Bradsaude SA (SAUD3) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Bradsaude SA BRL 18.16, price BRL 14.10, upside +28.8%, quality 87 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 23, 2026.
How to read this chart
60‑month range R$6.29 – R$16.09 · fair‑value band R$11.39 – R$26.64 · the R$14.10 price screens below the R$18.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Bradsaúde S.A. provides private dental care plans in Brazil. The company operates through Corporate, Small and Medium-Sized Enterprise (SME), Individual, and Other segments. The company manages and sells dental care plans to corporations and/or individuals.
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Bradsaúde S.A. provides private dental care plans in Brazil. The company operates through Corporate, Small and Medium-Sized Enterprise (SME), Individual, and Other segments. The company manages and sells dental care plans to corporations and/or individuals. It is also involved in commercial advisory, consulting, and business management services; develops and licenses software programs; wholesale and retail trade of products and equipment, sanitizers, drugs, medicines, pharmaceutical inputs, and related items; provision of storage, loading, organization, tidying, custody of goods, technical, and administrative programming services, as well as general management of assets and business. In addition, the company engages in integrating technologies to develop dental solutions; and provide specialized services related to accidents and illnesses, besides actuarial, financial, administrative, and commercial and risk management services. The company was formerly known as Odontoprev S.A. and changed its name to Bradsaúde S.A. in April 2026. Bradsaúde S.A. was founded in 1987 and is headquartered in Barueri, Brazil. Bradsaúde S.A. operates as a subsidiary of Bradesco Saúde S.A.
Stock analysis
Bradsaude SA (SAUD3) currently trades at R$14.10, while our model-based Fair Value estimate is R$18.16, implying the stock looks roughly 22.4% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of R$21.23 per share, and 16 of the 24 models we run sit above the R$14.10 price.
Bear case: the Earnings-Based group reads lowest at R$7.84, and 8 of the 24 models stay below the price. Evidence for this calculation is high.
Scenario range: R$11.39 (bear) to R$26.64 (bull), the price of R$14.10 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 87/100 (high quality), in the Healthcare sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bradsaude SA reported revenue of R$2.4B in FY2025 versus R$1.9B in FY2022, a compound +9.3%/yr. Reported net income was R$583M in FY2025, compounding +16.8%/yr from FY2022.
Key figures
Market cap R$8.4B (≈ $1.6B) · P/E ratio 13.6 · P/S ratio 3.26 · EPS (TTM) R$1.04 · Dividend yield 4.0% · Net margin 24.1% · Return on equity 40.4% · Return on assets (EBIT) 31.7%.
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 12% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Healthcare peers we cover trades at 21% fair-value upside, at 29%, SAUD3 screens cheaper than that median.
Fair Value models
Bear R$11.39Fair Value R$18.16Bull R$26.64
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$0.3519 per share) are deliberately not added.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.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.89/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.1%
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.
+9.3%
’22
’23
’24
’25
What shareholders gained per year (last 3 years), in BRL ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in BRL: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+14.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.4%
Dividend (yield on the price)4.0%
Profit margin 2022 to 2025 ⓘ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.26% → 32%
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+8.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Brazil: IMF forecast 3.3% a year to 2030, 5.4% from 2016 to 2025) that is about +4.6% a year for the price.
Price, fair value, quality and upside side by side.
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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.Healthcare Plans · 15 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score87 · Top 25%
Fair Value upside+28% · Above median
Profitability
Return on equity (TTM)40% · Top 25%
Return on assets25% · Top 25%
Net margin (TTM)22% · Top 25%
Operating margin (TTM)37% · Top 25%
Growth and dividend
Revenue growth4% · Below median
Dividend yield (TTM)4.0% · Top 25%
Valuation Multiplesvs Healthcare Plans median · lower = cheaper
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). "Bradsaude SA Fair Value". https://www.fairvalue-calculator.com/stock/SAUD3
Frequently asked questions
Is Bradsaude SA (SAUD3) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of R$18.16 versus a price of R$14.10, about +29% upside (undervalued).
What is the fair value of SAUD3?
Our model-based fair value for Bradsaude SA is R$18.16 (as of Sep 23, 2026), built from audited fundamentals. The current price: R$14.10.
What is the quality score of SAUD3?
Bradsaude SA has a Quality Score of 87/100. 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 Bradsaude SA (SAUD3)?
Our model-based price target is the fair value of R$18.16 (as of Sep 23, 2026) from 24 valuation models. Cautious scenario R$11.39, optimistic scenario R$26.64. It is a calculation from audited fundamentals, not an analyst target.
What is the Bradsaude SA stock forecast for 2026?
Our models put fair value at R$18.16, about +29% upside versus a price of R$14.10 (undervalued). Cautious scenario R$11.39, optimistic scenario R$26.64. The calculation is refreshed regularly with new filings.
What is the revenue of Bradsaude SA (SAUD3)?
