View Financial HealthPacífico Compañía de Seguros y Reaseguros 配当と自社株買い配当金 基準チェック /26Pacífico Compañía de Seguros y Reasegurosは配当を支払う会社で、現在の利回りは3.97%ですが、利益によって十分にカバーされています。次の支払い日は 27th May, 2026で、権利落ち日は12th May, 2026 。主要情報4.0%配当利回りn/aバイバック利回り総株主利回りn/a将来の配当利回りn/a配当成長n/a次回配当支払日27 May 26配当落ち日12 May 26一株当たり配当金n/a配当性向18%最近の配当と自社株買いの更新お知らせ • Apr 05Pacífico Compañía de Seguros y Reaseguros announces Annual dividend, payable on June 05, 2025Pacífico Compañía de Seguros y Reaseguros announced Annual dividend of PEN 2.5600 per share payable on June 05, 2025, ex-date on May 19, 2025 and record date on May 20, 2025.Upcoming Dividend • Apr 14Inaugural dividend of S/1.85 per shareEligible shareholders must have bought the stock before 20 April 2021. Payment date: 05 May 2021. This is the first dividend for Pacífico Compañía de Seguros y Reaseguros since going public. The average dividend yield among industry peers is 5.5%.すべての更新を表示Recent updatesお知らせ • Feb 26Pacífico Compañía de Seguros y Reaseguros, Annual General Meeting, Mar 24, 2026Pacífico Compañía de Seguros y Reaseguros, Annual General Meeting, Mar 24, 2026, at 12:30 SA Pacific Standard Time. Location: held remotely via zoom, PeruValuation Update With 7 Day Price Move • Dec 23Investor sentiment improves as stock rises 20%After last week's 20% share price gain to S/41.30, the stock trades at a trailing P/E ratio of 9.2x. Average trailing P/E is 8x in the Insurance industry in South America. Total returns to shareholders of 104% over the past three years.New Risk • Dec 17New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Peruvian stocks, typically moving 4.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.お知らせ • Apr 05Pacífico Compañía de Seguros y Reaseguros announces Annual dividend, payable on June 05, 2025Pacífico Compañía de Seguros y Reaseguros announced Annual dividend of PEN 2.5600 per share payable on June 05, 2025, ex-date on May 19, 2025 and record date on May 20, 2025.お知らせ • Mar 15Pacífico Compañía de Seguros y Reaseguros (BVL:PACIFIC1) completed the acquisition of remaining 50% stake in Private Medical Insurance Business in Peru from Banmédica S.A.Pacífico Compañía de Seguros y Reaseguros (BVL:PACIFIC1) agreed to acquire an remaining 50% stake in Private Medical Insurance Business in Peru from Banmédica S.A. on October 31, 2024. By virtue of this acquisition, Banmedica will transfer its 50% interest in the private medical insurance business in Peru to Pacifico Seguros. In addition, Banmedica will transfer its 50% interest in Pacífico S.A. Entidad Prestadora de Salud (“Pacifico EPS”), which runs the corporate health insurance for employees and medical services businesses in Peru, to Credicorp’s subsidiary Grupo Crédito S.A. Upon completion of the transaction, the partnership will be terminated and Credicorp, through its subsidiaries Grupo Crédito S.A. and Pacifico Seguros, will become the sole owner of both the private medical insurance business and Pacifico EPS. Following the transaction, customers, policyholders, agents, and other stakeholders will experience seamless continuity, with no disruptions. No changes in terms, service, or policy administration are expected. Closing is subject to regulatory approvals and other customary closing conditions. Pacífico Compañía de Seguros y Reaseguros (BVL:PACIFIC1) completed the acquisition of remaining 50% stake in Private Medical Insurance Business in Peru from Banmédica S.A. on March 13, 2025. The transaction has received all necessary regulatory approvals and met closing conditions.