Fundamentos Tempo Assist - 3T13 (Valores) .

Informaes Financeiras Tempo Assist - Tempo Participaes S.A.
Informaes Consolidadas
2011-2013
Resultado Consolidado
Assistncia
Sade Solues
Seguradora Sade
Fluxo de Caixa
Consolidado
Evoluo de tens e Vidas
Relaes com
paes S.A.
ra Sade
Odonto
tens e Vidas
Relaes com Investidores
Home Care
Resultado Consolidado
DRE
(Em milhes de Reais)
1T11
2T11
3T11
4T11
1T12
2T12
3T12
Receita Bruta
251.8
269.9
289.7
267.9
297.9
315.1
313.5
(-) Impostos
Receita Lquida de Impostos
(-) Repasses
(5.6)
246.2
(69.8)
(4.4)
265.5
(86.3)
(5.1)
284.6
(90.2)
(7.5)
260.5
(82.4)
(6.2)
291.7
(80.3)
(6.8)
308.2
(83.9)
(7.1)
306.4
(76.7)
176.4
(111.7)
64.7
36.7%
(47.4)
179.2
(116.7)
62.5
34.9%
(45.6)
194.4
(128.5)
65.9
33.9%
(46.0)
178.1
(127.3)
50.8
28.5%
(29.1)
211.4
(137.6)
73.8
34.9%
(55.3)
224.4
(146.1)
78.2
34.9%
(55.8)
229.7
(160.1)
69.6
30.3%
(45.2)
17.3
9.8%
(6.0)
11.4
6.5%
16.9
9.4%
(8.1)
8.8
4.9%
19.9
10.2%
(8.4)
11.5
5.9%
21.7
12.2%
(11.8)
10.0
5.6%
18.5
8.7%
(7.7)
10.7
5.1%
22.4
10.0%
(8.5)
13.9
6.2%
24.4
10.6%
(8.8)
15.6
6.8%
Depreciao e Amortizao
Equivalncia Patrimonial
Resultado Financeiro
IR e Contribuio Social
Lucro Lquido
(4.1)
0.0
4.6
(5.5)
6.5
(4.1)
1.0
0.3
(1.9)
4.1
(4.5)
0.0
3.6
(0.5)
10.1
(4.8)
(3.0)
3.6
5.7
11.4
(4.5)
(0.0)
3.0
(2.5)
6.7
(5.6)
0.0
3.8
(6.8)
5.4
(9.4)
0.5
1.9
(2.1)
6.4
Margem Lquida (%)
3.7%
2.3%
5.2%
6.4%
3.2%
2.4%
2.8%
(-) Ajustes No Recorrentes no Ebitda

EBITDA Recorrente
Margem EBITDA Recorrente (%)
(1.6)
12.9
7.3%
(2.2)
10.9
6.1%
(0.1)
11.6
6.0%
(0.4)
10.3
5.8%
(0.9)
11.6
5.5%
(0.9)
14.8
6.6%
5.3
10.3
4.5%
Receita Lquida
Custo (lquido de repasses) dos Servios Prestados
Lucro Bruto
Margem Bruta (%)
Despesas Gerais e Administrativas
Resultado Operacional
Margem Operacional (%)
Despesas Corporativas
EBITDA
Margem EBITDA (%)
DG&A Corporativas

Despesas com Pessoal
Despesas com Comercializao
Despesas com Tecnologia e Telecom
Proviso para Contingncias
Outras Receitas (Despesas) Operacionais, Lquidas
DG&A percentual sobre Receita Lquida (%)
1T11
(6.0)
(3.2)
(0.1)
(0.1)
(2.6)
3.4%
2T11
(8.1)
(5.2)
(0.0)
(0.1)
(2.8)
4.5%
3T11
(8.4)
(5.1)
(0.1)
(0.0)
(3.2)
4.3%
4T11
(11.8)
(8.3)
(0.1)
(0.1)
0.0
(3.3)
6.6%
1T12
(7.7)
(5.0)
(0.1)
(0.2)
0.5
(3.0)
3.7%
2T12
(8.5)
(5.2)
(0.1)
(0.2)
(0.0)
(3.0)
3.8%
3T12
(8.8)
(5.5)
(0.1)
(0.2)
0.0
(3.1)
3.8%
Assistncia
DRE
1T11
2T11
Receita Bruta
(-) Impostos
65.6
(1.7)
68.8
(2.0)
Receita Lquida
63.9
66.8
Custo dos Servios Prestados

Lucro Bruto
(47.6)
16.3
(47.9)
18.9
Margem Bruta (%)

EBITDA
Margem EBITDA (%)
Lucro Lquido
Margem Lquida (%)
25.5%
(13.3)
3.0
4.7%
(2.3)
0.7
1.1%
(1.5)
0.5
(0.9)
(1.1)
-1.8%
28.3%
(11.9)
7.0
10.5%
(2.5)
4.5
6.8%
(1.5)
0.3
(1.2)
2.2
3.3%
(-) Ajustes No Recorrentes sobre o Ebitda

EBITDA Recorrente
(0.2)
0.9
1.4%
4.5
6.8%
Receita Bruta, Itens e Ticket Mdio por Segmento

Receita Bruta Assistncia Veculos (R$ milhes)
Nmeros de Itens (milhes)
Ticket Mdio Mensal (R$)*
Receita Bruta Assistncia Residencial (R$ milhes)
Receita Bruta Assistncia Pessoas (R$ milhes)
Receita Bruta Total (R$ milhes)
1T11
45.1
2.3
6.6
13.6
2.8
1.6
6.8
9.7
0.2
65.6
2T11
46.7
2.3
6.8
13.8
2.7
1.7
8.3
10.1
0.3
68.8

14.8
15.1
1.5
1.5
* Clculo do Ticket mdio Mensal (R$) - Considerado a mdia dos beneficirios de cada perodo.
Sinistralidade por Segmento

Custo Assistncia Veculos (R$ milhes)
Custo Mdio Mensal por Item (R$)
Sinistralidade (%)
1T11
(36.8)
(5.3)
81.5%
2T11
(35.7)
(5.1)
76.5%
Custo Assistncia Residencial (R$ milhes)

Sinistralidade (%)
Custo Assistncia Pessoas (R$ milhes)
Sinistralidade (%)
Custo Total (R$ milhes)
Sinistralidade (%)
Despesas

