Scotiabank PerúA
Market Cap
S/27.4b
Last Updated
2021/02/27 23:33 UTC
Data Sources
Company Financials
Executive Summary
Scotiabank Perú S.A.A. provides banking and financial products and services to individuals and businesses in Peru. More Details
Risk Analysis
Snowflake Analysis
Adequate balance sheet with weak fundamentals.
Similar Companies
Share Price & News
How has Scotiabank PerúA's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SCOTIAC1 is not significantly more volatile than the rest of PE stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: SCOTIAC1's weekly volatility (2%) has been stable over the past year.
Market Performance
7 Day Return
6.1%
SCOTIAC1
-0.3%
PE Banks
0.04%
PE Market
1 Year Return
19.3%
SCOTIAC1
-8.2%
PE Banks
0.06%
PE Market
Return vs Industry: SCOTIAC1 exceeded the PE Banks industry which returned -7% over the past year.
Return vs Market: SCOTIAC1 exceeded the PE Market which returned 1.3% over the past year.
Shareholder returns
| SCOTIAC1 | Industry | Market | |
|---|---|---|---|
| 7 Day | 6.1% | -0.3% | 0.04% |
| 30 Day | 12.7% | 2.3% | 2.8% |
| 90 Day | 12.9% | 7.9% | 11.0% |
| 1 Year | 19.3%19.3% | -5.8%-8.2% | 3.2%0.06% |
| 3 Year | 42.5%35.3% | 7.0%-2.6% | 7.7%-2.4% |
| 5 Year | 197.3%171.3% | 111.4%78.8% | 77.9%52.0% |
Long-Term Price Volatility Vs. Market
How volatile is Scotiabank PerúA's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Scotiabank PerúA undervalued compared to its fair value and its price relative to the market?
104.42x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SCOTIAC1 (PEN35) is trading above our estimate of fair value (PEN9.92)
Significantly Below Fair Value: SCOTIAC1 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SCOTIAC1 is poor value based on its PE Ratio (104.4x) compared to the PE Banks industry average (29.6x).
PE vs Market: SCOTIAC1 is poor value based on its PE Ratio (104.4x) compared to the PE market (12.6x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SCOTIAC1's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SCOTIAC1 is overvalued based on its PB Ratio (2.8x) compared to the PE Banks industry average (1.6x).
Next Steps
Future Growth
How is Scotiabank PerúA forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
22.7%
Forecasted Banks 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 Scotiabank PerúA 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
- Examine Scotiabank PerúA's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Explore growth companies in the Banks industry.
Past Performance
How has Scotiabank PerúA performed over the past 5 years?
-1.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SCOTIAC1 has a large one-off loss of PEN204.2M impacting its December 31 2020 financial results.
Growing Profit Margin: SCOTIAC1's current net profit margins (11.7%) are lower than last year (36.5%).
Past Earnings Growth Analysis
Earnings Trend: SCOTIAC1's earnings have declined by 1.4% per year over the past 5 years.
Accelerating Growth: SCOTIAC1's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SCOTIAC1 had negative earnings growth (-82%) over the past year, making it difficult to compare to the Banks industry average (-61.7%).
Return on Equity
High ROE: SCOTIAC1's Return on Equity (2.5%) is considered low.
Next Steps
Financial Health
How is Scotiabank PerúA's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SCOTIAC1's Assets to Equity ratio (8x) is low.
Allowance for Bad Loans: SCOTIAC1 has a low allowance for bad loans (89%).
Low Risk Liabilities: 69% of SCOTIAC1's liabilities are made up of primarily low risk sources of funding.
Loan Level: SCOTIAC1 has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: SCOTIAC1's Loans to Deposits ratio (102%) is appropriate.
Level of Bad Loans: SCOTIAC1 has a high level of bad loans (11%).
Next Steps
Dividend
What is Scotiabank PerúA current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate SCOTIAC1's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate SCOTIAC1's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if SCOTIAC1's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if SCOTIAC1's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: SCOTIAC1 is not paying a notable dividend for the PE market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of SCOTIAC1's dividend in 3 years as they are not forecast to pay a notable one for the PE market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.7yrs
Average management tenure
CEO
Miguel Uccelli Labarthe (49 yo)
5.83yrs
Tenure
Mr. Miguel Uccelli Labarthe serves as President of the Board at ProFuturo AFP S.A. since March 26, 2019. He serves as Director at ProFuturo AFP S.A. since March 26, 2019. He has been Vice President of Boar...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO, Country Head & Vice President | 5.83yrs | no data | no data | |
| Chief Financial Officer of Peru | 2.08yrs | no data | no data | |
| Senior Vice-President for Operations and Administration | 5.42yrs | no data | no data | |
| Senior Vice President of Operations | 2.08yrs | no data | no data | |
| VP of Legal Counsel | no data | no data | no data | |
| Vice President of Human Resources | 2.92yrs | no data | no data | |
| Co Head of Capital Markets Latam Region | no data | no data | no data | |
| Senior Vice President Responsible for AML & Internal Control | 3.33yrs | no data | no data | |
| Senior Vice-President for Business Support | 5.08yrs | no data | no data | |
| Senior Vice-President for Retail Banking and Cmf Peru | 5.83yrs | no data | no data | |
| Senior Vice President of Wholesale Banking | 3.25yrs | no data | no data | |
| Senior Vice President of Retail Banking & CMF Peru | 4yrs | no data | no data |
3.7yrs
Average Tenure
Experienced Management: SCOTIAC1's management team is considered experienced (3.7 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO, Country Head & Vice President | 5.83yrs | no data | no data | |
| Independent President of the Board | 2.92yrs | no data | no data | |
| Independent Director | 3.92yrs | no data | no data | |
| Independent Director | 5.92yrs | no data | no data | |
| Independent Director | 3.92yrs | no data | no data | |
| Independent Director | 3.92yrs | no data | no data | |
| Independent Director | 1.83yrs | no data | no data | |
| Director | 1.92yrs | no data | no data |
3.9yrs
Average Tenure
54yo
Average Age
Experienced Board: SCOTIAC1's board of directors are considered experienced (3.9 years average tenure).
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 not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Scotiabank Perú S.A.A.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Scotiabank Perú S.A.A.
- Ticker: SCOTIAC1
- Exchange: BVL
- Founded: 1943
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: S/27.441b
- Shares outstanding: 784.04m
- Website: https://www.scotiabank.com.pe
Location
- Scotiabank Perú S.A.A.
- Avenida Dionisio Derteano 102
- San Isidro
- Lima
- Lima
- 27
- Peru
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| SCOTIAC1 | BVL (Bolsa de Valores de Lima) | Yes | Common Shares | PE | PEN | Nov 1993 |
Biography
Scotiabank Perú S.A.A. provides banking and financial products and services to individuals and businesses in Peru. The company offers savings, business, and current accounts; term deposits; and bank certif...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/02/27 23:33 |
| End of Day Share Price | 2021/02/26 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.