View Financial HealthPacífico Compañía de Seguros y Reaseguros 배당 및 자사주 매입배당 기준 점검 2/6Pacífico Compañía de Seguros y Reaseguros 수익으로 충분히 충당되는 현재 수익률 3.97% 보유한 배당금 지급 회사입니다. 다음 지급일은 27th May, 2026 이며 배당락일은 다음과 같습니다. 12th May, 2026.핵심 정보4.0%배당 수익률n/a자사주 매입 수익률총 주주 수익률n/a미래 배당 수익률n/a배당 성장률n/a다음 배당 지급일27 May 26배당락일12 May 26주당 배당금n/a배당 성향18%최근 배당 및 자사주 매입 업데이트공지 • 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%.모든 업데이트 보기Recent updates공지 • 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.공지 • 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.공지 • 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.공지 • 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.지급의 안정성과 성장배당 데이터 가져오는 중안정적인 배당: PACIFIC1 10년 미만 동안 배당금을 지급해 왔으며 이 기간 동안 지급액은 휘발성이었습니다.배당금 증가: PACIFIC1 의 배당금 지급이 증가했지만 회사는 3 년 동안만 배당금을 지급했습니다.배당 수익률 vs 시장Pacífico Compañía de Seguros y Reaseguros 배당 수익률 vs 시장PACIFIC1의 배당 수익률은 시장과 어떻게 비교되나요?구분배당 수익률회사 (PACIFIC1)4.0%시장 하위 25% (PE)4.8%시장 상위 25% (PE)12.3%업계 평균 (Insurance)3.8%분석가 예측 (PACIFIC1) (최대 3년)n/a주목할만한 배당금: PACIFIC1 의 배당금( 3.97% )은 PE 시장에서 배당금 지급자의 하위 25%( 4.76% )와 비교해 주목할 만하지 않습니다.고배당: PACIFIC1 의 배당금( 3.97% )은 PE 시장에서 배당금 지급자의 상위 25%( 12.32% )와 비교해 낮습니다.주주 대상 이익 배당수익 보장: 지급 비율 ( 18.2% )이 낮기 때문에 PACIFIC1 의 배당금 지급은 수익으로 충분히 충당됩니다.주주 현금 배당현금 흐름 범위: 현금 지급 비율 ( 12.6% )이 낮기 때문에 PACIFIC1 의 배당금 지급은 현금 흐름으로 완전히 충당됩니다.높은 배당을 제공하는 우량 기업 찾기7D1Y7D1Y7D1YPE 시장에서 배당이 강한 기업.View Management기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/11 21:07종가2026/05/08 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Pacífico Compañía de Seguros y Reaseguros는 0명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
공지 • 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%.
공지 • 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.
공지 • 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.
공지 • 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.
공지 • 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.