BVL:POSITIC1

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La Positiva Seguros y ReasegurosA

Executive Summary

La Positiva Seguros y Reaseguros S.A.A. provides insurance products and services to individuals and business customers in Peru. More Details

Rewards

PE ratio (6.7x) is below the PE market (11.5x)

Earnings grew by 303.1% over the past year

Risk Analysis

No risks detected for POSITIC1 from our risk checks.


Snowflake Analysis

Solid track record with adequate balance sheet.


Similar Companies

Share Price & News

How has La Positiva Seguros y ReasegurosA's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: POSITIC1 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

POSITIC1

0%

PE Insurance

-1.3%

PE Market


1 Year Return

-30.0%

POSITIC1

-9.2%

PE Insurance

-13.6%

PE Market

Return vs Industry: POSITIC1 underperformed the PE Insurance industry which returned -9.2% over the past year.

Return vs Market: POSITIC1 underperformed the PE Market which returned -14.8% over the past year.


Shareholder returns

POSITIC1IndustryMarket
7 Day0%0%-1.3%
30 Day0%-0.6%-2.2%
90 Day0%-0.4%-2.6%
1 Year-30.0%-30.0%-4.5%-9.2%-10.7%-13.6%
3 Year-6.5%-6.5%-10.7%-17.7%-7.2%-15.7%
5 Year31.1%31.1%85.9%32.8%67.6%41.5%

Price Volatility Vs. Market

How volatile is La Positiva Seguros y ReasegurosA's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is La Positiva Seguros y ReasegurosA undervalued compared to its fair value and its price relative to the market?

6.69x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: POSITIC1 (PEN1.05) is trading above our estimate of fair value (PEN0.48)

Significantly Below Fair Value: POSITIC1 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: POSITIC1's PE Ratio (6.7x) is in line with the PE Insurance industry average.

PE vs Market: POSITIC1 is good value based on its PE Ratio (6.7x) compared to the PE market (11.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate POSITIC1's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: POSITIC1 is good value based on its PB Ratio (0.8x) compared to the PE Insurance industry average (1.3x).


Next Steps

Future Growth

How is La Positiva Seguros y ReasegurosA forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.4%

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 La Positiva Seguros y ReasegurosA 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 La Positiva Seguros y ReasegurosA performed over the past 5 years?

12.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: POSITIC1 has high quality earnings.

Growing Profit Margin: POSITIC1's current net profit margins (3.5%) are higher than last year (1%).


Past Earnings Growth Analysis

Earnings Trend: POSITIC1's earnings have grown by 12.6% per year over the past 5 years.

Accelerating Growth: POSITIC1's earnings growth over the past year (303.1%) exceeds its 5-year average (12.6% per year).

Earnings vs Industry: POSITIC1 earnings growth over the past year (303.1%) exceeded the Insurance industry -4%.


Return on Equity

High ROE: POSITIC1's Return on Equity (11.2%) is considered low.


Next Steps

Financial Health

How is La Positiva Seguros y ReasegurosA's financial position?


Financial Position Analysis

Short Term Liabilities: POSITIC1's short term assets (PEN1.9B) do not cover its short term liabilities (PEN2.0B).

Long Term Liabilities: POSITIC1's short term assets (PEN1.9B) do not cover its long term liabilities (PEN3.8B).


Debt to Equity History and Analysis

Debt Level: POSITIC1's debt to equity ratio (7.8%) is considered satisfactory.

Reducing Debt: POSITIC1's debt to equity ratio has reduced from 34% to 7.8% over the past 5 years.

Debt Coverage: POSITIC1's debt is well covered by operating cash flow (515.2%).

Interest Coverage: POSITIC1's interest payments on its debt are well covered by EBIT (12.9x coverage).


Balance Sheet


Next Steps

Dividend

What is La Positiva Seguros y ReasegurosA current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate POSITIC1's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate POSITIC1'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 POSITIC1's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if POSITIC1's dividend payments have been increasing.


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: No need to calculate the sustainability of POSITIC1'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?

0.8yrs

Average management tenure


CEO

Juan Manuel Peña Henderson

no data

Tenure

Mr. Juan Manuel Peña Henderson serves as the Chief Executive Officer and General Manager of La Positiva Seguros y Reaseguros S.A. Mr. Henderson serves as General Manager at La Positiva Vida Seguros y Rease ...


Leadership Team

NamePositionTenureCompensationOwnership
Juan Manuel Peña Henderson
CEO, General Manager & Directorno datano datano data
Luis Alberto Vasquez Vargas
Investment Division Manager5.58yrsno datano data
Leonor Maria Arana
Corporate Legal Managerno datano datano data
Rafael Rivera
Regulatory Compliance Manager0.75yrno datano data
Silvana Vigil
Marketing & Digital Channels Manager0.75yrno datano data
César Noya Bao
Business & People Division Managerno datano datano data
Gustavo Salazar Delgado
Assistant Chief Executive Officer and Deputy General Manager of Limano datano datano data
Gustavo Cerdeña Rodríguez
General Managerno datano datano data

0.8yrs

Average Tenure

Experienced Management: POSITIC1's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Juan Manuel Peña Henderson
CEO, General Manager & Directorno datano datano data
Juan Manuel Peña Roca
Directorno datano datano data
Manuel Bustamante Olivares
Directorno datano datano data
Andreas von Wedemeyer Knigge
Chairmanno datano datano data
Juan Manuel Prado Bustamente
Alternate Directorno datano datano data
José Manuel Alvarez Quintero
Vice Chairman of the Board1.58yrsno datano data
Luis Baba Nakao
Independent Director1.58yrsno datano data
Manuel Brandão Mendes
Independent Director1.58yrsno datano data
Luis Jaime Marques
Director1.58yrsno datano data
Filipe Santos Martins
Director1.58yrsno datano data
Andre Simões Cardoso
Director1.58yrsno datano data
Maria Isabel Toucedo Lage
Director1.58yrsno datano data

1.6yrs

Average Tenure

82yo

Average Age

Experienced Board: POSITIC1's board of directors are not considered experienced ( 1.6 years average tenure), which suggests a new board.


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

La Positiva Seguros y Reaseguros S.A.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: La Positiva Seguros y Reaseguros S.A.A.
  • Ticker: POSITIC1
  • Exchange: BVL
  • Founded: 1937
  • Industry: Multi-line Insurance
  • Sector: Insurance
  • Market Cap: S/412.058m
  • Shares outstanding: 392.44m
  • Website: https://www.lapositiva.com.pe

Number of Employees


Location

  • La Positiva Seguros y Reaseguros S.A.A.
  • Calle Francisco Masías 370
  • San Isidro
  • Lima
  • 27
  • Peru

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
POSITIC1BVL (Bolsa de Valores de Lima)YesCommon SharesPEPENMar 1996

Biography

La Positiva Seguros y Reaseguros S.A.A. provides insurance products and services to individuals and business customers in Peru. It offers accident, vehicle, home, and card and credit insurance products; he ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/21 18:23
End of Day Share Price2020/10/20 00:00
Earnings2020/06/30
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.