お知らせ • Feb 27Pacífico Compañía de Seguros y Reaseguros, Annual General Meeting, Mar 25, 2025Pacífico Compañía de Seguros y Reaseguros, Annual General Meeting, Mar 25, 2025, at 11:30 SA Pacific Standard Time. Location: held remotely, PeruReported Earnings • Oct 31Third quarter 2024 earnings released: EPS: S/1.29 (vs S/1.29 in 3Q 2023)Third quarter 2024 results: EPS: S/1.29 (down from S/1.29 in 3Q 2023). Revenue: S/1.25b (up 15% from 3Q 2023). Net income: S/187.6m (flat on 3Q 2023). Profit margin: 15% (down from 17% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Reported Earnings • Jul 18Second quarter 2024 earnings released: EPS: S/1.18 (vs S/1.58 in 2Q 2023)Second quarter 2024 results: EPS: S/1.18 (down from S/1.58 in 2Q 2023). Revenue: S/1.18b (up 2.2% from 2Q 2023). Net income: S/171.8m (down 20% from 2Q 2023). Profit margin: 14% (down from 19% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.New Risk • May 19New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 13% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Short dividend paying track record (1 year of continuous dividend payments). Shareholders have been diluted in the past year (13% increase in shares outstanding).Reported Earnings • Apr 01Full year 2023 earnings released: EPS: S/5.37 (vs S/4.06 in FY 2022)Full year 2023 results: EPS: S/5.37 (up from S/4.06 in FY 2022). Revenue: S/4.57b (up 17% from FY 2022). Net income: S/695.3m (up 32% from FY 2022). Profit margin: 15% (up from 13% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 79% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Reported Earnings • Feb 02Full year 2023 earnings released: EPS: S/5.43 (vs S/4.06 in FY 2022)Full year 2023 results: EPS: S/5.43 (up from S/4.06 in FY 2022). Revenue: S/4.51b (up 15% from FY 2022). Net income: S/695.3m (up 32% from FY 2022). Profit margin: 15% (up from 13% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 79% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Reported Earnings • Oct 28Third quarter 2023 earnings released: EPS: S/1.48 (vs S/1.34 in 3Q 2022)Third quarter 2023 results: EPS: S/1.48 (up from S/1.34 in 3Q 2022). Revenue: S/1.12b (up 13% from 3Q 2022). Net income: S/188.8m (up 10% from 3Q 2022). Profit margin: 17% (in line with 3Q 2022). Over the last 3 years on average, earnings per share has increased by 64% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Reported Earnings • Jul 20Second quarter 2023 earnings released: EPS: S/1.58 (vs S/0.87 in 2Q 2022)Second quarter 2023 results: EPS: S/1.58 (up from S/0.87 in 2Q 2022). Revenue: S/1.17b (up 25% from 2Q 2022). Net income: S/215.6m (up 118% from 2Q 2022). Profit margin: 19% (up from 11% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 40% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Reported Earnings • Jan 27Full year 2022 earnings released: EPS: S/4.43 (vs S/1.02 loss in FY 2021)Full year 2022 results: EPS: S/4.43 (up from S/1.02 loss in FY 2021). Revenue: S/3.86b (up 3.9% from FY 2021). Net income: S/526.2m (up S/656.6m from FY 2021). Profit margin: 14% (up from net loss in FY 2021). The move to profitability was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Director Victoria De La Torre was the last independent director to join the board, commencing their role in 2020. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 28Third quarter 2022 earnings released: EPS: S/1.44 (vs S/0.42 in 3Q 2021)Third quarter 2022 results: EPS: S/1.44 (up from S/0.42 in 3Q 2021). Revenue: S/994.4m (up 7.6% from 3Q 2021). Net income: S/171.1m (up 226% from 3Q 2021). Profit margin: 17% (up from 5.7% in 3Q 2021). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 39% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Reported Earnings • Jul 28Second quarter 2022 earnings released: EPS: S/0.84 (vs S/1.30 loss in 2Q 2021)Second quarter 2022 results: EPS: S/0.84 (up from S/1.30 loss in 2Q 2021). Revenue: S/1.06b (up 25% from 2Q 2021). Net income: S/98.9m (up S/279.2m from 2Q 2021). Profit margin: 9.3% (up from net loss in 2Q 2021). The move to profitability was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 59% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Director Victoria De La Torre was the last independent director to join the board, commencing their role in 2020. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Jan 22Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: S/1.02 loss per share (down from S/2.15 profit in FY 2020). Revenue: S/3.76b (up 13% from FY 2020). Net loss: S/130.3m (down 150% from profit in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 67 percentage points per year, which is a significant difference in performance.Reported Earnings • Jul 24Second quarter 2021 earnings released: S/1.49 loss per share (vs S/0.65 profit in 2Q 2020)The company reported a soft second quarter result with weaker earnings and weaker control over costs, although revenues improved. Second quarter 2021 results: Revenue: S/896.9m (up 9.8% from 2Q 2020). Net loss: S/180.3m (down 302% from profit in 2Q 2020). Over the last 3 years on average, earnings per share has fallen by 31% per year but the company’s share price has remained flat, which means it is well ahead of earnings.Upcoming Dividend • Apr 14Inaugural dividend of S/1.85 per shareEligible shareholders must have bought the stock before 20 April 2021. Payment date: 05 May 2021. This is the first dividend for Pacífico Compañía de Seguros y Reaseguros since going public. The average dividend yield among industry peers is 5.5%.Reported Earnings • Jan 28Full year 2020 earnings released: EPS S/2.79 (vs S/4.13 in FY 2019)The company reported a soft full year result with weaker earnings and profit margins, although revenues improved. Full year 2020 results: Revenue: S/3.41b (up 3.3% from FY 2019). Net income: S/313.0m (down 33% from FY 2019). Profit margin: 9.2% (down from 14% in FY 2019). The decrease in margin was driven by higher expenses.Valuation Update With 7 Day Price Move • Nov 13Market bids up stock over the past weekAfter last week's 18% share price gain to S/35.00, the stock is trading at a trailing P/E ratio of 10.2x, up from the previous P/E ratio of 8.6x. This compares to an average P/E of 7x in the Insurance industry in Peru. Total returns to shareholders over the past year are 18%.Is New 90 Day High Low • Nov 13New 90-day high: S/35.00The company is up 18% from its price of S/29.59 on 14 August 2020. The Peruvian market is down 1.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is flat over the same period.Reported Earnings • Nov 02Third quarter 2020 earnings released: EPS S/0.53The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: S/800.2m (down 1.7% from 3Q 2019). Net income: S/49.7m (down 57% from 3Q 2019). Profit margin: 6.2% (down from 14% in 3Q 2019). The decrease in margin was primarily driven by higher expenses.決済の安定と成長配当データの取得安定した配当: PACIFIC1は 10 年未満配当金を支払っており、この間、支払額は 変動性 が高かった。増加する配当: PACIFIC1の配当金は増加していますが、同社は3年間しか配当金を支払っていません。配当利回り対市場Pacífico Compañía de Seguros y Reaseguros 配当利回り対市場PACIFIC1 配当利回りは市場と比べてどうか？セグメント配当利回り会社 (PACIFIC1)4.0%市場下位25% (PE)4.8%市場トップ25% (PE)12.3%業界平均 (Insurance)3.8%アナリスト予想 (PACIFIC1) (最長3年)n/a注目すべき配当: PACIFIC1の配当金 ( 3.97% ) はPE市場の配当金支払者の下位 25% ( 4.76% ) と比べると目立ったものではありません。高配当: PACIFIC1の配当金 ( 3.97% ) はPE市場の配当金支払者の上位 25% ( 12.32% ) と比較すると低いです。株主への利益配当収益カバレッジ: PACIFIC1は低い 配当性向 ( 18.2% ) であるため、配当金の支払いは利益によって十分にカバーされます。株主配当金キャッシュフローカバレッジ: PACIFIC1は 現金配当性向 ( 12.6% ) が低いため、配当金の支払いはキャッシュフローによって完全にカバーされています。高配当企業の発掘7D1Y7D1Y7D1YPE 市場の強力な配当支払い企業。View Management企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/12 14:05終値2026/05/11 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Pacífico Compañía de Seguros y Reaseguros 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
お知らせ • Apr 05Pacífico Compañía de Seguros y Reaseguros announces Annual dividend, payable on June 05, 2025Pacífico Compañía de Seguros y Reaseguros announced Annual dividend of PEN 2.5600 per share payable on June 05, 2025, ex-date on May 19, 2025 and record date on May 20, 2025.
Upcoming Dividend • Apr 14Inaugural dividend of S/1.85 per shareEligible shareholders must have bought the stock before 20 April 2021. Payment date: 05 May 2021. This is the first dividend for Pacífico Compañía de Seguros y Reaseguros since going public. The average dividend yield among industry peers is 5.5%.
お知らせ • Feb 26Pacífico Compañía de Seguros y Reaseguros, Annual General Meeting, Mar 24, 2026Pacífico Compañía de Seguros y Reaseguros, Annual General Meeting, Mar 24, 2026, at 12:30 SA Pacific Standard Time. Location: held remotely via zoom, Peru
Valuation Update With 7 Day Price Move • Dec 23Investor sentiment improves as stock rises 20%After last week's 20% share price gain to S/41.30, the stock trades at a trailing P/E ratio of 9.2x. Average trailing P/E is 8x in the Insurance industry in South America. Total returns to shareholders of 104% over the past three years.
