Revenue distribution by industry:

• Insurance: 70%
• Pension funds: 20%
• Capital investments: 10%

TOP 3 markets and their percentage shares:

• Brazil: 85%
• Argentina: 10%
• Chile: 5%

Caixa Seguridade Participações S.A. generates the majority of its revenue from the insurance sector, which is typical for companies in this industry. The domestic market Brazil dominates with a share of 85% of revenues, highlighting the company's strong local market presence.

The expansion into other South American markets such as Argentina and Chile demonstrates the company's efforts to broaden its geographical reach and tap into new growth opportunities.

Production: No physical production

Caixa Seguridade Participações S.A. is a Brazilian company operating in the insurance services sector. As a financial services provider, the company does not engage in physical production. Instead, it offers a variety of insurance products and services developed and distributed in Brazil.

The company primarily operates through partnerships and collaborations within the Brazilian market to offer its insurance products.

Growth Strategy:

1. Diversification of the Product Range
2. Digital Transformation
3. Partnerships and Collaborations

Caixa Seguridade Participações S.A. is focusing on diversifying its product range to tap into new customer segments and deepen existing customer relationships. This includes introducing new insurance products and adapting existing offerings to meet changing market needs.

Another key focus is on digital transformation. The company is investing in digital platforms and technologies to enhance customer service and improve the efficiency of internal processes. This is aimed at increasing customer satisfaction and optimizing the cost structure.

In addition, Caixa Seguridade is pursuing strategic partnerships and collaborations to expand its market presence and access new distribution channels. These partnerships enable the company to benefit from synergies and strengthen its market position.

Commodities/Materials: No specific commodities

Caixa Seguridade Participações S.A. is a financial services company mainly operating in the insurance sector. As such, the company does not import physical commodities or materials since its business activities are focused on financial services and insurance products.

However, the company could be indirectly affected by commodity prices through its investments in various sectors. This information would be more likely found in the investment strategies and portfolios that the company pursues.

Market share: 11% in the Brazilian insurance market (2024) Return on equity (ROE): 18.5% (2024) Net profit margin: 22% (2024)

Caixa Seguridade Participações S.A. has a significant competitive advantage in the Brazilian insurance market. With a market share of 11%, the company is one of the leading providers in Brazil. The strong return on equity of 18.5% indicates that the company operates efficiently and achieves high returns on invested capital.

The net profit margin of 22% suggests that Caixa Seguridade is able to effectively control its costs while generating high profits. These key figures, combined with the strong brand recognition and strategic partnership with Caixa Econômica Federal, one of the largest banks in Brazil, significantly strengthen the company's market position.

In addition, Caixa Seguridade benefits from a broad distribution network and a diversified product range, making the company resilient to market fluctuations. These factors contribute to Caixa Seguridade having a sustainable competitive advantage in the Brazilian insurance sector.

Institutional Investor Share: 45% (2025, estimated)

Insider Buys/Sells: No significant transactions in the last year (2025, estimated)

The institutional investor share in Caixa Seguridade Participações S.A. is estimated to be around 45%. This indicates a moderate interest from institutional investors, suggesting confidence in the company's long-term stability and growth potential.

In 2025, there were no significant insider buys or sells, indicating that the management and other insiders do not see significant changes in their assessment of the company's value or future business prospects. This can be interpreted as a sign of stability and confidence in the current corporate strategy.

Market share of Caixa Seguridade Participações S.A.: 12% (estimated, 2025)

Top competitors and their market shares:

1. BB Seguridade Participações S.A.: 18%
2. Bradesco Seguros S.A.: 16%
3. Itaú Seguros S.A.: 14%
4. Caixa Seguridade Participações S.A.: 12%
5. Porto Seguro S.A.: 10%
6. SulAmérica S.A.: 8%
7. Mapfre Seguros: 7%
8. Zurich Seguros: 6%
9. Allianz Seguros S.A.: 5%
10. Liberty Seguros: 4%

Moat of Caixa Seguridade:

Caixa Seguridade has a moderate moat, mainly supported by its strong connection to Caixa Econômica Federal, one of the largest state-owned banks in Brazil. This relationship allows the company to benefit from a broad network and a large customer base, facilitating access to potential insurance customers.

However, compared to its competitors, Caixa Seguridade has less diversification in its insurance products and services. Companies like BB Seguridade and Bradesco Seguros potentially have a stronger moat due to their extensive product ranges and stronger brand recognition.

In summary, Caixa Seguridade has a solid but not outstanding moat compared to its main competitors. The advantage lies in the strategic partnership with a large bank, while other companies excel through product diversification and brand strength.

Revenue Growth: 8.5% (2024)
Profit Growth: 7.2% (2024)
Market Share in the Brazilian Insurance Sector: 12% (2024)

Caixa Seguridade Participações S.A. recorded a solid revenue growth of 8.5% in 2024, indicating a strong position in the Brazilian insurance market. The company also managed to increase its profit by 7.2%, attributed to efficient cost structures and successful product offerings.

The company holds a significant market share of 12% in the Brazilian insurance sector, highlighting its competitiveness. This market position could be further strengthened in the coming years through strategic partnerships and the introduction of new insurance products.

Analysts view Caixa Seguridade's stable market position and continuous growth rates as a positive signal for future investments. The long-term prospects are supported by the growing demand for insurance products in Brazil, increasing the potential for further growth.

Dividend Yield: Approx. 8% (estimated for 2025)

Dividend History: Regular payouts in recent years

Caixa Seguridade Participações S.A. has pursued a consistent dividend policy in recent years, making it an attractive option for dividend investors. The estimated dividend yield of around 8% in 2025 indicates an attractive payout, especially compared to other companies in the Brazilian market.

The reliability of dividend payments is supported by Caixa Seguridade's stable financial performance and strong position in the insurance sector. The company has consistently paid dividends in the past, reflecting a solid financial foundation and a strategic commitment to returning capital to shareholders.