes decline.
Continued automation and process improvements are expected to further reduce G&A expenses and improve productivity.
How do recent divestments enhance core growth?
What KPIs confirm 2026 lawsuit expense reduction?
Affinity product strategy vs. SME pricing pressure?
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Next Qualicorp Consulting and Insurance Brokerage earnings date
Q4 202523 Mar, 2026
Next Qualicorp Consulting and Insurance Brokerage earnings date
Q4 202523 Mar, 2026
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