Capitalization grows 7,7% and moves R$ 31,32 billion through November.

Between January and November 2025, the capitalization market registered a turnover of R$ 31,32 billion, a 7,7% increase compared to the same period in 2024. The data, released by the Superintendence of Private Insurance (Susep) and analyzed by the National Federation of Capitalization (FenaCap), demonstrate the solidity of the sector, which offers differentiated solutions for individuals and companies. These securities are a regulated and supervised financial planning instrument that incorporates the playful aspect of raffles.

Over 11 months, redemptions totaled R$ 23,65 billion, while cash prizes reached R$ 1,82 billion, totaling R$ 25,47 billion paid to society. The sector's technical reserves reached R$ 44,31 billion, guaranteeing the security of operations and offering reliable support to clients and companies that use the Securities for different financial purposes.

“More than just awarding prizes through raffles, the results up to November show that Capitalization is a set of financial solutions that contributes to the organization of resources, the stimulation of the economy, and the support of social causes,” assesses Denis Morais, president of FenaCap.

Considered an important tool for financial discipline, the Traditional savings plan totaled R$ 22,43 billion in revenue, a growth of 5,5%. This option is used by those who need an incentive to save money safely, and also have the chance to win prizes.

The Prize-Linked Philanthropy program, which has great appeal due to its social focus, raised R$ 3,75 billion, a 4,1% increase, with R$ 1,86 billion distributed to philanthropic entities. The Guarantee Instrument option, a practical and versatile solution, closed with revenues of R$ 3,69 billion, a 22,2% increase compared to the same period in 2024. The Incentive program raised R$ 1,13 billion, a 31,3% increase. Created for an audience seeking practicality, affordable value, and many opportunities to win prizes, the Popular program accumulated R$ 320 million in revenue.

With nearly a century of operation in Brazil, the sector is advancing with innovations and more flexible and digital securities, without compromising security and regulatory oversight. It is an option that promotes financial education and supports the social and economic development of the country. ( FenaCap )