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Wiz Co (WIZC3) Fair Value & Analysis

Financial Services · BR · Market cap R$1.4B

WC Wiz Co WIZC3 · SA
PriceR$7.87
Fair ValueR$16.35
Upside+107.8%
Quality72/100
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Healthy Growth
Solidly profitable · 14.4% net margin
Moderate debt · generates free cash flow
7.40% dividend yield
Ranks above peers (12/14)
Wide moat 84/100
Evidence: Medium Range R$12.26 – R$20.43 Share as image

Fair value as of: Jul 13, 2026

From 6 valuation models · updated 28 days ago

Fair value updated Jul 13, 2026, revised from R$15.30 to R$16.35 (+6.9%) since Jun 26, 2026. Share price −4.6% over the past month.

A solid business, screening 108% undervalued on our models.

What matters now

  • The rarer combination: high quality (72/100) AND below fair value. That earns a closer look rather than a quick verdict.
  • The price is below even our cautious bear case (R$12.26). The market is more pessimistic than our downside scenario.
  • 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$13.80 R$4.23 Fair Value R$16.35 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.

How to read this chart

60‑month range R$4.23 – R$13.80 · fair‑value band R$12.26 – R$20.43 · the R$7.87 price screens below the R$16.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.

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Analysis

Wiz Co (WIZC3) currently trades at R$7.87, while our model-based Fair Value estimate is R$16.35, implying the stock looks roughly 107.8% undervalued today. The Quality Score stands at 72/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.

Over the trailing twelve months, Wiz Co generated revenue of R$1.3B at a net margin of 14.4%. Revenue declined 10.9% year over year. It earns a return on equity of 28.6%. Net debt stands at R$376M. Fundamentals as of Jul 13, 2026

Our scenario range runs from R$12.26 (bear case) to R$20.43 (bull case); at R$7.87, the current price sits below 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 21% below its 52-week high and 19% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at 108%, WIZC3 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 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
Highest evidence
Residual Income R$6.49 R$7.81 R$19.68 76
Gordon GGM R$11.45 R$20.63 R$28.40 70
P/E Multiple R$12.26 R$16.35 R$20.43 63
All 6 models by family
Dividend Discount
Gordon GGM R$11.45 R$20.63 R$28.40 70
DDM Multi-Stage R$11.45 R$18.84 R$22.04 61
Multiples
P/E Multiple R$12.26 R$16.35 R$20.43 63
P/B Multiple R$4.58 R$6.11 R$7.64 55
Asset-Based
NCAV (Graham) R$2.18 R$2.92 R$4.36 50
Economic Profit
Residual Income R$6.49 R$7.81 R$19.68 76

Widest divergence: Dividend Discount (R$18.84) versus Asset-Based (R$2.92). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) R$1.3B
Revenue growth (YoY) -10.9%
Net margin 14.4%
Return on equity 28.6%
Free cash flow R$512M FY2025
P/E ratio 7.0
More key figures
Operating margin 39.0%
EPS (TTM) R$1.22
Dividend yield 7.4%
EPS growth (YoY) -14.6%
Net debt R$376M FY2025

Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 72/100

Of which business quality 68 · Market factors (momentum, volatility) 51

Profitability 66
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 41
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 84
Calm price path (market factor)
Momentum 35
Price trend over the last 3–12 months (market factor)
52W Momentum 43
Distance to the 52-week high (market factor)
Net Issuance 82
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

Wiz Co Participações e Corretagem de Seguros S.A. operates as an insurance broker in Brazil. The company offers bancassurance, consortiums, and credit services. It also involved in-person, remote, and digital solutions for the sale and after-sales of insurance and financial products. The company was formerly known as Wiz Soluções e Corretagem de Seguros S.A.

