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HAPV3 · B3 · Brazil · Serviços Médicos
In shortHapvida Participações e Investimentos S.A. is loss-making, generates cash and carries moderate debt, with revenue growing (+9.2% last year).
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 4.6% | 32/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -0.4% | 18/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -0.3% | 0/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 1.9% | 13/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.90× | 92/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.27× | 96/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 1.82× | 62/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 0.43× | 0/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 2.72 | 42/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 4.2% | 37/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 4 of 5 | 75/100 |
Weight in the score: 20%
| Profitable years (last 5) | 1 of 5 | 20/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 57.8% | 0/100 |
| Operating margin volatility | 2.4% | 87/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 10.0% | 72/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
1 older year available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
BRL millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 9,883 | 23,749 | 27,770 | 28,915 | 31,577 |
| Cost of revenue | 6,817 | 18,094 | 24,730 | 25,614 | 27,854 |
| Gross profit | 3,066 | 5,655 | 3,040 | 3,301 | 3,724 |
| Selling, general & admin | 2,554 | 6,363 | 1,955 | 2,596 | 2,489 |
| Operating income | 543 | (156) | 1,172 | 741 | 1,457 |
| Interest expense | 358 | 2,219 | 2,903 | 2,355 | 3,420 |
| Pre-tax income | 493 | (1,448) | (701) | (467) | (234) |
| Income tax | 7.5 | 672 | 57 | 188 | 92 |
| Net income | 498 | 0 | (758) | (649) | (142) |
| Diluted EPS | BRL0.13 | – | −BRL0.10 | −BRL0.10 | −BRL0.28 |
1 older year available with the 10-year history. Essential plan, from €8.25/month →
2.72 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: CVM (dados.cvm.gov.br). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Mar 18, 2026