{"id":514485,"date":"2024-01-23T11:53:57","date_gmt":"2024-01-23T14:53:57","guid":{"rendered":"https:\/\/www.suno.com.br\/noticias\/?p=514485"},"modified":"2024-01-23T11:54:05","modified_gmt":"2024-01-23T14:54:05","slug":"hapvida-hapv3-estimativas-2024-gpj","status":"publish","type":"post","link":"https:\/\/www.suno.com.br\/noticias\/hapvida-hapv3-estimativas-2024-gpj\/","title":{"rendered":"Hapvida (HAPV3): banco ajusta estimativas para 2024; confira"},"content":{"rendered":"<p>Em seu mais recente relat\u00f3rio sobre a <strong>Hapvida<\/strong> (<a href=\"https:\/\/statusinvest.com.br\/acoes\/hapv3\">HAPV3<\/a>), o Goldman Sachs (<a href=\"https:\/\/www.suno.com.br\/bdrs\/gsgi34\/\">GSGI34<\/a>) fez uma previs\u00e3o sobre os resultados do quarto trimestre da companhia, al\u00e9m de ter reduzido as estimativas de <a href=\"https:\/\/www.suno.com.br\/artigos\/lucro-ajustado\/\">lucro ajustado<\/a> para 2024 e 2025.<\/p>\t<div class=\"wrapper-featured-image\">\n\t\t<figure class=\"spotlightImg\">\n\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 768px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/11\/hapvida-hapv3-400x200.jpeg\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"newsContent__article__imgCapa lazyloadDisabled \" src=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/11\/hapvida-hapv3-800x450.jpeg\" width=\"800\" height=\"450\" alt=\"Hapvida (HAPV3): banco ajusta estimativas para 2024; confira\" fetchpriority=high \/>\n\t\t\t<\/picture>\n\n\t\t\t<figcaption class=\"wp-caption-text wp-caption-text--show\">Hapvida (HAPV3) Foto: Divulga\u00e7\u00e3o.<\/figcaption>\n\t\t<\/figure>\n\t<\/div>\n\n\n\n\n\n\n\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/planilha-da-vida-financeira\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/400x300-Planilha-vida-financeira-true.png\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/1420x240-Planilha-vida-financeira-true.png\"\n\t\t\t\t\tdata-promo-id=\"106682\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='240'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/1420x240-Planilha-vida-financeira-true.png\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n\n\n\n<p>No texto, o banco reduziu as estimativas de <strong>lucro l\u00edquido ajustado da Hapvida<\/strong> para a faixa de 10% a 11% entre 2024 e 2025, com ganhos entre R$ 1,43 bilh\u00e3o e R$ 2 bilh\u00f5es.<\/p>\n\n\n\n<p>&#8220;Prevemos uma desacelera\u00e7\u00e3o um pouco mais forte no crescimento m\u00e9dio do ticket para esses per\u00edodos e tentamos incorporar tend\u00eancias mais suaves de custos unit\u00e1rios para refletir a dif\u00edcil base de compara\u00e7\u00e3o do 3T23 &#8211; ou seja, frequ\u00eancia de utiliza\u00e7\u00e3o inferior ao normal devido ao inverno mais quente e menor incid\u00eancia de doen\u00e7as respirat\u00f3rias sazonais&#8221;, pontuaram os analistas Gustavo Miele e Emerson Vieira.<\/p>\n\n\n\n<p>Neste cen\u00e1rio, o banco acredita em uma melhora do medical loss ratio (MLR), o indicador que mede a <strong>sinistralidade da Hapvida<\/strong>, de 170 pontos-base no 4T23, levando a um <a href=\"https:\/\/www.suno.com.br\/artigos\/ebitda-ajustado\/\">Ebitda ajustado<\/a> de R$ 881 milh\u00f5es.