Rimac Seguros y Reaseguros

Rimac Seguros y Reaseguros maintains a strong liquidity position, with cash and equivalents amounting to PEN 838.37 million, representing 27.6% of total assets. The company's liquidity FPT (free cash flow to total liabilities) is 0.05, indicating a moderate ability to service liabilities from operating cash flows. The debt-to-equity ratio of 0.04 is significantly below the industry median, suggesting a conservative capital structure. Profitability metrics show a return on equity (ROE) of 14.79%, which is well above the industry median for multiline insurers, indicating strong returns for shareholders. However, the return on assets (ROA) of 2.02% is slightly below the median, suggesting that asset utilization is not as efficient as top performers in the sector. The company's revenue is concentrated in its core insurance and asset management segments, with no material geographic diversification disclosed. This concentration may expose the company to regional economic fluctuations, particularly in the Peruvian market where it is headquartered. Growth trajectory appears stable, with operating income of PEN 454.46 million and net income of PEN 449.01 million in the latest period. While no forward-looking revenue growth rates are provided, the company's free cash flow of PEN 95.90 million and operating cash flow of PEN 1.57 billion suggest a solid cash-generating capacity. Risk factors are minimal, with low liquidity and dilution risk scores. No immediate filing-based liquidity or dilution flags were detected, and the company has not issued additional shares in the recent period. The absence of dilution pressure is supported by the fact that basic and diluted shares outstanding remain equal at 2.19 billion. Recent events include no material regulatory or operational changes disclosed in the latest filings. The company's ESG profile is strong, with a Social pillar score of 63.94 and a Governance pillar score of 61.83, indicating a moderate level of ESG performance. The ESG controversies score of 100.00 suggests no recent controversies.