Havan

What Havan does

Havan (legal entity HAVAN S.A., CNPJ 79.379.491.0008-50) is a Brazilian large-format department store retailer founded in 1986 and headquartered in Brusque, Santa Catarina. The company operates more than 150 physical "megaloja" stores distributed across 24+ Brazilian states, anchored in Santa Catarina (51 stores) with additional density in Paraná and Rio Grande do Sul, and complements its physical footprint with an e-commerce website, the Aplicativo Havan mobile app, and the Portal do Cliente Havan unified customer portal. The retail assortment exceeds 350,000 products across home furnishings, electronics, appliances, and general merchandise.

The company bundles its retail business with a proprietary financial services ecosystem. Cartão Havan is a no-annual-fee store credit card offering up to 40-day payment terms and installment financing; Clube Havan is a gamified free loyalty program with progressive Bronze/Silver/Gold/Diamond medal tiers and prize drawings; and four Serviços Premiados products (Caminhão Premiado, Proteção Premiada, Garantia Premiada, Multi Seguro) combine insurance/extended-warranty coverage with prize-linked sweepstakes mechanics up to R$100,000. The platform also supports gift registry (Lista de Presentes), in-store pickup (Retira Fácil), and expedited delivery (Super Entrega).

Revenue mechanics span one-time retail merchandise sales, transaction and installment fees on Cartão Havan, and recurring revenue from the insurance/protection portfolio. Go-to-market is direct-to-consumer across physical and digital channels, supported by a centralized customer service operation (0800 500 5115). The company employs roughly 18,381 people and operates with supporting partnerships across credit bureaus, shipping carriers, recruitment suppliers, and digital marketing technology providers. In-store customer identification uses facial recognition and Wi-Fi MAC address tracking to build consumer profiles, signaling early data-asset investment though AI sophistication is limited.

Name

Havan

Legal name

HAVAN S.A.

Website

https://portalcliente.havan.com.br

Company type

Private

Operating status

Operating

Headcount range

10,001+ employees

Short description

Havan is a Brazilian large-format department store retailer operating 150+ megalojas across 24+ states, serving individual consumers with home goods, electronics, and appliances, and bundling retail with a proprietary credit card, loyalty program, and insurance services.

Ownership category

akta.pro rank

Product category

Department Store Retail

NAICS

Warehouse Clubs, Supercenters, and Other General Merchandise Retailers (45521), Department Stores (45511), General Merchandise Retailers (455)

SIC

Retail-Misc General Merchandise Stores (5399), Retail-Department Stores (5311)

akta.pro primary industry

Luxury Off-Price / Outlet Department Stores (CRAGADAI)

Keywords

• Department store retail
• Home goods retail
• Consumer electronics
• Private label credit card
• Loyalty programs

Headquarters

HQ city

Brusque

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Supply Chain, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Retail Merchandise Sales: Revenue from selling consumer goods across categories including home furnishings, electronics, appliances, and general merchandise through physical megaloja stores and e-commerce channels. The company offers over 350,000 products across hundreds of categories.
2. Havan Card Credit Card: Proprietary credit card generating revenue through transaction fees, interest on installments, and annual/service fees. The card is free with no annual fee and offers up to 40 days payment terms.
3. Insurance and Protection Services: Supplementary insurance and protection products including Proteção Premiada (credit protection), Garantia Premiada (extended warranty), Multi Seguro (product insurance), and Caminhão Premiado (lottery/sweepstakes with purchases). These services provide protection against unforeseen events and accidents.
4. Gift Registry Services: Lista de Presentes (gift registry) service allowing customers to create wedding and event gift lists, generating potential referral and transaction revenue

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Havan operates a network of large-format "megaloja" department stores in Brazil selling more than 350,000 products across home furnishings, consumer electronics, appliances, and general merchandise. The company supplements its retail operations with the Cartão Havan (a free, proprietary store-branded credit card with installment options), the Clube Havan loyalty program, and a portfolio of prize-linked insurance and protection services (Caminhão Premiado, Proteção Premiada, Garantia Premiada, Multi Seguro). Customers can purchase through 150+ physical stores, the e-commerce website, mobile application, and customer portal, with delivery and in-store pickup options.

Product overview

Havan operates a diversified retail ecosystem centered on its flagship department store format. The core customer-facing digital offering consists of the Portal do Cliente (Customer Portal) and Aplicativo Havan (Mobile App), which serve as unified platforms for managing the Cartão Havan store credit card, tracking purchases, accessing loyalty rewards, and utilizing insurance services. The product portfolio includes: Cartão Havan (exclusive store-branded credit card with installment options), Clube Havan (free gamified loyalty program with medal-based achievements), Retira Fácil (buy-online-pickup-in-store service), and a suite of insurance/protection products (Caminhão Premiado, Proteção Premiada, Garantia Premiada, Multi Seguro) that combine coverage with prize-linked lottery entries. The company also offers gift registry and job portal services, all accessible through its customer portal and mobile application.