<\/p>\n\n\n\n<p>Al\u00e9m disso, ap\u00f3s an\u00e1lise dos dados sobre as taxas de ocupa\u00e7\u00e3o dos <strong>hospitais conveniados da Hapvida<\/strong>, o banco observou uma tend\u00eancia de queda no indicador na regi\u00e3o Nordeste do pa\u00eds, o que poderia potencialmente corroborar a vis\u00e3o de uma utiliza\u00e7\u00e3o de frequ\u00eancia n\u00e3o recorrente e abaixo do normal no 3T23.<\/p>\n\n\n\n<p>Ainda para o Goldman, n\u00e3o h\u00e1 sinais de adi\u00e7\u00f5es l\u00edquidas positivas no 4T23, e se espera que as perdas de ades\u00e3o continuem ao longo do primeiro semestre de 2024. &#8220;Caso se desenvolva um cen\u00e1rio de acelera\u00e7\u00e3o do desemprego daqui para a frente, o ambiente de adi\u00e7\u00f5es l\u00edquidas dos benefici\u00e1rios para a empresa provavelmente ficar\u00e1 mais dif\u00edcil&#8221;, acrescenta.<\/p>\n\n\n\n<p>O Goldman tem recomenda\u00e7\u00e3o de &#8216;compra&#8217; para as <strong>a\u00e7\u00f5es de Hapvida<\/strong>, com pre\u00e7o-alvo a R$ 5,40. O balan\u00e7o completo do <strong>4T23 da Hapvida<\/strong> ser\u00e1 divulgado no dia 27 de mar\u00e7o de 2024.<\/p>\n\n\n\n\t<div data-element=\"shortcode-read-more\" class=\"readToo\">\n\t\t\t\t<span class=\"readToo__title\">Leia mais<\/span>\n\t\t\t\t<ul class=\"readToo__list\">\n\t\t\t<li><a href=\"https:\/\/www.suno.com.br\/noticias\/haddad-revisao-imposto-renda-gpj\/\">Haddad: governo vai revisar faixa de isen\u00e7\u00e3o do Imposto de Renda em 2024<\/a><\/li><li><a href=\"https:\/\/www.suno.com.br\/noticias\/ambev-abev3-bofa-previa-4t23-cpf\/\">Ambev (ABEV3): BofA eleva pre\u00e7o-alvo, citando impactos da Argentina e reforma tribut\u00e1ria<\/a><\/li><li><a href=\"https:\/\/www.suno.com.br\/noticias\/ecorodovias-ecor3-aumento-capital-gpj\/\">Subsidi\u00e1ria da EcoRodovias (ECOR3) aprova aumento de capital; confira o valor<\/a><\/li>\t\t<\/ul>\n\t<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Hapvida (HAPV3): XP v\u00ea \u201cmuito barulho sobre o risco real da empresa\u201d em not\u00edcias sobre decis\u00f5es judiciais<\/h2>\n\n\n\n<p>Depois de uma semana para esquecer, quando perdeu mais de R$ 2 bilh\u00f5es em&nbsp;<a href=\"https:\/\/www.suno.com.br\/artigos\/valor-de-mercado\/\" target=\"_blank\" rel=\"noreferrer noopener\">valor de mercado<\/a>, a XP v\u00ea a pol\u00eamica envolvendo a&nbsp;Hapvida sobre decis\u00f5es judiciais como incompat\u00edvel com o risco real. Diante disso, a corretora mant\u00e9m a recomenda\u00e7\u00e3o de compra, com pre\u00e7o-alvo de R$ 5,7.<\/p>\n\n\n\n<p>Isso porque, em relat\u00f3rio publicado ontem, a XP afirma que os processos c\u00edveis com risco prov\u00e1vel ou poss\u00edvel somam R$ 2,3 bilh\u00f5e<strong>s<\/strong>, dos quais R$ 1 bilh\u00e3o est\u00e1 diretamente relacionado aos benefici\u00e1rios, ou seja, menos da metade do valor total.<\/p>\n\n\n\n<p>Na vis\u00e3o de Rafael Barros e Raphael Elage, olhando os&nbsp;<strong>n\u00fameros da Hapvida<\/strong>&nbsp;de perto, eles n\u00e3o s\u00e3o t\u00e3o assustadores assim, j\u00e1 que os valores de risco prov\u00e1vel est\u00e3o totalmente provisionados, enquanto nenhuma provis\u00e3o \u00e9 feita em caso de risco poss\u00edvel de perdas.