SCOTIAC1 Stock Overview
Scotiabank Perú S.A.A. provides various banking products and financial services to individuals and businesses in Peru.
Scotiabank PerúA Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||S/19.00|
|52 Week High||S/27.10|
|52 Week Low||S/19.00|
|1 Month Change||-13.64%|
|3 Month Change||-29.63%|
|1 Year Change||-20.93%|
|3 Year Change||-36.91%|
|5 Year Change||-12.05%|
|Change since IPO||-76.40%|
Recent News & Updates
|SCOTIAC1||PE Banks||PE Market|
Return vs Industry: SCOTIAC1 underperformed the PE Banks industry which returned -4.2% over the past year.
Return vs Market: SCOTIAC1 underperformed the PE Market which returned 5% over the past year.
|SCOTIAC1 Average Weekly Movement||4.9%|
|Banks Industry Average Movement||5.1%|
|Market Average Movement||5.0%|
|10% most volatile stocks in PE Market||8.8%|
|10% least volatile stocks in PE Market||1.4%|
Stable Share Price: SCOTIAC1 is not significantly more volatile than the rest of PE stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: SCOTIAC1's weekly volatility (5%) has been stable over the past year.
About the Company
|1943||n/a||Francisco Javier Sardon de Taboada||https://www.scotiabank.com.pe|
Scotiabank Perú S.A.A. provides various banking products and financial services to individuals and businesses in Peru. The company offers intangible, free, Scotiabank super, salary, power, kids, income, CTS, mortgage savings, euro, current, travel, and target accounts; term deposits; credit, debit, and business cards; personal, business, medium-term, and SME loans; loan with mortgage guarantee; salary advances; mortgage and vehicle credit; and mutual funds. It also provides financial, life, accident, vehicular, home multi-risk, and health insurance, as well as property insurance against fire; wealth management services; collection services; payment solutions and transfer services; machinery, vehicle, and real estate leasing services; sales and purchase financing; guarantees; export letter of credit, import letter of credit, export documentary collection, and import documentary collection services; import, pre-shipment, and post-shipment financing products; and online and telephone banking services.
Scotiabank PerúA Fundamentals Summary
|SCOTIAC1 fundamental statistics|
Is SCOTIAC1 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SCOTIAC1 income statement (TTM)|
|Cost of Revenue||S/0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||1.59|
|Net Profit Margin||35.67%|
How did SCOTIAC1 perform over the long term?See historical performance and comparison
Is SCOTIAC1 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SCOTIAC1?
Other financial metrics that can be useful for relative valuation.
|What is SCOTIAC1's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does SCOTIAC1's PE Ratio compare to its peers?
|SCOTIAC1 PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
BBVAC1 Banco BBVA Perú
CREDITC1 Banco de Crédito del Perú
IFS Intercorp Financial Services
MIBANC1 Mibanco Banco de la Microempresa
SCOTIAC1 Scotiabank PerúA
Price-To-Earnings vs Peers: SCOTIAC1 is expensive based on its Price-To-Earnings Ratio (12x) compared to the peer average (8.6x).
Price to Earnings Ratio vs Industry
How does SCOTIAC1's PE Ratio compare vs other companies in the South American Banks Industry?
Price-To-Earnings vs Industry: SCOTIAC1 is expensive based on its Price-To-Earnings Ratio (12x) compared to the PE Banks industry average (9.6x)
Price to Earnings Ratio vs Fair Ratio
What is SCOTIAC1's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||12x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate SCOTIAC1's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of SCOTIAC1 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SCOTIAC1 (PEN19) is trading above our estimate of fair value (PEN8.01)
Significantly Below Fair Value: SCOTIAC1 is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SCOTIAC1's PEG Ratio to determine if it is good value.
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How is Scotiabank PerúA forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
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- 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.
How has Scotiabank PerúA performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SCOTIAC1 has a high level of non-cash earnings.
Growing Profit Margin: SCOTIAC1's current net profit margins (35.7%) are higher than last year (3.8%).
Past Earnings Growth Analysis
Earnings Trend: SCOTIAC1's earnings have declined by 12.6% per year over the past 5 years.
Accelerating Growth: SCOTIAC1's earnings growth over the past year (1772.2%) exceeds its 5-year average (-12.6% per year).
Earnings vs Industry: SCOTIAC1 earnings growth over the past year (1772.2%) exceeded the Banks industry 486.9%.
Return on Equity
High ROE: SCOTIAC1's Return on Equity (12.9%) is considered low.
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How is Scotiabank PerúA's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: SCOTIAC1's Assets to Equity ratio (7.6x) is low.
Allowance for Bad Loans: SCOTIAC1 has a low allowance for bad loans (81%).
Low Risk Liabilities: 71% 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 (75%).
Low Risk Deposits: SCOTIAC1's Loans to Deposits ratio (121%) is appropriate.
Level of Bad Loans: SCOTIAC1 has a high level of bad loans (7.7%).
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What is Scotiabank PerúA current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
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
Earnings 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.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Francisco Javier Sardon de Taboada
Mr. Francisco Javier Sardon de Taboada serves as Chief Executive Officer, Country Head and Vice President of the Board at Scotiabank Perú S.A.A. since June 1, 2021. He is Executive Vice President of the Bo...
Experienced Management: SCOTIAC1's management team is considered experienced (3.3 years average tenure).
Experienced Board: SCOTIAC1's board of directors are considered experienced (5.3 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Scotiabank Perú S.A.A.'s employee growth, exchange listings and data sources
- Name: Scotiabank Perú S.A.A.
- Ticker: SCOTIAC1
- Exchange: BVL
- Founded: 1943
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: S/15.251b
- Shares outstanding: 802.68m
- Website: https://www.scotiabank.com.pe
- Scotiabank Perú S.A.A.
- Avenida Dionisio Derteano 102
- San Isidro
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/04 00:00|
|End of Day Share Price||2022/07/01 00:00|
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.