Caixa Seguridade is a holding company that operates in the insurance sector under the bancassurance model, exclusively using Caixa Econônica Federal distribution channels to sell its products. Its operations are organized into three main business segments: Insurance, Accumulation, and Distribution. In the Insurance segment, the company offers products such as life, lender, housing and residential, as well as assistance services. The Accumulation segment consists of private pension plans, savings bonds, and consortiums. The company also operates a distribution business through its broker, responsible for brokering and commissioning the products. Its business model is based on long-term partnerships with other insurers to operate each of its main branches of activity.
How many years of EBITDA are required to pay off the company's net debt, according to the official accounting standard IFRS16. As a market consensus, a value of up to 3 years of leverage is accepted for most companies.
How much the company's debt represents in % in relation to its equity. As a market consensus, a value less than or equal to 1 is accepted, above that leverage can end up hurting the final result at some point.
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