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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Qualicorp Consulting and Insurance Brokerage
Qualicorp Consulting and Insurance Brokerage (QUAL3) investor relations material
Qualicorp Consulting and Insurance Brokerage Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Feb, 2026
Executive summary
Achieved recurring free cash flow of R$51.7 million in 4Q25 and R$298.2 million in 2025, reflecting strong cash generation and financial discipline amid operational challenges.
Adjusted EBITDA for 4Q25 was R$149.8 million, with a margin of 41.9%, up 3.2 p.p. sequentially and 5.8 p.p. year-over-year.
Net debt decreased 12% year-over-year, ending at R$853.6 million, with leverage at 1.45x adjusted EBITDA.
Transformation strategy advanced through product launches, exclusivity agreements, and divestments in the corporate segment and Gama.
Focused on customer retention, product quality, and operational efficiency, leveraging technology and AI.
Financial highlights
Core gross revenue for 4Q25 was R$373.8 million, down 1.8% year-over-year; full-year gross revenue was R$1,578.5 million, down 7.6% year-over-year.
Fixed and variable expenses decreased, supporting margin stability; fixed expenses down 6.8% and variable expenses down 22.9% year-over-year in 4Q25.
Adjusted EBITDA - CAC margin expanded to 33.5% in 4Q25.
Adjusted net income was -R$10.5 million in 4Q25, with full-year adjusted net income at R$41.8 million, down 50.5% year-over-year.
Cash and financial investments at year-end were R$889.6 million.
Outlook and guidance
Strong pace of new product launches, with 511 new products in 2025 versus 138 in 2024, and several exclusivity agreements to enhance competitiveness.
Management expects continued efficiency gains through automation and AI, with further reductions in churn and expenses.
Entering 2026 with a more competitive stance and robust product pipeline.
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Next Qualicorp Consulting and Insurance Brokerage earnings date
Q1 202614 May, 2026
Qualicorp Consulting and Insurance Brokerage
Next Qualicorp Consulting and Insurance Brokerage earnings date
Q1 202614 May, 2026
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