Quálitas Controladora, S.A. (QUCOF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Quálitas Controladora, S.A. $7.42, price $8.70, upside -14.7%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Quálitas Controladora, S.A.
QUCOF · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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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 24, 2026.
How to read this chart
60‑month range $3.24 – $10.58 · fair‑value band $5.56 – $9.27 · the $8.70 price screens above the $7.42 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Quálitas Controladora, S.A.B. de C.V., through its subsidiaries, provides insurance, coinsurance, and reinsurance services in the personal accident, health, and automobile areas in Mexico, El Salvador, Costa Rica, Peru, and the United States.
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Quálitas Controladora, S.A.B. de C.V., through its subsidiaries, provides insurance, coinsurance, and reinsurance services in the personal accident, health, and automobile areas in Mexico, El Salvador, Costa Rica, Peru, and the United States. The company offers car insurance services comprising personal cars and pickups, cargo pickups, trucks, public passenger service, border guards, regularized vehicles, tourists, and motorcycles, as well as standardized basic insurance and professional liability insurance for insurance agents. It also provides mechanical and electrical breakdown, and civil liability insurance, as well as advisory and training services for investment planning and business management. In addition, the company engages in acquisition, sale, and service of automotive glass and automobile spare parts; and salvage management and marketing activities. Further, it offers telemetry-oriented hardware for heavy and light equipment fleets, data analysis, internet of things ecosystem, and cloud ecosystem. Quálitas Controladora, S.A.B. de C.V. founded in 1993 and is based in Mexico City, Mexico.
Stock analysis
Quálitas Controladora, S.A. (QUCOF) currently trades at $8.70, while our model-based Fair Value estimate is $7.42, 14.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $5.93 per share, and 1 of the 4 models we run sit above the $8.70 price.
Bear case: the Asset-Based group reads lowest at $2.41, and 3 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $5.56 (bear) to $9.27 (bull), the price of $8.70 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 55/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Quálitas Controladora, S.A. reported revenue of 80.0B MXN in FY2025 versus 39.9B MXN in FY2021, a compound +19.0%/yr. Reported net income was 5.1B MXN in FY2025, compounding +7.7%/yr from FY2021.
Key figures
Market cap $3.4B · P/E ratio 13.2 · P/S ratio 0.84 · EPS (TTM) $0.6600 · Net margin 6.3% · Return on equity 16.8% · Return on assets (EBIT) 5.5% · Operating margin 11.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −15%, QUCOF screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 54
Revenue & earnings trend
Growth Forecast
QUCOF screens overvalued: fair value 15% below the price. Compare with Chubb Limited →
Compare Quálitas Controladora, S.A. with another stock
Price, fair value, quality and upside side by side.
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 - Property & Casualty · 116 stocks
Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Chubb Limited CB | $331.37 | $235.99 | −29% |
| The Progressive Corporation PGR | $209.47 | $160.75 | −23% |
| The Travelers Companies, Inc TRV | $356.51 | $279.78 | −22% |
| The Allstate Corporation ALL | $224.41 | $290.52 | +29% |
| The People's Insurance Company 601319 | ¥7.98 | ¥9.02 | +13% |
| Fairfax Financial Holdings FFH | C$2,219 | C$3,257 | +47% |
| Intact Financial Corporation IFC | C$250.54 | C$167.88 | −33% |
| Cincinnati Financial Corporation CINF | $161.92 | $143.72 | −11% |
| W. R. Berkley Corporation WRB | $67.66 | $47.22 | −30% |
| QBE Insurance Group QBE | A$23.81 | A$13.42 | −44% |
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Key figures of Quálitas Controladora, S.A.
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