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B3 S.A (B3SA3) Fair Value & Analysis

Financial Services · BR · Market cap R$76.0B

BS B3 S.A B3SA3 · SA
PriceR$15.36
Fair ValueR$11.57
Upside-24.7%
Quality63/100
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Expensive Growth
Highly profitable · 47.0% net margin
Moderate debt · generates free cash flow
2.00% dividend yield
Ranks above peers (10/15)
Wide moat 86/100
Evidence: High Range R$7.03 – R$21.08 Share as image

Fair value as of: Jul 19, 2026

From 24 valuation models · updated 19 days ago

Fair value updated Jul 19, 2026, revised from R$11.54 to R$11.57 (+0.3%) since Jun 26, 2026. Share price +5.7% over the past month.

A solid business, but screening 25% overvalued on our models.

What matters now

  • The model range is unusually wide (R$7.03 to R$21.08). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

R$19.54 R$8.62 Fair Value R$11.57 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 19, 2026.

How to read this chart

60‑month range R$8.62 – R$19.54 · fair‑value band R$7.03 – R$21.08 · the R$15.36 price screens above the R$11.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.

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Analysis

B3 S.A (B3SA3) currently trades at R$15.36, while our model-based Fair Value estimate is R$11.57, implying the stock looks roughly 24.7% overvalued today. We read business quality at 63/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, B3 S.A generated revenue of R$10.6B at a net margin of 47.0%. Revenue grew 20.3% year over year. It earns a return on equity of 26.7%. Net debt stands at R$13.3B. Fundamentals as of Jul 19, 2026

Our scenario range runs from R$7.03 (bear case) to R$21.08 (bull case); at R$15.36, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 24% below its 52-week high and 32% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -53% fair-value upside, at -25%, B3SA3 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Residual Income R$6.26 R$8.47 R$51.88 76
Rev-Margin DCF R$0.1500 R$3.05 R$7.10 74
ROIC Compounder R$6.66 R$10.83 R$15.11 72
All 24 models by family
DCF Models
Owner Earnings R$11.26 R$25.50 R$52.80 31
5Y Revenue Exit R$0.1500 R$3.24 R$7.79 39
5Y EBITDA Exit R$6.63 R$17.58 R$32.48 41
5Y P/E Exit R$6.80 R$17.96 R$31.82 38
10Y Revenue Exit R$2.07 R$6.97 36
10Y EBITDA Exit R$3.88 R$13.03 R$29.17 37
10Y P/E Exit R$4.00 R$13.32 R$28.57 35
Earnings-Based
Graham-Dodd R$6.24 R$36.35 R$50.59 54
Lynch FV R$10.28 R$14.69 R$19.09 50
PEG = 1.0 R$10.28 R$14.69 R$19.09 46
EPV R$5.47 R$6.80 R$7.96 59
Dividend Discount
Gordon GGM R$2.65 R$5.52 R$8.75 70
DDM Multi-Stage R$2.65 R$4.65 R$5.79 61
Multiples
P/E Multiple R$13.76 R$18.35 R$22.94 63
P/S Multiple R$3.78 R$5.04 R$6.29 58
P/B Multiple R$7.85 R$10.47 R$13.09 55
EV/EBIT R$15.17 R$21.05 R$26.94 53
EV/EBITDA R$11.01 R$15.52 R$20.02 54
EV/Revenue R$1.03 R$2.54 R$4.05 43
Asset-Based
NCAV (Graham) R$1.74 R$2.34 R$3.49 50
Growth DCF
Rev-Margin DCF R$0.1500 R$3.05 R$7.10 74
Economic Profit
Residual Income R$6.26 R$8.47 R$51.88 76
ROIC Compounder R$6.66 R$10.83 R$15.11 72
Growth Earnings
Growth-Adj P/E R$14.80 R$21.15 R$27.49 68

Widest divergence: Growth Earnings (R$21.15) versus Asset-Based (R$2.34). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) R$10.6B
Revenue growth (YoY) +20.3%
Net margin 47.0%
Return on equity 26.7%
Free cash flow R$160M FY2025
P/E ratio 16.5
More key figures
Operating margin 67.3%
EPS (TTM) R$0.9200
Dividend yield 2.0%
EPS growth (YoY) +38.9%
Net debt R$13.3B FY2025

Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 63/100

Of which business quality 55 · Market factors (momentum, volatility) 55

Profitability 57
Margins and returns on capital today
Quality Growth 54
Are margins and returns improving?
Cashflow 19
Earnings quality: real cash, not paper profit
Fin. Strength 36
Balance sheet, leverage, solvency risk
Investment 98
Disciplined investing over empire-building
Low Volatility 78
Calm price path (market factor)
Momentum 41
Price trend over the last 3–12 months (market factor)
52W Momentum 54
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

B3 S.A. - Brasil, Bolsa, Balcão, a financial market infrastructure company, provides trading services in an exchange and OTC environment. It operates through Markets, Data analytics solutions, Capital Market solutions, and Technology and platform segments.