New Risk • Dec 17New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Peruvian stocks, typically moving 4.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
お知らせ • Apr 05Pacífico Compañía de Seguros y Reaseguros announces Annual dividend, payable on June 05, 2025Pacífico Compañía de Seguros y Reaseguros announced Annual dividend of PEN 2.5600 per share payable on June 05, 2025, ex-date on May 19, 2025 and record date on May 20, 2025.
お知らせ • Mar 15Pacífico Compañía de Seguros y Reaseguros (BVL:PACIFIC1) completed the acquisition of remaining 50% stake in Private Medical Insurance Business in Peru from Banmédica S.A.Pacífico Compañía de Seguros y Reaseguros (BVL:PACIFIC1) agreed to acquire an remaining 50% stake in Private Medical Insurance Business in Peru from Banmédica S.A. on October 31, 2024. By virtue of this acquisition, Banmedica will transfer its 50% interest in the private medical insurance business in Peru to Pacifico Seguros. In addition, Banmedica will transfer its 50% interest in Pacífico S.A. Entidad Prestadora de Salud (“Pacifico EPS”), which runs the corporate health insurance for employees and medical services businesses in Peru, to Credicorp’s subsidiary Grupo Crédito S.A. Upon completion of the transaction, the partnership will be terminated and Credicorp, through its subsidiaries Grupo Crédito S.A. and Pacifico Seguros, will become the sole owner of both the private medical insurance business and Pacifico EPS. Following the transaction, customers, policyholders, agents, and other stakeholders will experience seamless continuity, with no disruptions. No changes in terms, service, or policy administration are expected. Closing is subject to regulatory approvals and other customary closing conditions. Pacífico Compañía de Seguros y Reaseguros (BVL:PACIFIC1) completed the acquisition of remaining 50% stake in Private Medical Insurance Business in Peru from Banmédica S.A. on March 13, 2025. The transaction has received all necessary regulatory approvals and met closing conditions.
お知らせ • Feb 27Pacífico Compañía de Seguros y Reaseguros, Annual General Meeting, Mar 25, 2025Pacífico Compañía de Seguros y Reaseguros, Annual General Meeting, Mar 25, 2025, at 11:30 SA Pacific Standard Time. Location: held remotely, Peru
Reported Earnings • Oct 31Third quarter 2024 earnings released: EPS: S/1.29 (vs S/1.29 in 3Q 2023)Third quarter 2024 results: EPS: S/1.29 (down from S/1.29 in 3Q 2023). Revenue: S/1.25b (up 15% from 3Q 2023). Net income: S/187.6m (flat on 3Q 2023). Profit margin: 15% (down from 17% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Reported Earnings • Jul 18Second quarter 2024 earnings released: EPS: S/1.18 (vs S/1.58 in 2Q 2023)Second quarter 2024 results: EPS: S/1.18 (down from S/1.58 in 2Q 2023). Revenue: S/1.18b (up 2.2% from 2Q 2023). Net income: S/171.8m (down 20% from 2Q 2023). Profit margin: 14% (down from 19% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
New Risk • May 19New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 13% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Short dividend paying track record (1 year of continuous dividend payments). Shareholders have been diluted in the past year (13% increase in shares outstanding).