Proviso para Devedores Duvidosos
Balano Patrimonial
(Em milhares de Reais)
ATIVO
Ativo Circulante
Caixa e equivalentes de caixa
Aplicaes financeiras
Contas a receber
Proviso para crdito de liquidao duvidosa
Estoques de medicamentos
Crditos tributrios e previdencirios
Outros ativos
Realizvel a longo prazo
Impostos diferidos - LP
(8.1)
(1.0)
59.1%
(2.8)
(0.1)
40.9%
(47.6)
(1.1)
72.6%
1T11
(13.3)
0.1
(8.6)
(0.2)
(3.1)
(0.0)
(1.5)
20.8%
(8.8)
(1.1)
64.0%
(3.3)
(0.1)
39.8%
(47.9)
(1.1)
69.5%
2T11
(11.9)
(0.1)
(8.0)
(0.1)
(2.2)
(0.1)
(1.3)
17.8%
1T11
2T11
126,669
78,573
4,478
11,889
34,319
(2,511)
30,031
368
135,181
79,650
33
14,676
38,193
(2,583)
29,313
18
27,354
9,215
36,243
10,195
Crdito fiscal
Outros ativos
Partes Relacionadas
Outros Ttulos a Receber
Permanente
Adiantamento para compra de investimentos
Investimento
Imobilizado
Intangvel
PASSIVO
Passivo Circulante
Provises Tcnicas
Fornecedores
Partes relacionadas a pagar
Contrato de arrendamento mercantil
Imposto de renda e contribuio social
Outros impostos e contribuies
Emprstimos e financiamentos
Obrigaes com pessoal e encargos sociais
Contas a pagar por aquisies de controlada
Adiantamento de clientes
Demais contas a pagar
Exigvel a longo prazo
Proviso para contingncias, lquidas
Contas a pagar por aquisio de controlada
Demais contas a pagar - LP
Contrato de arrendamento mercantil - LP
Proviso para passivos a descoberto
Provises Tcnicas - LP
Outros impostos e contribuies - LP
Patrimnio lquido
Capital social
Adiantamento para futuro aumento de capital
Reserva de capital
Aes em tesouraria, adquiridas por controlada
Lucros (prejuzos) acumulados
Ajustes de Avaliao Patrimonial
0
1,375
16,764
-
0
1,343
24,705
-
20,741
2,104
18,637
19,287
1,867
17,420
126,669
28,243
12,171
2,478
156
821
8,538
3,450
628
135,181
34,619
14,427
6,843
159
821
9,067
3,053
249
1,129
1,015
114
97,297
5,560
37,463
43,973
(19,461)
29,761
-
1,073
1,002
(0)
72
99,488
67,100
435
31,953
-
3T11
4T11
1T12
2T12
98.9
(2.9)
71.1
82.1
96.0
(52.5)
18.7
(57.0)
25.1
(67.2)
28.8
(70.0)
31.0
(69.6)
30.3
(69.3)
34.5
(72.9)
39.2
26.2%
(12.7)
5.9
8.3%
(2.6)
3.3
4.7%
(1.4)
0.4
(0.7)
1.6
2.3%
30.6%
(16.0)
9.1
11.1%
(4.5)
4.7
5.7%
(2.0)
1.3
(4.5)
(0.5)
-0.6%
30.0%
(17.8)
11.0
11.5%
(3.1)
7.9
8.2%
(1.5)
0.7
(2.9)
4.2
4.4%
30.7%
(18.1)
12.9
12.7%
(3.2)
9.6
9.5%
(2.5)
(1.3)
(2.0)
3.8
3.8%
30.3%
(12.2)
18.0
18.1%
(3.3)
14.8
14.8%
(6.3)
0.1
(2.9)
5.6
5.6%
33.2%
(22.2)
12.3
11.9%
(3.9)
8.4
8.1%
(1.8)
0.2
(0.2)
(2.3)
4.3
4.1%
34.9%
(26.2)
13.0
11.6%
(3.8)
9.2
8.2%
(1.8)
0.4
0.0
(2.5)
5.4
4.8%
3.3
4.7%
(1.8)
6.5
7.9%
7.9
8.2%
9.6
9.5%
6.2
8.6
8.6%
(1.3)
9.7
9.4%
9.2
8.2%
50.9
2.4
7.2
15.0
3.1
1.7
7.0
10.5
0.2
73.0
4T11
54.8
2.5
7.4
18.7
6.6
1.3
11.6
15.7
0.3
85.0
1T12
62.6
3.3
7.2
20.3
7.3
1.0
16.0
14.5
0.4
98.9
2T12
65.3
3.4
6.5
20.6
7.6
0.9
18.4
15.7
0.4
104.3
99.9
3T12
62.6
3.1
6.4
21.1
7.0
1.0
20.0
15.6
0.4
103.7
106.8
(2.9)
1T13
85.0
(2.9)
101.0
103.7
(3.8)
4T12
73.0
(1.9)
3T11
104.3
(3.2)
3T12
103.9
4T12
66.0
3.1
7.1
19.8
6.8
1.0
22.3
16.2
0.5
108.1
115.5
(3.4)
112.1
1T13
70.3
3.2
7.4
18.0
6.0
0.9
27.2
16.8
0.5
115.5
16.0
1.6
3T11
(38.2)
(5.3)
75.0%
24.8
1.4
4T11
(41.4)
(5.5)
75.6%
25.0
1.3
1T12
(51.0)
(5.2)
81.5%
26.6
1.3
2T12
(53.0)
(5.2)
81.1%
25.7
1.3
3T12
(50.2)
(5.2)
80.2%
26.1
1.4
4T12
(51.3)
(5.5)
77.8%
25.9
1.5
1T13
(56.1)
(5.9)
79.8%
(9.8)
(1.0)
65.2%
(4.5)
(0.1)
63.6%
(52.5)
(1.1)
71.9%
3T11
(12.7)
(0.2)
(8.6)
(0.1)
(2.9)
(0.2)
(0.8)
17.9%
(10.6)
(0.5)
56.8%
(5.0)
(0.1)
43.2%
(57.0)
(0.8)
67.0%
4T11
(16.0)
(0.3)
(9.9)
(0.1)
(2.5)
(2.1)
(1.1)
19.5%
(11.0)
(0.5)
54.1%
(5.2)
(0.1)
32.5%
(67.2)
(0.9)
68.0%
1T12
(17.8)
(0.1)
(9.4)
(0.0)
(3.2)
(0.2)
(4.8)
18.5%
(10.8)
(0.5)
52.6%
(6.2)
(0.1)
33.9%
(70.0)
(0.9)
67.2%
2T12
(18.1)
(0.1)
(10.7)
(0.2)
(3.1)
(0.1)
(4.0)
17.9%
(10.6)
(0.5)
50.2%
(8.9)
(0.2)
44.3%
(69.6)
(0.9)
67.1%
3T12
(12.2)
(0.5)
(10.5)
(0.6)
(3.0)
(0.1)
2.4
12.2%
(9.2)
(0.4)
46.6%
(8.9)
(0.2)
39.7%
(69.3)
(0.9)
64.1%
4T12
(22.2)
1.0
(3.4)
(1.8)
(0.1)
(1.4)
(16.5)
21.4%
(8.5)
(0.4)
47.3%
(8.9)
(0.2)
32.6%
(72.9)
(0.9)
63.1%
1T13
(26.2)
(0.0)
(2.9)
(3.7)
0.4
(0.2)
(19.7)
23.3%
3T11
4T11
1T12
2T12
3T12
4T12
1T13
134,749
77,975
(772)
11,311
41,575
(2,787)
28,495
153
148,218
87,453
(61)
18,245
41,170
(2,459)
29,834
724
159,126
96,536
37
15,845
47,799
(2,597)
30,212
5,240
166,817
103,830
373
16,718
52,533
(2,659)
30,824
6,042
165,740
107,777
4,350
14,301
53,137
(3,144)
30,213
8,920
176,464
98,876
292
8,466
52,094
(2,142)
29,328
10,838
194,568
131,307
3,349
27,163
54,608
(2,189)
29,696
18,680
38,910
11,676
41,097
12,164
44,176
11,556
45,864
10,786
46,352
9,967
63,953
9,297
50,426
8,562
0
1,344
25,890
-
721
28,212
-
0
733
31,887
-
0
710
34,368
-
0
711
35,675
-
0
4,990
49,666
-
0
5,043
36,822
-
17,863
1,633
16,230
19,669
2,296
17,373
18,414
2,168
16,246
17,123
1,987
15,135
11,611
1,814
9,797
13,635
2,073
1,635
9,928
12,835
2,511
1,474
8,849
134,749
32,572
14,897
4,504
174
821
8,821
3,418
(62)
148,218
33,219
22,749
5,038
150
1,625
3,674
(16)
159,126
39,822
26,595
7,819
113
63
1,538
3,710
(16)
166,817
43,681
29,125
8,704
69
84
1,100
3,441
1,157
165,740
63,157
24,588
9,839
23
158
931
20,311
3,587
3,720
176,464
69,673
26,992
8,349
6
1,546
22,275
1,783
2,376
6,347
194,568
82,348
34,237
7,961
1,561
20,152
2,335
2,376
13,724
1,070
1,046
24
-
14,271
2,921
6
11,345
14,357
3,013
11,345
14,328
2,962
11,366
14,073
2,758
11,315
14,046
3,811
10,236
14,121
3,895
10,226
101,107
67,100
435
33,571
-
100,728
67,100
435
33,086
107
104,947
67,099
435
37,306
107
108,808
67,099
435
41,126
148
88,511
67,099
435
20,926
50
92,744
67,099
435
25,192
18
98,099
67,099
25,627
5,373
(0)
Menu
Resultado
Consolidado
Assistncia
2T13
116.0
(4.4)
111.6
3T13
123.8
(5.3)
118.6
(63.7)
47.9
(66.2)
52.4
43.0%
(29.1)
18.8
16.9%
(4.1)
14.7
13.2%
(0.8)
0.3
(1.4)
(4.2)
8.7
7.8%
44.2%
(31.5)
20.9
17.6%
(3.9)
17.0
14.3%
(1.9)
0.3
(0.2)
(5.0)
10.2
8.6%
14.7
13.2%
17.0
14.3%
2T13
66.4
2.7
7.5
17.4
6.5
0.9
32.1
19.6
0.6
116.0
3T13
65.0
2.8
7.9
20.8
6.5
1.1
38.0
19.1
0.7
123.8
Sade Solues
Seguradora Sade
Odonto
Home Care
Fluxo de Caixa
Consolidado
Evoluo de tens
e Vidas
28.8
1.4
2T13
(46.5)
(5.3)
70.0%
28.3
1.4
3T13
(46.3)
(5.6)
71.1%
(8.7)
(0.5)
49.9%
(8.5)
(0.2)
26.3%
(63.7)
(0.8)
54.9%
2T13
(29.1)
(0.2)
(2.0)
(7.4)
(0.5)
(0.1)
(19.0)
26.1%
(9.7)
(0.5)
46.7%
(10.2)
(0.2)
26.8%
(66.2)
(0.8)
53.4%
3T13
(31.5)
0.1
(2.4)
(10.4)
(0.2)
0.2
(18.9)
26.6%
2T13
3T13
194,444
119,679
1,021
16,035
50,167
(2,339)
29,443
25,353
209,258
137,705
890
17,948
62,435
(2,200)
29,151
29,481
48,557
7,348
46,424
5,600
0
5,042
36,167
-
0
4,577
36,248
-
26,208
3,857
1,323
21,027
25,129
4,178
1,215
19,736
194,444
95,083
42,756
6,319
878
1,402
20,715
2,052
3,852
17,108
209,258
107,220
38,243
6,979
585
1,277
20,385
2,678
16,772
20,303
14,235
4,011
10,224
13,330
3,186
10,144
85,126
67,099
3,987
14,043
(3)
88,708
67,099
3,987
17,744
(123)
Sade So
DRE
Receita Bruta
(-) Impostos
Receita Lquida com Repasse
(-) Repasse
Receita Lquida
Lucro Bruto
Margem Bruta (%)
EBITDA
Margem EBITDA (%)
Lucro Lquido
Margem Lquida (%)
(-) Ajustes no recorrentes
EBITDA Recorrente
Receita Bruta, Beneficirios e Ticket Mdio por Segmento

