Rimac Seguros y Reaseguros
Rimac Seguros y Reaseguros operates in the insurance sector, providing multiline insurance and brokerage services, and generates revenue primarily through underwriting premiums and asset management activities.
Business. Rimac Seguros y Reaseguros (RIMSEGC1.LM) is a multiline insurance and broker operating within the Financials sector. The company generates revenue through a premium-income model, engaging in insurance and reinsurance activities. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available 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
Signals & dispatch
Composite-score breakdown
Synthesis
Rimac Seguros y Reaseguros (RIMSEGC1.LM) is a multiline insurance and broker operating within the Financials sector. The company generates revenue through a premium-income model, engaging in insurance and reinsurance activities. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data.
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.
- Rimac Seguros y Reaseguros has a strong liquidity position with a low debt-to-equity ratio of 0.04.
- The company's ROE of 14.79% is significantly above the industry median, indicating strong profitability for shareholders.
- Revenue is concentrated in insurance and asset management, with no material geographic diversification disclosed.
- Free cash flow of PEN 95.90 million and operating cash flow of PEN 1.57 billion suggest a solid cash-generating capacity.
- Low liquidity and dilution risk scores indicate no immediate financial pressure from external sources.
Bull / Bear case
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Risk factors
- No immediate filing-based liquidity or dilution flags were detected.
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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
- Rimac Seguros y Reaseguros Market data — financials · 2026-05-29
- Rimac Seguros y Reaseguros Market data — ESG · 2026-05-29