Reported Earnings • Apr 01Full year 2023 earnings released: EPS: S/5.37 (vs S/4.06 in FY 2022)Full year 2023 results: EPS: S/5.37 (up from S/4.06 in FY 2022). Revenue: S/4.57b (up 17% from FY 2022). Net income: S/695.3m (up 32% from FY 2022). Profit margin: 15% (up from 13% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 79% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Reported Earnings • Feb 02Full year 2023 earnings released: EPS: S/5.43 (vs S/4.06 in FY 2022)Full year 2023 results: EPS: S/5.43 (up from S/4.06 in FY 2022). Revenue: S/4.51b (up 15% from FY 2022). Net income: S/695.3m (up 32% from FY 2022). Profit margin: 15% (up from 13% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 79% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Reported Earnings • Oct 28Third quarter 2023 earnings released: EPS: S/1.48 (vs S/1.34 in 3Q 2022)Third quarter 2023 results: EPS: S/1.48 (up from S/1.34 in 3Q 2022). Revenue: S/1.12b (up 13% from 3Q 2022). Net income: S/188.8m (up 10% from 3Q 2022). Profit margin: 17% (in line with 3Q 2022). Over the last 3 years on average, earnings per share has increased by 64% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Jul 20Second quarter 2023 earnings released: EPS: S/1.58 (vs S/0.87 in 2Q 2022)Second quarter 2023 results: EPS: S/1.58 (up from S/0.87 in 2Q 2022). Revenue: S/1.17b (up 25% from 2Q 2022). Net income: S/215.6m (up 118% from 2Q 2022). Profit margin: 19% (up from 11% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 40% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Jan 27Full year 2022 earnings released: EPS: S/4.43 (vs S/1.02 loss in FY 2021)Full year 2022 results: EPS: S/4.43 (up from S/1.02 loss in FY 2021). Revenue: S/3.86b (up 3.9% from FY 2021). Net income: S/526.2m (up S/656.6m from FY 2021). Profit margin: 14% (up from net loss in FY 2021). The move to profitability was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Director Victoria De La Torre was the last independent director to join the board, commencing their role in 2020. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 28Third quarter 2022 earnings released: EPS: S/1.44 (vs S/0.42 in 3Q 2021)Third quarter 2022 results: EPS: S/1.44 (up from S/0.42 in 3Q 2021). Revenue: S/994.4m (up 7.6% from 3Q 2021). Net income: S/171.1m (up 226% from 3Q 2021). Profit margin: 17% (up from 5.7% in 3Q 2021). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 39% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Reported Earnings • Jul 28Second quarter 2022 earnings released: EPS: S/0.84 (vs S/1.30 loss in 2Q 2021)Second quarter 2022 results: EPS: S/0.84 (up from S/1.30 loss in 2Q 2021). Revenue: S/1.06b (up 25% from 2Q 2021). Net income: S/98.9m (up S/279.2m from 2Q 2021). Profit margin: 9.3% (up from net loss in 2Q 2021). The move to profitability was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 59% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Director Victoria De La Torre was the last independent director to join the board, commencing their role in 2020. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Jan 22Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: S/1.02 loss per share (down from S/2.15 profit in FY 2020). Revenue: S/3.76b (up 13% from FY 2020). Net loss: S/130.3m (down 150% from profit in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 67 percentage points per year, which is a significant difference in performance.
Reported Earnings • Jul 24Second quarter 2021 earnings released: S/1.49 loss per share (vs S/0.65 profit in 2Q 2020)The company reported a soft second quarter result with weaker earnings and weaker control over costs, although revenues improved. Second quarter 2021 results: Revenue: S/896.9m (up 9.8% from 2Q 2020). Net loss: S/180.3m (down 302% from profit in 2Q 2020). Over the last 3 years on average, earnings per share has fallen by 31% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
Upcoming Dividend • Apr 14Inaugural dividend of S/1.85 per shareEligible shareholders must have bought the stock before 20 April 2021. Payment date: 05 May 2021. This is the first dividend for Pacífico Compañía de Seguros y Reaseguros since going public. The average dividend yield among industry peers is 5.5%.
Reported Earnings • Jan 28Full year 2020 earnings released: EPS S/2.79 (vs S/4.13 in FY 2019)The company reported a soft full year result with weaker earnings and profit margins, although revenues improved. Full year 2020 results: Revenue: S/3.41b (up 3.3% from FY 2019). Net income: S/313.0m (down 33% from FY 2019). Profit margin: 9.2% (down from 14% in FY 2019). The decrease in margin was driven by higher expenses.
Valuation Update With 7 Day Price Move • Nov 13Market bids up stock over the past weekAfter last week's 18% share price gain to S/35.00, the stock is trading at a trailing P/E ratio of 10.2x, up from the previous P/E ratio of 8.6x. This compares to an average P/E of 7x in the Insurance industry in Peru. Total returns to shareholders over the past year are 18%.
Is New 90 Day High Low • Nov 13New 90-day high: S/35.00The company is up 18% from its price of S/29.59 on 14 August 2020. The Peruvian market is down 1.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is flat over the same period.
Reported Earnings • Nov 02Third quarter 2020 earnings released: EPS S/0.53The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: S/800.2m (down 1.7% from 3Q 2019). Net income: S/49.7m (down 57% from 3Q 2019). Profit margin: 6.2% (down from 14% in 3Q 2019). The decrease in margin was primarily driven by higher expenses.