<\/p>\n\n\n\n<p>\u201cNesse sentido, de acordo com os n\u00fameros da empresa, h\u00e1 R$ 1,8 bilh\u00e3o de processos c\u00edveis n\u00e3o provisionados, dos quais R$ 816 milh\u00f5es envolvem diretamente os benefici\u00e1rios, ou R$ 2,3 bilh\u00f5es e R$ 1 bilh\u00e3o no total, respectivamente. Este \u00faltimo valor representa um ter\u00e7o da perda total de <a href=\"https:\/\/www.suno.com.br\/artigos\/valor-de-mercado\/\">valor de mercado<\/a> no preg\u00e3o de quinta-feira (quando caiu quase 7%), o que nos leva a supor que a queda foi exagerada\u201d, explica a corretora.<\/p>\n\n\n\n<p>A XP, inclusive, est\u00e1 otimista com o futuro da operadora de planos de sa\u00fade. Para 2024, a expectativa \u00e9 de um&nbsp;<strong>lucro l\u00edquido ajustado da Hapvida<\/strong>&nbsp;de R$ 1,41 bilh\u00e3o, enquanto para 2025 de R$ 2,20 bilh\u00f5es e para 2026 de R$ 2,76 bilh\u00f5es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hapvida: o que est\u00e1 acontecendo com a empresa?<\/h2>\n\n\n\n<p>Na quinta-feira da semana passada, o jornal o Estado de S.Paulo mostrou que a Hapvida est\u00e1 sendo investigada pelo&nbsp;<strong>Minist\u00e9rio P\u00fablico do Estado de S\u00e3o Paulo (MPE-SP)<\/strong>&nbsp;por se negar, diversas vezes, a cumprir&nbsp;<strong>decis\u00f5es judiciais<\/strong>&nbsp;que concediam tratamentos aos seus benefici\u00e1rios.<\/p>\n\n\n\n<p>A not\u00edcia caiu como uma bomba no mercado e fez as&nbsp;<strong>a\u00e7\u00f5es da Hapvida<\/strong>&nbsp;ca\u00edrem 6,98% no preg\u00e3o do \u00faltimo dia 18 de janeiro, fazendo com o que a operadora perdesse R$ 2,2 bilh\u00f5es em&nbsp;<a target=\"_blank\" href=\"https:\/\/www.suno.com.br\/artigos\/valor-de-mercado\/\" rel=\"noreferrer noopener\">valor de mercado<\/a>, colocando d\u00favidas e incertezas na cabe\u00e7a dos investidores.<\/p>\n\n\n\n<p>Segundo a publica\u00e7\u00e3o, h\u00e1 v\u00e1rios casos em que a&nbsp;<strong>Hapvida<\/strong>&nbsp;n\u00e3o prestou o atendimento solicitado por decis\u00f5es judiciais.<\/p>\n\n\n\n<p>Em comunicado enviado ao mercado assim que a not\u00edcia venho \u00e0 tona, a maior&nbsp;<strong>operadora de plano de sa\u00fade<\/strong>&nbsp;do Brasil afirmou categoricamente que&nbsp;<strong>\u201c<\/strong>n\u00e3o h\u00e1 pr\u00e1tica deliberada de descumprimento de decis\u00f5es e justificou que o setor de sa\u00fade suplementar vem enfrentando uma crescente judicializa\u00e7\u00e3o<strong>\u201d<\/strong>.<\/p>\n\n\n\n<p>Para a&nbsp;<strong>Hapvida<\/strong>, essa pr\u00e1tica judicial vem sendo utilizada antes mesmo de uma concilia\u00e7\u00e3o pelos canais das operadoras e da Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS) sendo que, em alguns casos, envolvem fraudes e solicita\u00e7\u00f5es de coberturas n\u00e3o contratadas. \u201cEssa judicializa\u00e7\u00e3o gera um preju\u00edzo para toda a popula\u00e7\u00e3o, refletindo, por exemplo, em reajustes nos planos de sa\u00fade de todos os clientes\u201d.<a href=\"https:\/\/lp.suno.com.br\/planilha-da-vida-financeira\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/lp.suno.com.br\/ebook-como-analisar-uma-acao\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/ebook-como-analisar-uma-acao\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Mobile.jpg\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Desktop.jpg\"\n\t\t\t\t\tdata-promo-id=\"378302\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='286'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Desktop.jpg\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">Desempenho