Receita Bruta (R$ milhes)
Repasse (R$ milhes)
Planos Administrados (R$ milhes)
Aluguel de Rede (R$ milhes)
Fee (R$ milhes)
Fee por Vida (R$ milhes)
Beneficirios (milhes)
Fee por Utilizao (R$ milhes)
Beneficirios (milhes)
Repasse de Aluguel de Rede (R$ milhes)
Fee em Percentual do Repasse (%)
1T11
2T11
83.1
(1.1)
82.0
(63.3)
18.7
18.7
100.0%
(12.4)
6.3
33.6%
(2.5)
3.8
20.2%
(0.5)
0.3
(1.2)
2.4
13.0%
97.0
(0.9)
96.1
(78.6)
17.4
17.4
100.0%
(14.1)
3.3
18.9%
(2.8)
0.5
3.1%
(0.5)
1.0
0.3
(0.1)
1.2
7.1%
3.8
20.2%
0.5
3.1%
1T11
83.1
63.3
31.4
31.9
19.8
14.3
1.2
4.0
5.5
0.4
31.9
17.2%
2T11
97.0
78.6
39.4
39.2
18.4
13.5
1.2
3.8
4.8
0.4
39.2
12.4%
Glosa (R$ milhes)

Fee - Glosa (R$ milhes)
* Clculo do Ticket mdio Mensal (R$) - Considerado a mdia dos beneficirios de cada perodo.
Despesas
1T11
(12.4)
2T11
(14.1)

