In the penultimate month of the year, the consortium system repeated the performance shown since January by surpassing previous marks and reaching 467 billion reais in completed transactions, 31.9% more than the previous 354.13 billion reais.
Photo: ABAC / DINO
The realized volume was the result of selling 4.78 million shares from January to November. With 14.6% more than the 4.17 million totaled in the same period of 2024, memberships once again broke the historical record of the modality, according to data collected by the economic advisor of the Brazilian Association of Consortia Administrators (ABAC), in collaboration with its associates.
The sharp increase in memberships led to an increase in the total number of active participants, which in November reached 12.74 million, 13.5% more than the 11.22 million in the same month of 2024. Once again, another historical record was surpassed.
In the monthly tracking of active consortium members, as of January 2022, there were 8.21 million; there was a consecutive increase up to 12.74 million until November 2025, excluding April 2023. The growth during the forty-seven months was 55.2%.
The total number of allocations reached 1.63 million, from January to November, an increase of 4.5% compared to the 1.56 million in the same months of 2024. The credits granted, relating to the members of the consortium considered, accumulated R$112.55 billion, 23.6% more than last year’s R$91.03 billion.
The average ticket for November was R$101.70 thousand, or 6.4% more than the R$95.58 thousand recorded in the same month of 2024. This is a weighted average resulting from the values obtained in the sectors of light vehicles, motorcycles, heavy vehicles, real estate, services and electronics and other durable movable goods.
Indicator Details
Quota sales
The 4.78 million quotas sold and accumulated over the eleven months are divided into: 1.78 million in light vehicles; 1.32 million on motorcycles; 1.26 million in real estate; 183.18 thousand in heavy vehicles, 171.58 thousand in electronics and other durable movable goods; and 56.92 thousand in services.
From January to November, of the six sectors in which the consortium is present, five recorded an increase in quota sales: electronics and other durable movable goods, with 48.9%; real estate, with 36.2%; services, with 17.6%; light vehicles, with 9.0%, and motorcycles, with 8.0%.
There is only one decline: that of heavy goods vehicles, with (-17.3%), whose recovery is taking place gradually in search of normality. The decline recorded follows declines observed mainly in sales of trucks and road equipment on the domestic market.
Contemplation
Also during the months of January to November, the 1.63 million contemplations were distributed as follows: 696.91 thousand light vehicles; 627.62 thousand motorcycles; 130.57 thousand properties; 87.78 thousand heavy vehicles; 52.48 thousand electronic devices and other durable movable goods; and 33.11 thousand services.
Active participants
Among the 12.74 million active participants, each sector presented the following volumes: 5.30 million in light vehicles; 3.25 million on motorcycles; 2.83 million in real estate; 924.99 thousand in heavy vehicles; 309.53 thousand in electronics and other durable movable goods; and 125.20 thousand in services.
Average ticket from 2021 to 2025
Analyzing the results of average tickets for the months of November over the last five years, a nominal increase of 50.9% was noted. Discounting the inflation (IPCA) of 22.6% observed during the period, compared to the difference of R$67.41 thousand, in November 2021, to R$101.70 thousand, in the same month of 2025, we obtain a real appreciation of 23.1%.
“Eleven months after the start of the year, the consortium system confirmed the growth forecasts projected for 2024 in almost all sectors and in general. Demonstrating confidence, the Brazilian consumer adhered to the mechanism, supported mainly by knowledge of the essence of financial education. The result of this constant maturity is supported by good planning of personal finances, including the consortium as an option for purchasing goods or services”, highlights Paulo Roberto Rossi, Executive President of ABAC.
The production chain and the potential participation of consortia
In the early 1960s, when the automobile industry was taking its first steps in Brazil, there were no lines of credit to finance sales of automobiles manufactured in the country. With creativity, the absence allowed the formation of the first consortium groups as a self-financing solution.
Feasibility, truly Brazilian, allowed the consumer to achieve their car purchase or exchange goals. In the eleven months of 2025, the potential presence in the automotive sector was one in three light vehicles sold in the country.
In the two-wheeler segment, during the same months, thoughts pointed towards the potential acquisition of one motorcycle for every three sold in the domestic market.
In the heavy goods vehicle sector, the situation was different. With the division, since the recent sectoral reality which indicated approximately 51% for agricultural machinery, 41% for trucks and 8% for other equipment intended for the road transport of goods, road and agricultural tools, buses, aircraft and ships, the consortium presented one in four truck sales negotiated for the expansion or renewal of fleets for the transport sector, many of which are used in the agribusiness.
From January to November, the consortium made resources of around BRL 112.55 billion available to various economic sectors, through reflections. The system has achieved a potential presence of 30.5% in the automobile, commercial vehicle and truck sector. In the case of motorcycles, the possible participation was 31.3%, while in the case of heavy goods vehicles, the ratio for trucks was 26.2% over the month.
In the real estate sector, during the first ten months of the year, reflections represented a potential share of 24.2% in the total of 487.19 thousand properties financed, including resources from the Brazilian Savings and Credit System (SBPE) and consortium books, potentially one property for every four sold.
Website: http://www.abac.org.br
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