das a\u00e7\u00f5es de Hapvida<\/h2>\n\n\n\n<div class=\"pluginQuotation\">\n  <p class=\"ticker\">\n    Cota\u00e7\u00e3o <span>HAPV3<\/span>\n  <\/p>\n  <div class=\"info\">\n    <div class=\"leftSide\">\n      Gr\u00e1fico gerado em: 23\/01\/2024    <\/div>\n\t\t\t\t\t<div class=\"rightSide\">\n\t\t\t\t\t<span class=\"period\">\n\t\t\t\t\t\t5 Dias\t\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t  <\/div>\n\n  <div id=\"chart-65a320a47b9e3cd24cdcb3bb1da50a38\" data-block-hash=\"65a320a47b9e3cd24cdcb3bb1da50a38\"  class=\"chart\" style=\"width:100%;height:400px;\"><\/div>\n\n  <div class=\"pluginQuotation__footer\">\n    <div class=\"dataChart\">\n\n      <div class=\"dataChart__div1 variation\">\n        <div class=\"value-negative\">\n          -14,45 (-0,64%)        <\/div>\n        <div class=\"text\">\n          Varia\u00e7\u00e3o do per\u00edodo\n        <\/div>\n      <\/div>\n\n      <div class=\"dataChart__div2 minMax\">\n        <div class=\"value\">\n          R$\u00a03,79        <\/div>\n        <div class=\"text\">\n          M\u00ednima\n        <\/div>\n      <\/div>\n\n      <div class=\"dataChart__div3 minMax\">\n        <div class=\"value\">\n          R$\u00a04,48        <\/div>\n        <div class=\"text\">\n          M\u00e1xima\n        <\/div>\n      <\/div>\n\n\t\t\t<div class=\"dataChart__div4 rightSide\">\n\t\t\t\t<div class=\"analiticaSource\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tFonte:\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<img decoding=\"async\" class=\"analiticaLogo\" src=\"https:\/\/www.suno.com.br\/noticias\/wp-content\/plugins\/suno-block-ticker-quotation\/src\/suno-analitica-logo.png\" alt=\"Logo Suno Anal\u00edtica\" \/>\n\t\t\t\t<\/div>\n\n\t\t\t\t<a href=\"https:\/\/www.suno.com.br\/analitica\/acoes\/HAPV3\" target=\"_blank\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tVer mais cota\u00e7\u00f5es\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"9\" height=\"8\" viewBox=\"0 0 9 8\" fill=\"none\">\n\t\t\t\t\t\t<path d=\"M4.20996 0L3.50496 0.705L6.29496 3.5H0.209961V4.5H6.29496L3.50496 7.295L4.20996 8L8.20996 4L4.20996 0Z\" fill=\"#D42126\" \/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/a>\n    <\/div>\n\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<script type=\"text\/javascript\">\n  let chart_65a320a47b9e3cd24cdcb3bb1da50a38 = document.getElementById('chart-65a320a47b9e3cd24cdcb3bb1da50a38');\n  let data_json_65a320a47b9e3cd24cdcb3bb1da50a38 = \"[{\\\"date\\\":\\\"17\\\\\\\/01\\\\\\\/24 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Hapvida (HAPV3) Foto: Divulga\u00e7\u00e3o. No texto, o banco reduziu as estimativas de lucro l\u00edquido ajustado da Hapvida para [&hellip;]<\/p>\n","protected":false},"author":313,"featured_media":326467,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[64],"tags":[286,105816,497],"suno_strategy":[],"class_list":["post-514485","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios","tag-acoes","tag-especialistas","tag-hapvida-hapv3"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hapvida (HAPV3): banco ajusta estimativas para 2024; confira<\/title>\n<meta name=\"description\" content=\"Em relat\u00f3rio, o Goldman fez uma previs\u00e3o sobre