Bradsaude SA reported trailing-twelve-month revenue of about R$2.6B (latest available figure, as of Sep 23, 2026).
Does Bradsaude SA pay a dividend?
Bradsaude SA currently shows a dividend yield of about 3.96% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Bradsaude SA (SAUD3)?
For today's price to be fair in a discounted-cash-flow model, Bradsaude SA would have to grow free cash flow by +8.0 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +9.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of SAUD3 use?
Our models discount Bradsaude SA at 11.2 %: a base by market capitalisation (mid), damped by beta 0.51, country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bradsaude SA that is +8.0 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Bradsaude SA (SAUD3) delivered so far?
Over the past 3 years revenue at Bradsaude SA grew +9.3 % a year. The price currently implies +8.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bradsaude SA (SAUD3) growing?
The median revenue growth in the sector is +0.0 % a year. That is the yardstick for the growth priced into Bradsaude SA (+8.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bradsaude SA (SAUD3)?
The free-cash-flow yield on the price is 6.57 %: that much free cash flow Bradsaude SA produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bradsaude SA (SAUD3)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bradsaude SA it is R$18.16 per share (as of Sep 23, 2026), against a price of R$14.10. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Bradsaude SA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SAUD3 trades below its calculated fair value: price R$14.10, fair value R$18.16, a gap of about +29% (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 SAUD3?
No. The price is what the market pays today (R$14.10); the fair value is what the company's own numbers justify (R$18.16). For Bradsaude SA the two are R$4.06 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bradsaude SA worth?
The market values Bradsaude SA at about R$8.4B (market capitalisation, as of Sep 23, 2026). Per share that is R$14.10; our models calculate a fair value of R$18.16 per share.
What do the bullish and bearish scenarios say about SAUD3?
Our models span a range for Bradsaude SA: cautious scenario R$11.39, base R$18.16, optimistic R$26.64 per share (as of Sep 23, 2026, price R$14.10). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SAUD3?
Bradsaude SA trades at a price-to-earnings ratio of 13.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$18.16 is built from several models across several years. Other multiples: PEG 1.7, P/B 6.1, P/S 3.0, EV/EBITDA 9.0.
What is the PEG ratio of SAUD3?
The PEG ratio of Bradsaude SA is 1.70 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bradsaude SA (SAUD3)?
Balance-sheet figures for Bradsaude SA (as of Sep 23, 2026): return on equity 40.4%. They feed the Quality Score of 87/100, which measures business quality independently of the share price.
How far is SAUD3 from its 52-week high?
Bradsaude SA trades at R$14.10, about 12% below its 52-week high of R$16.09 and 35% above the low of R$10.45 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of R$18.16 is for.
Which stocks are comparable to Bradsaude SA?
From the same area (Healthcare) we also value UnitedHealth Group, CVS Health Corporation, Elevance Health, Inc, The Cigna Group, 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 Bradsaude SA stock attractive at the current price?
The data as of Sep 23, 2026: price R$14.10, calculated fair value R$18.16 (+29%), Quality Score 87/100, from 24 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 SAUD3 calculated?
We run Bradsaude SA through 24 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 R$18.16, 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 14.1 % above its aggregate fair value. Bradsaude SA currently trades 29 % 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 Bradsaude SA (SAUD3)?
The closing price on Sep 23, 2026 was R$14.10. Our model-based fair value is R$18.16, about +29% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bradsaude SA right now?
The rarer combination: high quality (87/100) AND below fair value. That earns a closer look rather than a quick verdict. A fairly wide model range (R$11.39 to R$26.64) leaves room in how you read the outcome.
Key figures of Bradsaude SA
How large is the market capitalisation of Bradsaude SA (SAUD3)?
The market capitalisation of Bradsaude SA is R$8.4B (≈ $1.6B). 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 Bradsaude SA (SAUD3)?
The price-to-sales ratio of Bradsaude SA is 3.26 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bradsaude SA (SAUD3)?
Earnings per share at Bradsaude SA are R$1.04 (price ÷ EPS = P/E 13.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bradsaude SA (SAUD3)?
The dividend yield of Bradsaude SA is 4.0% (payout 53.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bradsaude SA (SAUD3)?
The net margin of Bradsaude SA is 24.1% (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 Bradsaude SA (SAUD3)?
The return on equity (ROE) of Bradsaude SA is 40.4% (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 Bradsaude SA (SAUD3)?
On an EBIT basis the return on assets of Bradsaude SA is 31.7% (avg 4y). 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 Bradsaude SA (SAUD3)?
The operating margin of Bradsaude SA is 36.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bradsaude SA (SAUD3)?
Revenue at Bradsaude SA is growing +3.8% versus a year earlier (3y avg +9.3%). 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 Bradsaude SA (SAUD3)?
Earnings per share at Bradsaude SA are growing −10.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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