Balano Patrimonial
ATIVO
Ativo Circulante
Contas a receber
Outros ativos
Crdito fiscal
Outros ativos
Partes Relacionadas
Permanente
Investimento
Imobilizado
Intangvel
PASSIVO
(0.2)
(7.1)
(1.1)
(1.6)
0.1
(2.6)
66.4%
(1.0)
(7.7)
(0.2)
(1.5)
(0.1)
(3.6)
81.1%
1T11
2T11
141,728
107,769
1,555
11,852
71,807
(5,594)
22,470
5,678
148,953
113,025
2,006
22,713
65,516
(6,502)
24,820
4,472
29,785
3,907
572
25,306
-
32,189
2,995
572
28,621
-
4,174
96
747
3,331
3,740
96
660
2,984
141,728
148,953
Passivo Circulante
Provises Tcnicas
Fornecedores
Patrimnio lquido
Capital social
Reserva de capital
68,574
28,377
2,387
18,352
184
7,395
4,630
3,118
3,873
258
75,600
32,836
1,660
24,307
185
5,753
4,879
3,141
2,581
258
3,922
1,682
108
2,880
1,676
62
2,132
-
1,142
-
69,232
34,826
19,909
14,497
-
70,473
34,826
19,909
15,738
-
Sade Solues
3T11
4T11
1T12
2T12
3T12
4T12
1T13
105.2
(1.4)
103.8
(80.1)
23.7
23.7
100.0%
(13.6)
10.0
42.4%
(2.6)
7.5
31.6%
(0.4)
0.0
0.4
(2.2)
5.2
22.1%
89.9
(1.0)
88.9
(73.2)
15.7
15.7
100.0%
(12.4)
3.3
21.1%
(2.7)
0.6
3.9%
(0.5)
(3.4)
1.3
2.6
0.6
3.8%
90.1
(1.0)
89.1
(71.4)
17.8
17.8
100.0%
(15.0)
2.8
15.8%
(2.3)
0.5
2.9%
(0.5)
0.9
1.4
2.3
13.2%
94.1
(1.0)
93.1
(74.1)
19.1
19.1
100.0%
(12.1)
6.9
36.3%
(2.3)
4.6
24.0%
(0.5)
0.2
(3.7)
0.6
3.3%
87.2
(1.0)
86.1
(66.6)
19.5
19.5
100.0%
(10.4)
9.1
46.5%
(2.5)
6.5
33.6%
(0.5)
0.5
0.4
(1.8)
5.1
26.0%
62.2
(0.8)
61.4
(50.7)
10.7
10.7
100.0%
(5.9)
4.8
45.1%
(3.1)
1.8
16.6%
(0.5)
0.8
1.3
(1.6)
1.7
16.3%
52.6
(0.9)
51.6
(41.9)
9.7
9.7
100.0%
(11.1)
(1.4)
-14.2%
(1.6)
(3.0)
-30.6%
(0.6)
0.2
0.5
1.0
(1.8)
-18.1%
7.5
31.6%
(2.5)
3.1
19.6%
0.5
2.9%
4.6
24.0%
6.5
33.6%
1.8
16.6%
(3.0)
-30.6%
3T11
105.2
80.1
28.6
51.6
25.1
14.5
1.2
4.1
10.6
0.5
51.6
20.5%
4T11
89.9
73.2
37.2
36.0
16.7
12.2
1.1
3.6
4.5
0.5
36.0
12.5%
1T12
90.1
71.4
32.4
38.9
18.7
12.0
1.1
3.6
6.7
0.5
38.9
17.2%
2T12
94.1
74.1
34.8
39.3
20.1
12.8
1.1
3.8
7.3
0.5
39.3
18.6%
3T12
87.2
66.6
26.5
40.1
20.5
11.5
1.0
3.7
9.0
0.5
40.1
22.4%
4T12
66.5
50.7
28.9
21.8
15.7
11.2
0.9
3.8
4.5
0.1
21.8
20.7%
1T13
54.3
41.9
28.5
13.4
12.4
10.5
0.9
4.0
1.9
0.1
13.4
0.8%
3T11
(13.6)
4T11
(12.4)
1T12
(15.0)
2T12
(12.1)
3T12
(10.4)
(4.3)
11.5
4T12
(5.9)
(1.8)
10.6
1T13
(11.1)
0.2
(8.2)
0.7
(1.3)
(0.0)
(5.0)
57.6%
(0.4)
(7.1)
(0.4)
(1.0)
0.3
(3.7)
78.9%
(3.2)
(6.6)
(0.3)
(1.2)
(0.0)
(3.7)
84.2%
0.1
(7.1)
(0.3)
(1.1)
(0.1)
(3.7)
63.7%
1.0
(6.8)
(0.4)
(0.7)
(0.1)
(3.5)
53.5%
2.2
(5.3)
(0.5)
(0.2)
(0.3)
(1.8)
54.9%
(0.7)
(5.2)
(0.4)
(0.4)
(0.1)
(4.3)
114.2%
3T11
4T11
1T12
2T12
3T12
4T12
1T13
169,174
133,988
1,712
37,417
72,762
(6,293)
23,557
4,834
173,603
132,202
943
45,954
67,816
(6,419)
19,037
4,871
177,168
132,486
589
36,959
78,971
(9,405)
20,491
4,882
175,713
139,199
2,862
32,502
83,779
(9,250)
24,526
4,780
164,467
129,050
3,266
16,242
86,233
(8,243)
26,265
5,287
179,363
140,320
631
33,549
74,409
(3,656)
30,416
4,971
141,413
100,570
780
18,390
47,289
(4,240)
33,477
4,874
27,492
5,540
782
21,170
-
33,420
9,780
966
22,674
-
36,690
12,932
968
22,790
-
27,824
7,481
941
19,401
-
25,784
7,122
860
17,802
-
28,134
5,501
1,378
21,255
-
29,636
6,567
1,442
21,626
-
7,694
96
3,859
595
3,143
7,981
96
3,556
529
3,800
7,992
96
3,556
487
3,852
8,691
96
3,556
523
4,515
9,633
96
4,023
457
5,057
10,909
4,809
432
5,668
11,207
5,047
362
5,799
169,174
173,603
177,168
175,713
164,467
179,601
141,413
75,348
36,657
1,589
9,447
190
9,324
4,530
7,041
3,627
2,681
260
1,722
1,702
(4,776)
20
92,104
34,826
36,309
20,969
-
77,218
38,702
1,519
18,513
157
1,084
7,248
2,793
2,852
4,351
78,335
37,835
1,300
19,902
112
742
1,169
7,040
2,798
3,086
4,351
76,215
35,019
5,997
21,110
60
885
7,202
2,967
2,976
0
81,898
38,649
6,692
22,416
19
606
7,033
3,202
3,280
0
87,838
29,973
3,844
33,758
5
1,285
13,170
2,092
3,713
0
51,492
13,464
2,144
21,119
936
7,000
3,042
3,787
0
8,030
1,489
5
8,138
1,564
-
8,166
1,593
-
8,243
1,669
-
7,335
1,378
-
7,253
1,296
-
6,536
6,574
6,574
6,574
5,957
5,957
88,355
34,826
36,309
642
16,578
-
90,695
34,826
36,309
642
18,918
-
91,331
71,135
642
19,554
-
74,326
55,157
642
18,528
-
84,427
55,430
12,224
642
16,132
-
82,668
55,430
12,224
6,308
8,706
-
Menu
Resultado
Consolidado
Assistncia
2T13
3T13
55.3
(0.9)
54.4
(43.6)
10.9
10.9
100.0%
(13.4)
(2.5)
-23.2%
(1.7)
(4.2)
-38.9%
(0.6)
0.2
0.7
1.3
(2.6)
-23.5%
57.1
(0.9)
56.2
(45.0)
11.2
11.2
100.0%
(11.9)
(0.7)
-5.8%
(1.7)
(2.4)
-21.2%
(0.6)
0.3
0.8
0.8
(1.2)
-10.5%
(4.2)
-38.9%
(2.4)
-21.2%
2T13
56.3
43.6
30.4
13.2
12.7
10.8
0.9
4.1
1.9
0.1
13.2
14.4%
3T13
57.8
45.0
33.1
12.0
12.8
10.9
0.9
4.1
1.9
0.1
12.0
15.8%
Sade Solues
Seguradora Sade
Odonto
Home Care
Fluxo de Caixa
Consolidado
Evoluo de tens
e Vidas
1.0
11.7
2T13
(13.4)
0.8
12.1
3T13
(11.9)
(0.3)
(6.3)
(0.5)
(0.3)
0.0
(6.0)
123.2%
1.0
(6.0)
(0.3)
(0.6)
(0.0)
(5.9)
105.8%
2T13
3T13
136,281
94,712
702
20,279
37,157
(4,341)
35,791
5,123
138,287
95,416
534
22,940
31,016
(3,328)
38,263
5,989
29,657
7,953
1,437
20,267
-
30,252
8,800
1,596
19,855
-
11,912
5,276
314
6,323
12,619
5,529
247
6,844
136,281
138,287
46,976
10,076
2,002
19,385
918
7,173
3,742
3,680
0
48,974
9,612
2,648
20,906
688
7,040
4,190
3,890
0
7,213
1,256
-
7,206
1,249
-
5,957
5,957
82,092
55,430
15,037
5,469
6,156
-
82,106
63,654
8,000
5,469
4,983
-
Seguradora
DRE
1T11
Receita Bruta
(-) Impostos
Receita Lquida com Repasse
(-) Repasse
Receita Lquida
Lucro Bruto
Margem Bruta (%)
EBITDA
Margem EBITDA (%)
Lucro Lquido
Margem Lquida (%)
EBITDA Recorrente
65.9
(1.0)
64.9
(6.5)
58.4
(43.1)
15.3
26.3%
(10.5)
4.9
8.3%
4.9
8.3%
(0.0)
1.9
(3.0)
3.8
6.5%
66.9
0.5
67.3
(7.7)
59.7
(48.7)
10.9
18.3%
(11.4)
(0.4)
-0.8%
(0.4)
-0.8%
3.2
(0.8)
1.9
3.2%
4.9
8.3%
(0.8)
0.3
0.5%
1T11
Receita Bruta Pr Pagamento (R$ milhes)

Beneficirios (em milhares)
Receita Bruta Ps Pagamento (R$ milhes)
Repasse (R$ milhes)
Fee (R$ milhes)
Fee por vida mensal (R$)*
* Clculo do Ticket mdio Mensal (R$) - Considerado a mdia dos beneficirios
2T11
2T11
59.0
59.0
72.2
73.5
272.2
269.8
6.9
7.9
6.5
7.7
0.4
0.2
8.6
9.0
16.6
7.7
65.9
66.9
80.8
82.5
271.8
272.9
de cada perodo.

