Pacifico Compania de Seguros y Reaseguros
Pacifico Compania de Seguros y Reaseguros operates in the life and health insurance sector, generating revenue primarily through insurance premiums and investment income from its asset base.
Business. Pacifico Compania de Seguros y Reaseguros (PACIFIC1.LM) is a life and health insurance company operating within the financials sector. The firm generates revenue primarily through premium income, consistent with industry standards for life insurers. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not available in the provided data.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Synthesis
Pacifico Compania de Seguros y Reaseguros (PACIFIC1.LM) is a life and health insurance company operating within the financials sector. The firm generates revenue primarily through premium income, consistent with industry standards for life insurers. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not available in the provided data.
Pacifico Compania de Seguros y Reaseguros maintains a relatively strong liquidity position, with a debt-to-equity ratio of 0.19, indicating a conservative capital structure. The company's free cash flow of PEN 76.09 million suggests it has sufficient liquidity to meet short-term obligations without relying heavily on external financing. However, the negative net cash position after subtracting total debt raises some liquidity concerns.
In terms of profitability, the company's return on equity (ROE) of 18.93% is significantly higher than the typical industry median for life and health insurers, which is generally in the 10-15% range. This suggests that Pacifico is effectively utilizing its equity to generate returns. The return on assets (ROA) of 2.9% is in line with the industry average, indicating that the company is efficiently managing its asset base to generate profits.
The company's revenue is primarily concentrated in the domestic market, with no disclosed international operations. This geographic concentration may expose the company to local economic and regulatory risks. The lack of segmental breakdown in the financial data limits the ability to assess the contribution of different insurance lines to overall performance.
Looking at the growth trajectory, the company's operating income of PEN 886.14 million and net income of PEN 626.37 million suggest a stable performance. However, the absence of forward-looking guidance or historical revenue growth data makes it difficult to assess the company's long-term growth potential. The capital expenditure of PEN -263.66 million indicates a reduction in capital spending, which could be a sign of cost optimization or a strategic shift.
The risk assessment highlights a medium liquidity risk and a low dilution risk. The company's low dilution risk is supported by the fact that the number of basic and diluted shares outstanding is the same, indicating no imminent threat of share dilution. However, the negative net cash position after subtracting total debt is a key flag that could impact liquidity if not managed properly.
Recent events and filings do not provide specific details on new product launches or strategic initiatives. The company's 10-K filings and other disclosures should be reviewed for any recent developments that could impact its financial performance or strategic direction.
- Pacifico Compania de Seguros y Reaseguros has a strong return on equity (18.93%), outperforming the industry median.
- The company maintains a conservative capital structure with a debt-to-equity ratio of 0.19.
- The negative net cash position after subtracting total debt is a key liquidity concern.
- The company's revenue is primarily concentrated in the domestic market, exposing it to local economic and regulatory risks.
- The absence of segmental breakdown and forward-looking guidance limits the ability to assess long-term growth potential.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- Pacifico Compania de Seguros y Reaseguros Market data — financials · 2026-05-28