Hapvida Participações e Investimentos S.A. (HAPVY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Hapvida Participações e Investimentos S.A. $2.54, price $1.27, upside +100.0%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
23‑month range $1.27 – $10.01 · fair‑value band $1.21 – $4.28 · the $1.27 price screens below the $2.54 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Hapvida Participações e Investimentos S.A., together with its subsidiaries, operates in the healthcare sector in Brazil. It sells health insurance plans through its own clinical, outpatient, and hospital networks, as well as dental plans through an accredited network. Hapvida Participações e Investimentos S.A.
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Hapvida Participações e Investimentos S.A., together with its subsidiaries, operates in the healthcare sector in Brazil. It sells health insurance plans through its own clinical, outpatient, and hospital networks, as well as dental plans through an accredited network. Hapvida Participações e Investimentos S.A. was founded in 1979 and is headquartered in Fortaleza, Brazil.
Stock analysis
Hapvida Participações e Investimentos S.A. (HAPVY) currently trades at $1.27, while our model-based Fair Value estimate is $2.54, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $15.44 per share, and 13 of the 13 models we run sit above the $1.27 price.
Bear case: the Earnings-Based group reads lowest at $1.90, and 0 of the 13 models stay below the price. Evidence for this calculation is low.
Scenario range: $1.21 (bear) to $4.28 (bull), the price of $1.27 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Hapvida Participações e Investimentos S.A. reported revenue of R$31.6B in FY2025 versus R$9.9B in FY2021, a compound +33.7%/yr. Reported net income was −R$142M in FY2025.
Key figures
Market cap $4.8B · P/S ratio 0.15 · EPS (TTM) $−0.1700 · Net margin −0.4% · Return on equity −0.9% · Return on assets (EBIT) 2.1% · Operating margin 6.6% · Revenue (TTM) R$31.8B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 87% below its 52-week high and at its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 100%, HAPVY screens cheaper than that median.
Fair Value models
Bear $1.21Fair Value $2.54Bull $4.28
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.53/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+9.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.0%
’21
’22
’23
’24
’25
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
6.4% (2021) → 6.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Hapvida Participações e Investimentos S.A. with another stock
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Peer Groupⓘ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.Insurance - Life · 88 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Hapvida Participações e Investimentos S.A. Fair Value". https://www.fairvalue-calculator.com/stock/HAPVY
Frequently asked questions
Is Hapvida Participações e Investimentos S.A. (HAPVY) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $2.54 versus the last price from Sep 25, 2026 of $1.27, about +100% upside (undervalued).
What is the fair value of HAPVY?
Our model-based fair value for Hapvida Participações e Investimentos S.A. is $2.54 (as of Sep 27, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $1.27.
What is the quality score of HAPVY?
Hapvida Participações e Investimentos S.A. has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Hapvida Participações e Investimentos S.A. (HAPVY)?
Our model-based price target is the fair value of $2.54 (as of Sep 27, 2026) from 13 valuation models. Cautious scenario $1.21, optimistic scenario $4.28. It is a calculation from audited fundamentals, not an analyst target.
What is the Hapvida Participações e Investimentos S.A. stock forecast for 2026?
Our models put fair value at $2.54, about +100% upside versus the last price from Sep 25, 2026 of $1.27 (undervalued). Cautious scenario $1.21, optimistic scenario $4.28. The calculation is refreshed regularly with new filings.
What is the revenue of Hapvida Participações e Investimentos S.A. (HAPVY)?
Hapvida Participações e Investimentos S.A. reported trailing-twelve-month revenue of about R$31.8B (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Hapvida Participações e Investimentos S.A. (HAPVY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hapvida Participações e Investimentos S.A. it is $2.54 per share (as of Sep 27, 2026), against a price of $1.27. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Hapvida Participações e Investimentos S.A. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, HAPVY trades below its calculated fair value: price $1.27, fair value $2.54, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HAPVY?
No. The price is what the market pays today ($1.27); the fair value is what the company's own numbers justify ($2.54). For Hapvida Participações e Investimentos S.A. the two are $1.27 per share apart. That gap is exactly why we show both numbers side by side.
How much is Hapvida Participações e Investimentos S.A. worth?
The market values Hapvida Participações e Investimentos S.A. at about $4.8B (market capitalisation, as of Sep 27, 2026). Per share that is $1.27; our models calculate a fair value of $2.54 per share.
What do the bullish and bearish scenarios say about HAPVY?
Our models span a range for Hapvida Participações e Investimentos S.A.: cautious scenario $1.21, base $2.54, optimistic $4.28 per share (as of Sep 27, 2026, price $1.27). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Hapvida Participações e Investimentos S.A. (HAPVY)?
Balance-sheet figures for Hapvida Participações e Investimentos S.A. (as of Sep 27, 2026): return on equity −0.9%, debt of 0.25 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is HAPVY from its 52-week high?
Hapvida Participações e Investimentos S.A. trades at $1.27, about 87% below its 52-week high of $10.01 and at the low of $1.27 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $2.54 is for.
Which stocks are comparable to Hapvida Participações e Investimentos S.A.?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Hapvida Participações e Investimentos S.A. stock attractive at the current price?
The data as of Sep 27, 2026: price $1.27, calculated fair value $2.54 (+100%), Quality Score 59/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HAPVY calculated?
We run Hapvida Participações e Investimentos S.A. through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $2.54, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Hapvida Participações e Investimentos S.A. currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Hapvida Participações e Investimentos S.A. (HAPVY)?
The latest price we hold is from Sep 25, 2026 and stands at $1.27. Our model-based fair value is $2.54, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hapvida Participações e Investimentos S.A. right now?
The model range is unusually wide ($1.21 to $4.28). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Hapvida Participações e Investimentos S.A.
How large is the market capitalisation of Hapvida Participações e Investimentos S.A. (HAPVY)?
The market capitalisation of Hapvida Participações e Investimentos S.A. is $4.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Hapvida Participações e Investimentos S.A. (HAPVY)?
The price-to-sales ratio of Hapvida Participações e Investimentos S.A. is 0.15 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Hapvida Participações e Investimentos S.A. (HAPVY)?
Earnings per share at Hapvida Participações e Investimentos S.A. are $−0.1700. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Hapvida Participações e Investimentos S.A. (HAPVY)?
The net margin of Hapvida Participações e Investimentos S.A. is −0.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Hapvida Participações e Investimentos S.A. (HAPVY)?
The return on equity (ROE) of Hapvida Participações e Investimentos S.A. is −0.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Hapvida Participações e Investimentos S.A. (HAPVY)?
On an EBIT basis the return on assets of Hapvida Participações e Investimentos S.A. is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Hapvida Participações e Investimentos S.A. (HAPVY)?
The operating margin of Hapvida Participações e Investimentos S.A. is 6.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hapvida Participações e Investimentos S.A. (HAPVY)?
Revenue at Hapvida Participações e Investimentos S.A. is growing +3.5% versus a year earlier (3y avg +10.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Hapvida Participações e Investimentos S.A. (HAPVY)?
Earnings per share at Hapvida Participações e Investimentos S.A. are growing −34.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Hapvida Participações e Investimentos S.A. (HAPVY) generate?
The free cash flow of Hapvida Participações e Investimentos S.A. is R$2.1B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Hapvida Participações e Investimentos S.A. (HAPVY) carry?
The net debt of Hapvida Participações e Investimentos S.A. is R$12.0B (fiscal year 2025, ≈ 5.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 27, 2026