Custo Pr Pagamento (R$ milhes)
Custo (R$ milhes)
PEONA (R$ milhes)
1T11
(43.1)
(41.7)
(1.3)
2T11
(48.7)
(48.8)
0.0
Sinistralidade (%)
Custo Ps Pagamento (R$ milhes)
Sinistralidade (%)
Despesas

Balano Patrimonial
ATIVO
Ativo Circulante
Contas a receber
Crdito fiscal e outros ativos
Crdito fiscal
Outros ativos
Partes Relacionadas
73.0%
(6.5)
N/A
(49.6)
1T11
(10.5)
0.2
(7.5)
(2.7)
0.0
(0.6)
17.9%
82.7%
(7.7)
N/A
(56.4)
2T11
(11.4)
(0.6)
(1.3)
(5.2)
2.7
0.5
(7.4)
19.0%
1T11
2T11
110,639
109,132
855
92,567
16,904
(8,442)
300
6,947
116,356
113,541
2,638
94,950
17,478
(8,698)
1,356
5,816
1,491
1,184
308
-
2,521
1,184
687
651
-
Permanente
Investimento
Imobilizado
Intangvel
PASSIVO
Passivo Circulante
Provises Tcnicas
Fornecedores
Patrimnio lquido
Capital social
Reserva de capital
16
13
3
295
13
282
110,639
51,814
25,172
5,933
1,032
10,174
1,187
-
116,356
56,049
24,383
5,188
401
1,848
10,735
1,430
-
8,316
12,064
2,172
2,108
64
-
1,742
1,677
64
-
56,653
41,803
14,300
(16,499)
17,049
-
58,565
41,803
14,300
(16,499)
18,961
-
Seguradora Sade
3T11
4T11
1T12
2T12
3T12
4T12
1T13
72.3
(0.6)
71.7
(10.1)
61.6
(50.9)
10.7
17.4%
(10.2)
0.5
0.9%
(0.2)
0.3
0.5%
(0.0)
(0.7)
2.9
2.4
3.9%
73.4
(1.6)
71.8
(9.2)
62.6
(52.1)
10.6
16.9%
(8.5)
2.1
3.4%
(2.5)
(0.4)
-0.6%
(0.0)
0.3
(3.2)
(3.4)
-5.5%
74.4
(0.7)
73.8
(8.9)
64.8
(51.9)
12.9
19.9%
(12.8)
0.1
0.2%
(0.7)
(0.6)
-0.9%
(0.1)
2.0
(0.9)
0.4
0.7%
79.0
(0.5)
78.5
(9.8)
68.7
(54.6)
14.1
20.5%
(14.4)
(0.3)
-0.4%
(0.7)
(0.9)
-1.4%
(0.1)
1.7
(0.7)
0.0
0.0%
84.2
(0.5)
83.7
(10.1)
73.6
(67.1)
6.5
8.8%
(12.9)
(6.4)
-8.7%
(0.7)
(7.1)
-9.7%
(0.1)
1.5
2.9
(2.9)
-4.0%
87.4
(0.6)
86.7
(9.8)
76.9
(64.5)
12.5
16.2%
(13.8)
(1.3)
-1.7%
(0.8)
(2.2)
-2.8%
(0.1)
1.0
0.5
(0.7)
-0.9%
83.5
(0.7)
82.8
(9.4)
73.4
(57.2)
16.2
22.1%
(12.8)
3.5
4.7%
(0.5)
2.9
4.0%
(0.2)
1.3
(1.5)
2.5
3.4%
(0.8)
1.1
1.7%
(0.4)
-0.6%
(0.6)
-0.9%
(0.9)
-1.4%
(7.1)
-9.7%
(2.2)
-2.8%
2.9
4.0%
3T11
61.8
79.3
269.6
10.5
10.1
0.4
8.3
14.8
72.3
87.6
283.2
4T11
63.9
82.8
262.9
9.5
9.2
0.3
8.0
11.7
73.4
90.8
274.3
1T12
65.2
87.0
256.1
9.203
8.9
0.3
7.9
10.7
74.4
94.9
267.2
2T12
69.0
94.0
254.4
10.0
9.8
0.1
7.6
6.3
79.0
101.6
268.1
3T12
73.8
97.6
257.0
10.3
10.1
0.3
7.5
11.1
84.2
105.1
271.5
4T12
77.3
95.8
266.4
10.1
9.8
0.3
7.2
13.9
87.4
103.0
279.9
1T13
74.9
89.0
270.1
9.7
9.4
0.3
0.0
28.4
84.6
89.1
293.7
3T11
(50.9)
(45.2)
(5.7)
4T11
(52.1)
(49.1)
(3.0)
1T12
(51.9)
(52.9)
1.0
2T12
(54.6)
(57.1)
2.5
3T12
(67.1)
(63.5)
(3.6)
4T12
(64.5)
(63.6)
(0.9)
1T13
(57.2)
(59.7)
2.5
82.4%
(10.1)
N/A
(61.0)
3T11
(10.2)
0.0
(0.4)
(7.0)
(0.0)
(0.4)
(2.3)
16.5%
3T11
91,033
87,288
4,515
68,841
16,496
(8,675)
1,359
4,751
3,133
1,717
688
729
-
81.4%
(9.2)
N/A
(61.3)
4T11
(8.5)
(0.7)
(1.9)
(5.9)
(0.1)
0.1
0.1
13.5%
79.6%
(8.9)
N/A
(60.9)
1T12
(12.8)
(0.5)
(1.6)
(6.4)
(0.1)
(0.4)
(3.7)
19.8%
79.0%
(9.8)
N/A
(64.4)
2T12
(14.4)
(0.1)
(1.6)
(7.1)
(0.1)
(0.1)
(5.3)
20.9%
90.9%
(10.1)
N/A
(77.2)
3T12
(12.9)
(0.7)
(1.7)
(6.2)
(0.2)
(0.1)
(4.0)
17.6%
83.4%
(9.8)
N/A
(74.2)
4T12
(13.8)
(0.4)
(1.4)
(7.7)
(0.1)
(0.3)
(4.0)
17.9%
76.3%
(9.4)
N/A
(66.6)
1T13
(12.8)
0.0
(1.7)
(7.1)
(0.2)
(0.1)
(3.7)
17.4%
4T11
1T12
2T12
3T12
4T12
1T13
135,758
131,329
1,255
116,190
18,471
(9,359)
3,174
1,597
136,089
131,438
665
115,320
19,681
(9,846)
4,018
1,600
144,356
139,248
6,769
118,649
17,788
(9,966)
4,300
1,709
130,963
124,547
707
105,777
20,266
(10,663)
5,914
2,546
129,880
112,410
930
91,099
23,169
(11,019)
5,686
2,545
132,598
115,980
1,006
98,600
18,655
(10,991)
6,034
2,676
14,792
3,814
68
616
10,293
13,919
3,360
70
446
10,044
2,657
1,962
0
695
-
2,793
2,084
16
693
-
2,965
2,229
4
732
-
4,017
3,271
4
738
3
612
13
599
1,772
58
1,714
1,858
104
1,753
2,143
194
1,949
2,400
312
2,087
2,678
356
2,322
2,699
345
2,354
135,758
41,621
28,454
646
2,760
4,691
1,167
-
136,089
40,981
28,226
937
2,319
3,483
1,280
-
144,356
45,757
33,644
761
2,054
445
2,807
1,021
-
130,963
43,419
33,962
829
587
1,897
1,070
-
129,880
44,777
34,955
1,351
1,644
4,161
631
1,789
132,598
46,314
39,046
739
2,441
3,141
946
-
1,320
3,903
4,736
5,026
5,074
245
1,804
1,739
64
-
13,931
1,779
89
12,062
14,464
2,344
58
12,062
16,043
2,675
37
13,331
12,468
2,138
43
10,287
8,559
2,296
45
6,218
8,054
2,359
35
5,660
46,415
41,803
14,300
(31,047)
21,359
-
80,206
41,803
15,409
13,206
9,788
80,644
41,803
27,504
1,549
9,788
82,556
41,803
27,504
1,558
11,690
75,076
41,803
27,504
(1,355)
7,124
76,545
41,803
27,504
1,559
5,678
78,230
41,803
28,448
3,138
4,841
91,033
42,814
28,004
3,434
940
(2,065)
9,751
1,429
-
Menu
Resultado
Consolidado
Assistncia
2T13
3T13
74.9
(0.6)
74.3
(1.4)
72.9
(64.7)
8.2
11.3%
(13.0)
(4.7)
-6.5%
(0.7)
(5.4)
-7.4%
(0.2)
0.3
2.0
(3.3)
-4.5%
72.2
(0.4)
71.7
(0.3)
71.4
(62.4)
9.1
12.7%
(12.8)
(3.7)
-5.2%
(0.7)
(4.4)
-6.2%
(0.2)
1.5
0.8
(2.3)
-3.2%
(5.4)
-7.4%
(1.3)
(3.1)
-4.3%
2T13
72.9
79.9
287.7
2.0
1.4
0.6
74.9
79.9
295.5
3T13
71.8
74.7
310.0
0.3
0.3
0.1
72.2
74.7
311.3
Sade Solues
Seguradora Sade
Odonto
Home Care
Fluxo de Caixa
Consolidado
Evoluo de tens
e Vidas
2T13
(64.7)
(61.7)
(3.0)
3T13
(62.4)
(62.9)
0.5
88.7%
(1.4)
N/A
(66.1)
2T13
(13.0)
(0.6)
(1.6)
(6.8)
(0.1)
(0.3)
(3.7)
17.8%
86.8%
(0.3)
N/A
(62.7)
3T13
(12.8)
0.1
(1.5)
(6.8)
(0.1)
0.2
(4.6)
17.9%
2T13
3T13
124,409
106,456
1,559
89,721
16,802
(11,542)
7,250
2,665
129,484
94,657
1,181
77,576
16,163
(11,480)
8,717
2,500
15,230
4,282
70
578
10,301
32,152
21,541
57
478
10,076
2,723
333
2,390
124,409
41,943
36,439
561
1,408
2,352
1,176
(0)
2,676
322
2,354
129,484
40,427
35,779
540
1,203
1,497
1,195
(0)
213
7,944
2,360
26
5,558
4,541
2,091
18
2,433
74,521
41,803
28,189
(160)
4,689
84,516
48,231
40,964
(2,472)
(2,206)
Odonto
DRE
1T11
2T11
Receita Bruta
(-) Impostos
Receita Lquida
Lucro Bruto
Margem Bruta (%)
EBITDA
Margem EBITDA (%)
Lucro Lquido
Margem Lquida (%)
20.9
(0.7)
20.2
(8.8)
11.4
56.3%
(9.8)
1.6
7.9%
(1.2)
0.4
1.8%
(0.4)
0.5
(0.2)
0.3
1.5%
17.7
(0.5)
17.2
(8.3)
8.9
51.9%
(6.7)
2.3
13.2%
(1.3)
0.9
5.4%
(0.4)
0.3
0.0
0.8
4.9%

