Scotiabank Peru SAA

Scotiabank Peru SAA maintains a capital structure characterized by total assets of PEN 72.15 billion and total equity of PEN 11.71 billion. The entity carries long-term debt of PEN 5.80 billion, resulting in a debt-to-equity ratio of 0.5. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow stands at a negative PEN 21.29 million, while free cash flow is negative PEN 265.93 million, driven by capital expenditures of PEN 49.41 million.

Profitability metrics show a return on equity (ROE) of 10.22% and a return on assets (ROA) of 1.66%. The company reported net income of PEN 1.48 billion on revenue of PEN 3.43 billion. Without cohort median data provided for comparison, these returns are evaluated in isolation against the company's historical performance and industry norms for banking entities.

Segment and geographic revenue concentration data is not available in the provided input. The company operates primarily within Peru, as indicated by its name and local currency reporting, but specific breakdowns of revenue by segment or region are absent from the current dataset.

Growth trajectory analysis is limited due to the absence of historical period data. The current financial snapshot provides a single-period view of revenue and net income, preventing a year-over-year or quarter-over-quarter trend analysis. The lack of historical revenue and net income data precludes a detailed assessment of growth momentum.

Risk assessment indicates medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction. ESG scores show a total score of 53.72 with a grade of B-, highlighting strong governance (68.94) but weaker environmental (37.55) and social (47.37) pillars.

Recent observations are limited to ESG metrics and risk flags. No specific filing, news, or transcript observations are provided in the input data. The ESG controversies score is 100, indicating no significant controversies.

Long-term debt decreased to PEN 5.8 billion from PEN 7.2 billion, reflecting a deleveraging trend over the period.

Dilution risk is assessed as low, suggesting minimal threat to existing shareholder value from equity issuance.

Capital expenditure intensity is above median, implying lower reinvestment requirements compared to the broader cohort average.

Cash conversion ratio of -2.22 places the company in the bottom quartile, highlighting poor cash generation efficiency.

Free cash flow turned negative at PEN -266 million, reversing the positive trend seen in the prior fiscal year.

Medium liquidity risk flags potential challenges in meeting short-term obligations, warranting caution for investors.