os resultados do 4T23 da Hapvida, al\u00e9m de reduzir as estimativas de lucro para 2024 e 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.suno.com.br\/noticias\/hapvida-hapv3-estimativas-2024-gpj\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hapvida (HAPV3): banco ajusta estimativas para 2024; 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Foi editor web no Startupi e no Finsiders, atuando ainda como editor no TC Mover, portal de not\u00edcias da TradersClub, fazendo a cobertura de assuntos relacionados ao mercado financeiro interno e externo. Atualmente, \u00e9 Rep\u00f3rter do Suno Not\u00edcias.","url":"https:\/\/www.suno.com.br\/noticias\/author\/giovanni-porfiriosuno-com-br\/"}]}},"default_loop_html":"<div class=\"cardsPage__listCard__boxs\"><div class=\"cardsPage__listCard__boxs__img\"><a href=\"https:\/\/www.suno.com.br\/noticias\/hapvida-hapv3-estimativas-2024-gpj\/\"><img class=\"mask\" src=\"https:\/\/www.suno.com.br\/noticias\/wp-content\/themes\/suno\/resources\/images\/spotlight\/spotlight1img\/bg-mask.png\" alt=\"Image Mask\"\/><img src=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/11\/hapvida-hapv3-400x200.jpeg\" alt=\"Hapvida (HAPV3): banco ajusta estimativas para 2024; confira\"\/><\/a><span class=\"spotlightCategory\"><a href=\"https:\/\/www.suno.com.br\/noticias\/negocios\/\">Neg\u00f3cios<\/a><\/span><\/div><div class=\"cardsPage__listCard__boxs__content\"><a href=\"https:\/\/www.suno.com.br\/noticias\/hapvida-hapv3-estimativas-2024-gpj\/\"><h2 class=\"content__title\">Hapvida (HAPV3): banco ajusta estimativas para 2024; confira<\/h2><\/a><div class=\"newsContent__article__meta\"><div class=\"newsContent__article__meta__authorBox\"><a href=\"https:\/\/www.suno.com.br\/noticias\/author\/giovanni-porfiriosuno-com-br\/\" class=\"authorBox__avatar noMobi\"><img src=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2024\/05\/DSCF4115-1-1-150x150.webp\" alt=\"Giovanni Porf\u00edrio Jacomino\"><\/a><div class=\"authorBox__name\"><span>por\n\t\t\t<a href=\"https:\/\/www.suno.com.br\/noticias\/author\/giovanni-porfiriosuno-com-br\/\"><span itemprop=\"author\">Giovanni Porf\u00edrio Jacomino<\/span><\/a><\/span><time datetime=\"2024-01-23T11:53:57-03:00\" itemprop=\"datePublished\">23\/01\/2024 11:53<\/time><\/div><\/div><\/div><\/div><\/div>","single_layout":"posts","amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/posts\/514485"}],"collection":[{"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/users\/313"}],"replies":[{"embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/comments?post=514485"}],"version-history":[{"count":2,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/posts\/514485\/revisions"}],"predecessor-version":[{"id":514581,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/posts\/514485\/revisions\/514581"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/media\/326467"}],"wp:attachment":[{"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/media?parent=514485"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/categories?post=514485"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/tags?post=514485"},{"taxonomy":"suno_strategy","embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/suno_strategy?post=514485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}