EBITDA Recorrente
(1.9)
2.3
11.3%
0.9
5.4%
1T11
Receita Bruta Contratos Afinidades (R$ milhes)

Beneficirios (milhares)
Receita Bruta Contratos Corporativos (R$ milhes)
* Clculo do Ticket mdio Mensal (R$) - Considerado a mdia dos beneficirios

Custo Contratos Afinidades (R$ milhes)
2T11
7.6
8.9
249.3
266.0
10.1
11.5
13.3
8.9
270.9
235.9
16.3
11.6
20.9
17.7
520.3
501.8
13.4
11.6
de cada perodo.
1T11
(2.9)
2T11
(4.0)
Custo (R$ milhes)

PEONA (R$ milhes)
Sinistralidade (%)
Custo Contratos Corporativos (R$ milhes)
Custo (R$ milhes)
PEONA (R$ milhes)
Sinistralidade (%)
(2.9)
38.1%
(5.9)
(5.9)
44.7%
(5.3)
1.2
45.4%
(4.3)
(4.3)
0.1
48.0%

Sinistralidade (%)
Despesas

Balano Patrimonial
ATIVO
Ativo Circulante
Contas a receber
Crdito fiscal e outros ativos
Crdito fiscal
Outros ativos
Partes Relacionadas
Permanente
(8.8)
42.3%
1T11
(9.8)
(1.2)
(2.7)
(3.4)
(0.6)
(0.2)
(1.7)
48.4%
1T11
(8.3)
46.7%
2T11
(6.7)
(0.9)
(2.5)
(1.1)
(0.7)
(0.2)
(1.1)
38.7%
2T11
84,875
51,122
753
28,507
27,939
(13,274)
4,630
2,567
81,699
45,651
1,228
28,665
22,435
(14,211)
5,275
2,259
9,931
7,227
2,704
-
10,812
7,279
3,533
-
23,822
-
25,235
-
Investimento
Imobilizado
Intangvel
PASSIVO
Passivo Circulante
Provises Tcnicas
Fornecedores
Patrimnio lquido
Capital social
Reserva de capital
776
23,046
703
24,532
84,875
23,668
8,750
1,443
2,249
23
3,887
1,857
848
1,151
137
3,322
81,699
19,934
7,236
1,420
1,308
30
3,905
1,778
1,112
1,569
137
1,440
27,891
26,368
763
25
471
263
27,606
26,915
18
471
202
33,316
143,992
560
(111,235)
-
34,159
143,992
560
(110,392)
-
Odonto
3T11
4T11
1T12
2T12
3T12
4T12
1T13
16.5
(0.4)
16.1
(9.7)
6.4
40.0%
(7.5)
(1.1)
-6.6%
(1.2)
(2.3)
-14.1%
(0.8)
(0.0)
0.0
(3.0)
-18.8%
18.5
(0.5)
17.9
(9.0)
8.9
49.8%
(1.9)
7.0
39.1%
0.2
7.2
40.0%
(0.6)
0.5
0.7
0.1
7.9
43.9%
18.3
(0.6)
17.6
(6.5)
11.2
63.3%
(8.7)
2.5
14.0%
(0.6)
1.8
10.5%
(0.6)
(0.2)
1.0
5.9%
18.3
(0.6)
17.7
(6.8)
10.9
61.7%
(10.6)
0.3
1.8%
(0.7)
(0.3)
-2.0%
(0.6)
0.5
(0.4)
-2.3%
19.3
(0.6)
18.7
(7.4)
11.3
60.3%
(10.4)
0.8
4.5%
(0.8)
0.1
0.5%
(0.6)
0.2
(0.3)
-1.6%
20.9
(0.8)
20.1
(7.1)
13.0
64.5%
(6.4)
6.6
32.8%
(1.1)
5.4
27.1%
(0.7)
0.4
0.2
24.3
29.7
147.5%
21.7
(0.9)
20.8
(5.8)
15.0
72.2%
(12.1)
3.0
14.3%
(0.8)
2.2
10.4%
(0.4)
(0.1)
0.8
2.4
11.7%
(1.1)
(1.2)
-7.2%
5.8
1.4
7.6%
1.8
10.5%
(0.3)
-2.0%
0.1
0.5%
3.9
1.6
7.9%
2.2
10.4%
3T11
8.6
292.0
10.2
7.9
194.1
12.3
16.5
486.1
11.1
3T11
(6.5)
4T11
9.4
385.7
9.2
9.1
176.3
16.4
18.5
562.0
11.8
4T11
(4.7)
1T12
11.9
325.1
11.2
6.3
158.3
12.6
18.3
483.3
11.7
1T12
(3.6)
2T12
13.0
338.5
13.0
5.3
157.6
11.3
18.3
496.1
12.5
2T12
(4.3)
3T12
13.9
349.3
13.4
5.5
172.4
11.1
19.3
521.7
12.7
3T12
(4.6)
4T12
15.5
392.9
14.0
6.0
173.8
11.6
21.6
566.7
13.2
4T12
(4.5)
1T13
15.8
353.5
14.1
5.9
171.7
11.4
21.7
525.3
13.2
1T13
(3.5)
(8.6)
2.1
75.4%
(3.2)
(2.0)
(1.2)
40.4%
(4.5)
(0.3)
50.3%
(4.3)
(5.3)
1.0
47.1%
(3.6)
30.2%
(2.9)
(2.9)
45.4%
(4.8)
0.4
33.5%
(2.4)
(2.6)
0.2
45.7%
(4.9)
0.3
33.2%
(2.8)
(2.9)
0.1
51.5%
(4.2)
(0.2)
28.6%
(2.7)
(2.6)
(0.1)
44.6%
(3.7)
0.2
22.4%
(2.3)
(2.5)
0.3
38.2%
(9.7)
58.6%
3T11
(7.5)
(0.7)
(2.3)
(2.1)
(0.7)
(0.2)
(1.3)
46.6%
3T11
(9.0)
48.7%
4T11
(1.9)
(3.2)
(3.0)
(3.0)
(0.5)
12.0
(4.3)
10.7%
4T11
(6.5)
35.4%
1T12
(8.7)
(0.5)
(2.6)
(3.8)
(0.6)
(0.3)
(0.9)
49.3%
1T12
(6.8)
37.0%
2T12
(10.6)
(0.2)
(2.8)
(6.0)
(0.4)
(0.3)
(0.7)
59.9%
2T12
(7.4)
38.4%
3T12
(10.4)
(0.0)
(2.5)
(6.3)
(0.7)
(0.3)
(0.6)
55.8%
3T12
(7.1)
33.1%
4T12
(6.4)
(0.1)
(2.3)
(7.0)
(0.0)
4.6
(1.5)
31.7%
4T12
(5.8)
26.7%
1T13
(12.1)
(0.2)
(2.1)
(7.2)
(0.2)
(0.3)
(2.1)
57.9%
1T13
78,761
46,437
2,400
30,240
21,321
(14,669)
5,317