Full company description

Wiz Co Participações e Corretagem de Seguros S.A. operates as an insurance broker in Brazil. The company offers bancassurance, consortiums, and credit services. It also involved in-person, remote, and digital solutions for the sale and after-sales of insurance and financial products. The company was formerly known as Wiz Soluções e Corretagem de Seguros S.A. Wiz Co Participações e Corretagem de Seguros S.A. was founded in 1973 and is headquartered in Brasília, Brazil.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Wiz Co reported revenue of R$905M in FY2025 versus R$913M in FY2021, a compound −0.2%/yr. Reported net income was R$201M in FY2025, compounding +1.7%/yr from FY2021.

Growth Quality 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
R$905M
Avg. growth/yr (3Y) 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.
+18.2%
Avg. growth/yr (5Y) 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.
+14.4%
Avg. growth/yr (13Y) 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.
+19.9%
Revenue −0.2%/yr
FY21 R$913M
FY22 R$1.1B
FY23 R$1.3B
FY24 R$1.5B
FY25 R$905M
Net income +1.7%/yr
FY21 R$188M
FY22 R$131M
FY23 R$142M
FY24 R$160M
FY25 R$201M
Character of growth · EPS growth decomposed (2014-2025) +5.0 % p.a.
Revenue per share +14.1 pp

of which total revenue +14.1 pp · buybacks/dilution +0.0 pp

EBIT margin −2.3 pp
Tax rate −2.3 pp
Residual (interest, one-offs) −4.4 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "Wiz Co Fair Value". https://www.fairvalue-calculator.com/stock/WIZC3

Peer Group

Insurance Brokers · 35 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 72 · Top 25%
Fair Value upside +108% · Top 25%
Return on equity (TTM) 29% · Top 25%
Return on assets 15% · Top 25%
Net margin (TTM) 14% · Above median
Operating margin (TTM) 39% · Top 25%
Revenue growth -11% · Bottom 25%
Dividend yield (TTM) 7.4% · Top 25%
Debt / equity 0.51× · Higher than median

Valuation Multiples vs Insurance Brokers median · lower = cheaper

P/E (TTM) 7.0× · Cheaper than 75% of peers
P/B 1.95× · Cheaper than median
P/S (TTM) 1.01× · Cheaper than median
P/FCF 0.5× · Cheaper than 75% of peers
EV/EBITDA 2.4× · 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 100 · sector 0
FUTURE 0 · sector 59
PAST 100 · sector 60
HEALTH 75 · sector 88
DIVIDEND 100 · sector 50

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 Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).

Stock Price Fair Value vs Fair Value
Marsh & McLennan Companies, Inc MRSH $182.18 $112.25 -38%
Aon plc AON $367.21 $224.91 -39%
Arthur J. Gallagher & Co AJG $253.09 $75.58 -70%
Willis Towers Watson Public Limited WTW $285.12 $220.92 -23%
Brown & Brown, Inc BRO $67.66 $40.43 -40%
Erie Indemnity Company ERIE $227.31 $157.43 -31%
PB Fintech Limited POLICYBZR ₹1,574 ₹188.49 -88%
Neptune Insurance Holdings NP $31.03 $3.52 -89%
CorVel Corporation CRVL $62.29 $47.59 -24%
Accelerant Holdings ARX $13.52 $18.06 +34%

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Frequently asked questions

Is Wiz Co (WIZC3) overvalued or undervalued?
As of Jul 13, 2026, our model estimates a fair value of R$16.35 versus a price of R$7.87, about +108% (undervalued).
What is the fair value of WIZC3?
Our model-based fair value for Wiz Co is R$16.35 (as of Jul 13, 2026), built from audited fundamentals. The current price is R$7.87.
What is the quality score of WIZC3?
Wiz Co has a Quality Score of 72/100. 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 revenue of Wiz Co (WIZC3)?
Wiz Co reported trailing-twelve-month revenue of about R$1.3B (latest available figure, as of Jul 13, 2026).
What is the net profit margin of WIZC3?
The net profit margin of Wiz Co is about 14.4%, meaning it keeps roughly 14.4% of revenue as net income. Based on the latest reported figures.
Does Wiz Co pay a dividend?
Wiz Co currently shows a dividend yield of about 8.39% relative to its recent price (as of Jul 13, 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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