Hapvida Participações e Investimentos S.A (HAPVY) Fair Value & Analysis
Financial Services · US · Market cap $4.8B
Hapvida Participações e Investimentos S.A
HAPVY · US
Fair value as of: Jul 26, 2026
From 3 valuation models · updated 15 days ago
Fair value updated Jul 26, 2026, revised from $9.04 to $9.20 (+1.8%) since Jun 26, 2026.
A solid business, currently priced close to our fair value.
What matters now
- The model range is unusually wide ($4.13 to $15.90). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (21 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
21‑month range $10.01 – $10.01 · fair‑value band $4.13 – $15.90 · the $10.01 price screens above the $9.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
Hapvida Participações e Investimentos S.A (HAPVY) currently trades at $10.01, while our model-based Fair Value estimate is $9.20, implying the stock looks roughly 8.1% fairly valued today. The Quality Score stands at 59/100 (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, Hapvida Participações e Investimentos S.A generated revenue of $31.8B at a net margin of -1.4%. Revenue grew 3.5% year over year. It earns a return on equity of -0.9%. Net debt stands at $12.0B. Fundamentals as of Jul 26, 2026
Our scenario range runs from $4.13 (bear case) to $15.90 (bull case); at $10.01, 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 near its 52-week high, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 1% fair-value upside, at -8%, HAPVY screens richer 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.
All 3 models by family
Widest divergence: Asset-Based ($68.04) versus Dividend Discount ($32.38). Highest evidence: Gordon GGM (70).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 56
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
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Hapvida Participações e Investimentos S.A reported revenue of $31.6B in FY2025 versus $9.9B in FY2021, a compound +33.7%/yr. Reported net income was −$142M in FY2025.
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Peer Group
Insurance - Life · 95 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.
Valuation Multiples vs Insurance - Life median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥38.72 | ¥70.87 | +83% |
| Ping An Insurance (Group) Company 601318 | ¥49.60 | ¥96.76 | +95% |
| AIA Group 1299 | HK$75.55 | HK$7.88 | -90% |
| Manulife Financial Corporation MFC | C$58.52 | C$45.13 | -23% |
| Great-West Lifeco Inc GWO | C$92.34 | C$59.64 | -35% |
| Life Insurance Corporation LICI | ₹438.30 | ₹590.43 | +35% |
| Fubon Financial Holding 2881 | 124.50 TWD | 115.05 TWD | -8% |
| Cathay Financial Holding 2882 | 94.00 TWD | 94.95 TWD | +1% |
| Samsung Life Insurance Co 032830 | 337,500 KRW | 166,710 KRW | -51% |
| China Pacific Insurance (Group) Co 601601 | ¥29.75 | ¥59.50 | +100% |
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Frequently asked questions
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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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