SNSE:PREVISION

Stock Analysis Report

NOT FOR DISTRIBUTION
Header cover image

Seguros Vida Security Previsión

Executive Summary

Seguros Vida Security Previsión S.A. provides various insurance products. More Details


Snowflake Analysis

Slightly overvalued unattractive dividend payer.

Share Price & News

How has Seguros Vida Security Previsión's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: PREVISION has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

PREVISION

1.3%

CL Insurance

3.4%

CL Market


1 Year Return

0%

PREVISION

-31.7%

CL Insurance

-23.7%

CL Market

Return vs Industry: PREVISION exceeded the CL Insurance industry which returned -32% over the past year.

Return vs Market: PREVISION exceeded the CL Market which returned -23.7% over the past year.


Shareholder returns

PREVISIONIndustryMarket
7 Day0%1.3%3.4%
30 Day0%2.5%3.1%
90 Day0%-4.9%-6.9%
1 Year4.8%0%-25.8%-31.7%-20.5%-23.7%
3 Year16.0%0%36.2%10.1%-26.5%-34.0%
5 Year36.5%-0.4%92.7%38.0%5.0%-18.4%

Price Volatility Vs. Market

How volatile is Seguros Vida Security Previsión's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Seguros Vida Security Previsión undervalued compared to its fair value and its price relative to the market?

13.31x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: PREVISION (CLP560) is trading above our estimate of fair value (CLP240.74)

Significantly Below Fair Value: PREVISION is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: PREVISION is poor value based on its PE Ratio (13.3x) compared to the XS Insurance industry average (7.8x).

PE vs Market: PREVISION is good value based on its PE Ratio (13.3x) compared to the CL market (13.8x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate PREVISION's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: PREVISION is good value based on its PB Ratio (1.3x) compared to the XS Insurance industry average (1.6x).


Next Steps

Future Growth

How is Seguros Vida Security Previsión forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.8%

Forecasted Insurance industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Seguros Vida Security Previsión has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Seguros Vida Security Previsión performed over the past 5 years?

-4.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: PREVISION has a large one-off gain of CLP4.4B impacting its December 31 2019 financial results.

Growing Profit Margin: PREVISION's current net profit margins (5%) are lower than last year (7.5%).


Past Earnings Growth Analysis

Earnings Trend: PREVISION's earnings have declined by 4.4% per year over the past 5 years.

Accelerating Growth: PREVISION's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: PREVISION had negative earnings growth (-33.2%) over the past year, making it difficult to compare to the Insurance industry average (12.8%).


Return on Equity

High ROE: PREVISION's Return on Equity (10.1%) is considered low.


Next Steps

Financial Health

How is Seguros Vida Security Previsión's financial position?


Financial Position Analysis

Short Term Liabilities: PREVISION's short term assets (CLP59.1B) do not cover its short term liabilities (CLP98.0B).

Long Term Liabilities: PREVISION's short term assets (CLP59.1B) do not cover its long term liabilities (CLP2,457.8B).


Debt to Equity History and Analysis

Debt Level: PREVISION's debt to equity ratio (46.2%) is considered high.

Reducing Debt: PREVISION's debt to equity ratio has increased from 0.07% to 46.2% over the past 5 years.

Debt Coverage: PREVISION's debt is not well covered by operating cash flow (2%).

Interest Coverage: Insufficient data to determine if PREVISION's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

What is Seguros Vida Security Previsión current dividend yield, its reliability and sustainability?

7.86%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: PREVISION's dividend (7.86%) is higher than the bottom 25% of dividend payers in the CL market (2.44%).

High Dividend: PREVISION's dividend (7.86%) is in the top 25% of dividend payers in the CL market (6.06%)


Stability and Growth of Payments

Stable Dividend: PREVISION's dividend payments have been volatile in the past 10 years.

Growing Dividend: PREVISION's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Alejandro Alzerreca Luna

no data

Tenure

Mr. Alejandro Alzérreca Luna serves as Chief Executive Officer of Seguros Vida Security Prevision S.A. Mr. Luna serves as General Manager of Seguros Vida Security Prevision S.A. Mr. Luna served as a Direct ...


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 16.2%.


Top Shareholders

Company Information

Seguros Vida Security Previsión S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Seguros Vida Security Previsión S.A.
  • Ticker: PREVISION
  • Exchange: SNSE
  • Founded: 1928
  • Industry: Life and Health Insurance
  • Sector: Insurance
  • Market Cap: CL$268.187b
  • Shares outstanding: 478.91m
  • Website: https://www.vidasecurity.cl

Number of Employees


Location

  • Seguros Vida Security Previsión S.A.
  • Apoquindo 3150
  • Piso 8
  • Santiago
  • Region Metropolitana (Santiago)
  • Chile

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PREVISIONSNSE (Santiago Stock Exchange)YesShare CapitalCLCLPJan 1993

Biography

Seguros Vida Security Previsión S.A. provides various insurance products. The company offers life, saving, health, group, family, and pension and private income insurance products. It also provides after-s ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/26 18:14
End of Day Share Price2020/10/23 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.