1,827
67,004
40,590
120
30,744
13,414
(7,607)
3,208
710
67,941
41,723
(263)
29,791
15,571
(8,085)
3,506
1,203
70,925
45,395
99
30,393
16,963
(7,032)
3,675
1,297
53,281
28,350
141
9,854
20,133
(7,049)
3,838
1,433
81,320
33,623
214
10,829
24,319
(7,178)
4,406
1,033
87,693
39,721
231
13,275
28,048
(7,405)
4,496
1,075
7,589
7,351
238
-
2,150
142
2,009
-
2,454
142
2,312
-
2,247
143
2,104
-
2,106
188
1,919
-
25,253
24,298
489
467
-
25,903
25,107
522
274
-
24,735
-
24,263
-
23,763
-
23,283
-
22,825
-
22,444
-
22,070
-
632
24,103
130
551
23,582
130
484
23,149
424
22,858
361
22,464
250
221
21,973
250
183
21,636
78,761
19,187
7,165
1,026
843
26
4,307
1,373
1,041
1,569
137
1,701
67,004
14,471
7,593
585
1,715
28
76
814
1,110
848
1,703
67,941
13,190
6,603
520
612
23
76
1,271
900
501
2,684
70,925
15,964
6,200
835
1,324
17
76
674
1,072
5,766
53,281
19,672
5,779
547
2,499
10
76
609
1,122
9,030
81,320
19,985
5,705
6,357
342
2
577
985
157
5,860
87,693
24,132
5,541
6,205
681
504
1,453
9,747
28,437
27,544
(10)
10
471
422
13,523
10,453
721
3
259
2,088
14,707
11,316
1,067
259
2,064
15,330
11,458
1,569
259
2,044
15,225
11,362
1,569
259
2,035
10,295
6,785
1,441
2,069
10,090
6,636
1,441
2,013
39,009
143,992
560
(105,543)
-
40,044
143,992
560
(104,508)
-
39,631
38,011
1,620
-
18,384
17,070
1,314
-
51,040
17,070
3,000
30,970
-
53,472
17,070
3,000
27,718
5,683
-
31,136
143,992
560
(113,415)
-
Menu
Resultado
Consolidado
Assistncia
2T13
3T13
21.5
(0.8)
20.7
(6.8)
13.9
67.0%
(11.8)
2.0
9.8%
(0.8)
1.2
6.0%
(2.9)
(0.8)
2.0
(0.5)
-2.5%
22.5
(0.9)
21.6
(7.0)
14.6
67.6%
(11.7)
3.0
13.7%
(0.6)
2.3
10.7%
(1.6)
(0.4)
0.2
0.5
2.4%
1.2
6.0%
2.3
10.7%
2T13
15.4
346.4
14.6
6.1
202.6
10.9
21.5
548.9
13.4
2T13
(4.0)
3T13
15.7
341.9
15.2
6.8
182.5
11.9
22.5
524.4
14.0
3T13
(3.8)
Sade Solues
Seguradora Sade
Odonto
Home Care
Fluxo de Caixa
Consolidado
Evoluo de tens
e Vidas
(4.0)
(0.0)
25.9%
(2.9)
(2.8)
(0.0)
46.6%
(3.7)
(0.2)
24.5%
(3.2)
(3.0)
(0.1)
46.1%
(6.8)
31.8%
2T13
(11.8)
0.2
(2.1)
(7.1)
(0.1)
(0.3)
(2.3)
57.1%
2T13
(7.0)
31.1%
3T13
(11.7)
(0.4)
(2.1)
(6.9)
(0.2)
(0.1)
(1.9)
54.0%
3T13
86,516
23,683
205
10,248
14,791
(7,253)
4,647
1,046
88,997
27,429
597
14,744
14,018
(7,669)
4,760
980
28,611
27,077
561
973
-
28,996
27,282
654
1,060
-
34,222
-
32,571
-
250
145
33,826
250
109
32,212
86,516
23,010
5,837
487
1,696
483
1,523
12,984
88,997
24,337
6,180
480
2,527
494
1,775
12,880
10,122
6,677
1,441
2,003
9,249
5,831
1,441
1,977
53,384
17,070
8,000
23,158
5,156
-
55,411
17,070
9,500
23,158
5,683
-
Fluxo de Caixa Consolidado
Fluxo de Caixa Consolidado

CAIXA LQUIDO ATIVIDADES OPERACIONAIS

LUCRO ANTES DOS IMPOSTOS
variao de itens no caixa
Reduo (aumento) nos ativos operacionais
Aumento (reduo) nos passivos operacionais
CAIXA GERADO (APLICADO) PELAS ATIVIDADES OPERACIONAIS
FLUXO DE CAIXA DAS ATIVIDADES DE INVESTIMENTOS
Aquisio de imobilizado e intangvel
Aporte Capital em Coligada
Compra de aes em Tesouraria
Incorporao da controlada
Aquisio de controladas
CAIXA GERADO (APLICADO) EM ATIVIDADES DE INVESTIMENTOS
FLUXO DE CAIXA DAS ATIVIDADES DE FINANCIAMENTOS
Pagamentos de arrendamento mercantil
Emprstimos de curto prazo
Aumento de capital
Reduo de Capital
Dividendos
CAIXA GERADO (APLICADO) EM ATIVIDADES DE FINANCIAMENTOS
IMPOSTO DE RENDA E CONTRIBUIO SOCIAL
Outros
1T11
2T11
11,938
4,703
16,641
(16,568)
(1,477)
(1,404)
6,013
(4,250)
1,763
61,133
5,938
68,834
(1,390)
(1,390)
(2,559)
(49,452)
(52,011)
(260)
-
(85)
-
(260)
(85)
-5,311
-967
AUMENTO (REDUO) EM CAIXA E EQUIVALENTES DE CAIXA
(8,365)
15,771
CAIXA E EQUIVALENTES DE CAIXA