Full company description

B3 S.A. - Brasil, Bolsa, Balcão, a financial market infrastructure company, provides trading services in an exchange and OTC environment. It operates through Markets, Data analytics solutions, Capital Market solutions, and Technology and platform segments. The company organized markets for securities, such as equities, financial contracts, indices, rates, currencies, energy, transportation, commodities, and spot and future settlement transactions. It also provides technological solutions for insurance, reinsurance, pension, and capitalization bond markets; data processing and analytics services, including standardization, quotations, and statistics; supports credit, financing, and leasing transactions in automotive, real estate, energy, and agribusiness sectors; and operates trading systems and clearinghouses. In addition, the company organized an over-the-counter market, and acts as a clearing ang settlement house. The company was formerly known as BM&FBOVESPA S.A. - Bolsa de Valores, Mercadorias e Futuros and changed its name to B3 S.A. - Brasil, Bolsa, Balcão in June 2017. B3 S.A. - Brasil, Bolsa, Balcão was incorporated in 2007 and is headquartered in São Paulo, Brazil.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

B3 S.A reported revenue of R$10.1B in FY2025 versus R$9.1B in FY2021, a compound +2.7%/yr. Reported net income was R$4.6B in FY2025, compounding −0.7%/yr from FY2021.

Growth Quality 57/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
R$10.1B
Latest YoY
+6.8%
Avg. growth/yr (3Y)
+3.5%
Avg. growth/yr (5Y)
+4.4%
Avg. growth/yr (21Y)
+17.6%
Revenue +2.7%/yr
FY21 R$9.1B
FY22 R$9.1B
FY23 R$8.9B
FY24 R$9.4B
FY25 R$10.1B
Net income −0.7%/yr
FY21 R$4.7B
FY22 R$4.2B
FY23 R$4.1B
FY24 R$4.6B
FY25 R$4.6B

B3SA3 screens 25% overvalued. Compare with S&P Global Inc →

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Cite: Fair Value Calculator (2026). "B3 S.A Fair Value". https://www.fairvalue-calculator.com/stock/B3SA3

Peer Group

Financial Data & Stock Exchanges · 55 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 62 · Below median
Fair Value upside −25% · Top 25%
Return on equity (TTM) 27% · Above median
Return on assets 9% · Above median
Net margin (TTM) 47% · Top 25%
Operating margin (TTM) 67% · Top 25%
Revenue growth 20% · Above median
Dividend yield (TTM) 2.0% · Above median
Debt / equity 0.81× · Higher than 75% of peers

Valuation Multiples vs Financial Data & Stock Exchanges median · lower = cheaper

P/E (TTM) 16.5× · Cheaper than 75% of peers
P/B 4.36× · Pricier than median
P/S (TTM) 7.20× · Pricier than median
P/FCF 92.9× · Pricier than 75% of peers
EV/EBITDA 12.3× · Cheaper than median
PEG 1.21× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0 · sector 0
FUTURE 100 · sector 69
PAST 100 · sector 77
HEALTH 60 · sector 95
DIVIDEND 40 · sector 32

VALUE 0: the price sits above our fair-value range.

Insider activity: 35/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Financial Data & Stock Exchanges stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).

Stock Price Fair Value vs Fair Value
S&P Global Inc SPGI $450.84 $196.36 -56%
CME Group CME $245.05 $145.51 -41%
Moody's Corporation MCO $504.46 $194.82 -61%
Intercontinental Exchange, Inc ICE $139.65 $75.95 -46%
Deutsche Börse AG DB1 €260.90 €142.42 -45%
Nasdaq, Inc NDAQ $88.08 $41.12 -53%
MSCI Inc MSCI $604.71 $214.91 -64%
Coinbase Global, Inc COIN $160.49 $57.05 -64%
Cboe Global Markets, Inc CBOE $273.41 $136.64 -50%
Hithink RoyalFlush Information Network Co 300033 ¥215.56 ¥55.36 -74%

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Frequently asked questions

Is B3 S.A (B3SA3) overvalued or undervalued?
As of Jul 19, 2026, our model estimates a fair value of R$11.57 versus a price of R$15.36, about −25% (overvalued).
What is the fair value of B3SA3?
Our model-based fair value for B3 S.A is R$11.57 (as of Jul 19, 2026), built from audited fundamentals. The current price is R$15.36.
What is the quality score of B3SA3?
B3 S.A has a Quality Score of 63/100. It combines two groups: business quality (profitability, growth, cash flow, balance-sheet strength) and market factors (price momentum, distance to the 52-week high, volatility). Both subtotals are shown separately in the detail view.
What is the revenue of B3 S.A (B3SA3)?
B3 S.A reported trailing-twelve-month revenue of about R$10.6B (latest available figure, as of Jul 19, 2026).
What is the net profit margin of B3SA3?
The net profit margin of B3 S.A is about 47.0%, meaning it keeps roughly 47.0% of revenue as net income. Based on the latest reported figures.
Does B3 S.A pay a dividend?
B3 S.A currently shows a dividend yield of about 1.98% relative to its recent price (as of Jul 19, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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