Differentiator

Problem solved

Functional benefit

Brands

• Clube Havan: Loyalty club program for Havan customers featuring medal-based challenges (Bronze, Silver, Gold, Diamond) and prize drawings. Participation is free.
• Serviços Premiados Havan
• Cartão Havan

Products and services

• Cartão Havan Store-branded credit card exclusive to Havan, free of charge with no annual fee, offering up to 40 days to pay and installment options for purchases. Used by Brazilian consumers for in-store and online shopping with bill management, limit tracking, and invoice access.
• Portal do Cliente Havan Unified customer portal providing access to credit card management, purchase tracking, invoices, order history, debt negotiation, and account services through a single digital interface. Targets Brazilian retail customers of Havan.
• Clube Havan Free loyalty program with gamified challenges and achievement medals at Bronze, Silver, Gold, and Diamond levels that reward customer engagement and purchases with prizes and sweepstakes entries. Targets Brazilian consumers who shop at Havan.
• Aplicativo Havan Mobile application for iOS and Android enabling customers to manage the Cartão Havan, track orders, access invoices, make payments, locate physical stores, and participate in Clube Havan.
• Caminhão Premiado

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered supporting.

• Credit Bureaus (Bureau de crédito)supportingOthersCredit analysis bureaus that assist Havan in evaluating customer creditworthiness for the Havan Card credit services and financing options.
• Transportadoras (Shipping Carriers)supportingOthersShipping and logistics partners that handle product deliveries and returns for online orders and store deliveries across Brazil.
• Digital Marketing and Technology SupplierssupportingTechnology or IntegrationTechnology partners providing digital marketing tools, satisfaction surveys, and technological solutions that support the Havan customer experience across platforms.
• Recruitment and Staffing SupplierssupportingOthersThird-party partners providing recruitment and candidate selection services for hiring employees to work in Havan stores and operations.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• IKEA: IKEA operates large-format home-furnishings stores globally with a focus on affordable, self-service shopping across broad home categories. Comparable to Havan in large-format 'everything for the home' positioning and value-led merchandising.
• Walmart Brasil (Grupo BIG / Carrefour): Walmart Brasil's operations (now largely part of Carrefour Brasil under the Grupo BIG banner) operate hypermarkets and wholesale clubs across Brazil. Comparable to Havan as a large-format, broad-line general-merchandise retailer with national footprint and store-format variety.
• Costco Wholesale: Costco operates a global chain of large-format membership warehouse clubs offering broad general merchandise at value pricing. Comparable to Havan in large-format retail format, breadth of assortment (350,000+ SKUs), and value/affordability positioning.
• Best Buy: Best Buy is a US-based specialty retailer of consumer electronics and appliances with omnichannel fulfillment including in-store pickup. Comparable to Havan in the electronics and appliance categories that drive significant share of Havan's 350,000+ product assortment.

Direct peers

• Lojas Americanas (Americanas SA): Lojas Americanas operates a national network of small-format Americanas stores plus the Americanas.com marketplace. It is comparable to Havan as a broad-line Brazilian general-merchandise retailer with both physical and digital channels and consumer credit.
• Magazine Luiza (Magalu): Magazine Luiza is Brazil's largest mass-market department-store-and-electronics omnichannel retailer, with hundreds of physical stores, a large marketplace, and proprietary consumer credit. Direct overlap with Havan in home goods, electronics, and store-branded credit cards makes it the most relevant comparator.
• Lojas Renner: Renner is Brazil's largest apparel-focused department store, operating 600+ physical stores nationwide with a strong omnichannel and credit-card offering. Comparable to Havan in national retail footprint, omnichannel strategy, and proprietary consumer credit.
• Casas Bahia (Via): Casas Bahia, the Via Varejo banner, is a long-standing Brazilian mass-market department store specializing in home goods, furniture, and electronics with strong installment-credit offerings. Comparable to Havan in store footprint, credit-driven retail model, and B2C home-goods focus.

Emerging players

• Mercado Livre (MercadoLibre Brazil): Mercado Livre is Latin America's largest e-commerce marketplace and a direct competitor in online general merchandise, electronics, and home goods in Brazil. Comparable as a destination for Brazilian consumers shopping the same categories Havan sells, with overlapping but digital-first model.
• Leroy Merlin Brazil: Leroy Merlin operates large-format home-improvement and home-furnishings stores across Brazil. Comparable to Havan in large-format 'mega' store strategy, broad assortment across home categories, and strong geographic reach in Brazil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/havanoficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Havan