Saldo inicial
Saldo final
AUMENTO (REDUO) EM CAIXA E EQUIVALENTES DE CAIXA
169,242
160,877
(8,365)
160,877
176,648
15,771
3T11
4T11
1T12
10,622
10,677
21,299
(18,706)
3,708
6,301
5,721
11,787
17,508
(14,422)
13,098
16,184
9,220
13,361
22,581
(36,000)
588
(12,831)
12,210
2,655
14,865
(13,780)
10,479
11,564
8,517
10,667
19,184
(12,168)
(1,003)
6,013
15,096
(15,500)
(404)
(12,548)
12,744
(208)
9,417
(5,826)
3,591
13,409
12,157
29,157
(2,232)
(5,000)
(14,548)
(21,780)
(7,280)
(6,152)
(13,432)
(1,453)
(1,453)
(3,237)
(3,237)
(3,298)
(13)
(3,311)
(4,071)
3,652
(419)
(1,444)
(1,444)
(82)
7,041
-
(95)
(41)
396
-
(100)
(209)
596
-
(103)
163
907
-
(93)
20,142
(75,000)
(39)
8,100
-
6,959
(136)
(309)
60
(54,951)
(13)
(8,292)
(8,305)
-3,127
2,603
-1,357
-639
-530
2T12
3T12
4T12
1T13
8,061
-2
-
0
(1)
(11,647)
5,219
(15,950)
7,748
(52,779)
7,432
19,408
176,648
165,001
(11,647)
165,001
170,616
5,615
170,616
155,262
(15,354)
155,262
163,917
8,655
163,917
111,138
(52,779)
111,138
118,570
7,432
118,570
137,978
19,408
Menu
Resultado
Consolidado
Assistncia
2T13
Sade Solues
3T13
Seguradora Sade
4,374
(2,667)
1,707
19,746
(5,513)
15,940
13,675
(14,668)
(993)
(16,464)
25,602
8,145
Odonto
Home Care
Fluxo de Caixa
Consolidado
(14,664)
(1,000)
(15,664)
(3,680)
1,000
(950)
(3,630)
736
1,667
(24,848)
(22,445)
(463)
(463)
(22,169)
4,052
137,978
115,809
(22,169)
115,809
119,861
4,052
Evoluo de Itens
e Vidas
Data
Mar-11
Jun-11
Sep-11
Dec-11
Mar-12
Jun-12
Sep-12
Dec-12
Mar-13
Jun-13
Sep-13
Unidade Assistncia
(Quantidade de itens segurados - Milhes)
Veculos
Residncia
Pessoas
2.3
2.8
9.7
2.3
2.7
10.1
2.4
3.1
10.5
2.5
6.6
15.7
3.3
3.4
7.3
7.6
14.5
15.7
3.1
7.0
15.6
3.1
6.8
16.2
3.2
6.0
16.4
2.7
2.8
6.5
6.5
19.6
19.1
Total
14.8
15.1
16.0
24.8
25.0
26.6
25.7
26.1
25.5
28.8
28.3
Data
Mar-11
Jun-11
Sep-11
Dec-11
Mar-12
Jun-12
Sep-12
Dec-12
Mar-13
Jun-13
Sep-13
Unidade Servios de Sade

(Nmero de vidas - Milhes)
Total
1.6
1.6
1.7
1.6
1.6
1.6
1.5
1.0
1.0
1.0
1.0
Tempo Seguradora Sade

(Nmero de vidas)
Pr-pagamento
Ps-pagamento
72.2
8.6
73.5
9.3
79.3
8.3
82.8
8.0
87.0
7.9
94.0
7.6
97.6
7.5
95.8
7.2
89.0
0.0
79.9
74.7
-
Data
Mar-11
Jun-11
Sep-11
Dec-11
Mar-12
Jun-12
Sep-12
Dec-12
Mar-13
Jun-13
Sep-13
Sade - Nmero de Vidas

(em milhes)
1.6
1.6
1.7
1.6
1.6
1.6
Assistn cia - Qu an tidad e d e itens segu rad os

(milhes)
Mar-11
Jul-11
Nov-11
Mar-12
Jul-12
Nov-12
1.0
Mar-13
1.0
Jul-13
80.8
82.8
72.2
73.5
8.6
9.3
87.6
90.8
79.3
82.8
Fonte: Tempo Participaes S.A.
Resid ncia
Pesso as
T
otal
Data
Mar-11
Jun-11
Sep-11
Dec-11
Mar-12
Jun-12
Sep-12
Dec-12
Mar-13
Jun-13
Sep-13
Unidade Odonto
(Nmero de vidas)
Corporativos
Affinity
270.9
321.7
235.9
338.4
194.1
364.4
176.3
458.2
158.3
397.5
157.6
410.9
172.4
349.3
173.8
392.9
171.7
353.5
202.6
346.4
182.5
341.9
8.3
8.0
94.9
87.0
101.6
105.1
103.0
94.0
97.6
95.8
89.1
89.0
79.9
79.9
592.7
74.7
Mar-11
Jul-11
Nov-11
Mar-12
7.6
Jul-12
7.5
7.2
Nov-12
Ps-pagamento
0.0
Mar-13
Total
574.2
634.5
558.5
458.2
74.7
321.7
270.9
7.9
Total
592.7
574.2
558.5
634.5
555.8
568.5
521.7
566.7
525.3
548.9
524.4
Data
Mar-11
Jun-11
Sep-11
Dec-11
Mar-12
Jun-12
Sep-12
Dec-12
Mar-13
Jun-13
Sep-13
Unidade Home Care

(Pacientes)
Procedimentos
765
727
859
895
869
955
1,036
1,043
1,112
1,165
1,311
Internaes
379
373
373
409
392
429
425
485
431
431
428
Odonto - Nmero de Vidas

(em milhares)
1.0
Pr-pagamento
Veculos
80.8
82.8
87.6
90.8
94.9
101.6
105.1
103.0
89.1
79.9
74.7
Seguradora Sade - Nmero de Vidas

(em milhares)
1.5
1.0
Total
338.4
235.9
364.4
194.1
176.3
555.8
568.5
397.5
410.9
158.3
157.6
521.7
349.3
172.4
566.7
392.9
173.8
Total
1,144
1,100
1,232
1,304
1,261
1,384
1,461
1,528
1,543
1,596
1,739
Home Care - Pacientes

(em unidades)
525.3
353.5
171.7
548.9
524.4
1,144
1,100
1,304
1,261
859
895
869
1,232
346.4
341.9
765
727
202.6
182.5
379
373
373
409
392
Jun-13
Sep-13
Mar-11
Jun-11
Sep-11
Dec-11
Mar-12
1,384
1,461
1,528
1,543
1,596
1,112
1,165
1,739
1,311
1,036
1,043
429
425
485
431
431
428
Jun-12
Sep-12
Dec-12
Mar-13
Jun-13
Sep-13
955
Jul-13
Mar-11
Jun-11
Sep-11 Dec-11 Mar-12

Corporativos
Jun-12
Sep-12 Dec-12 Mar-13
Affinity
Total
Internaes
Procedimentos
Total

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Informaes Financeiras Tempo Assist - Tempo Participaes S.A.

Evoluo de tens e Vidas

Relaes com Investidores

Margem Lquida (%)

(-) Ajustes No Recorrentes no Ebitda

Despesas Gerais e Administrativas

Custo dos Servios Prestados

Margem Bruta (%)

(-) Ajustes No Recorrentes sobre o Ebitda

Receita Bruta, Itens e Ticket Mdio por Segmento

Nmeros de Itens (milhes)

Sinistralidade por Segmento

Custo Assistncia Residencial (R$ milhes)

Despesas Gerais e Administrativas

Receita Bruta, Beneficirios e Ticket Mdio por Segmento

Glosa (R$ milhes)

Despesas Gerais e Administrativas

Proviso para Devedores Duvidosos

Receita Bruta, Beneficirios e Ticket Mdio por Segmento

Receita Bruta Pr Pagamento (R$ milhes)

Sinistralidade por Segmento

Despesas Gerais e Administrativas

(-) Ajustes no recorrentes

Receita Bruta, Beneficirios e Ticket Mdio por Segmento

Receita Bruta Contratos Afinidades (R$ milhes)

Sinistralidade por Segmento

Custo (R$ milhes)

Custo Total (R$ milhes)

Despesas Gerais e Administrativas

Fluxo de Caixa Consolidado

Fluxo de Caixa Consolidado

CAIXA LQUIDO ATIVIDADES OPERACIONAIS

AUMENTO (REDUO) EM CAIXA E EQUIVALENTES DE CAIXA

CAIXA E EQUIVALENTES DE CAIXA

Unidade Servios de Sade

Tempo Seguradora Sade

Sade - Nmero de Vidas

Assistn cia - Qu an tidad e d e itens segu rad os

Fonte: Tempo Participaes S.A.

Unidade Home Care

Odonto - Nmero de Vidas

Seguradora Sade - Nmero de Vidas

Home Care - Pacientes

Sep-11 Dec-11 Mar-12

Sep-12 Dec-12 Mar-13

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