La Positiva Seguros y Reaseguros S.A. (BVL:POSITIC1)

BVL:POSITIC1 Financials Overview

Financials in millions PEN. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	2,722	2,549	2,367	2,193	1,886	1,696
Revenue Growth	11.74%	7.71%	7.91%	16.33%	11.19%	19.46%
Operating Income Operating Income Growth	411.95	390.85	496.52	295.98	96.25	117.67
Net Income Net Income Growth	201.07	183.74	215.57	150.14	63.7	73.25
Earnings Per Share EPS Growth	0.24	0.22	0.25	0.18	0.07	0.09
EPS Growth	15.44%	-14.77%	43.58%	135.69%	-13.03%	-13.68%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
General Risks - Mandatory Traffic Accident Insurance General Risks - Mandatory Traffic Accident Insurance Growth	275.03	270.21	247.77	201.17	192.29	193.72
General Risks - Vehicles General Risks - Vehicles Growth	228.51	223.92	212.16	204.9	169.96	177.24
General Risks - Civil Liability General Risks - Civil Liability Growth	52.75	50.35	42.96	36.14	69.45	28.18
General Risks - Dishonesty General Risks - Dishonesty Growth	17.28	13.63	16.57	15.98	29.9	36.35
General Risks - Fire and Similar Items General Risks - Fire and Similar Items Growth	46.94	50.62	81.21	71.91	20.34	59.71
General Risks - Transport General Risks - Transport Growth	20.27	18.23	17.34	16.24	15.15	20.08
General Risks - Theft and Robbery General Risks - Theft and Robbery Growth	42.85	39.22	37.18	38.26	22.44	15.83
General Risks - Agricultural General Risks - Agricultural Growth	45.07	28.84	24.23	16.63	17.27	11.75
General Risks - Sureties (Bonds) General Risks - Sureties (Bonds) Growth	19.82	19.52	17.49	19.86	38.47	17.75
General Risks - Technical Segments General Risks - Technical Segments Growth	34.86	34.64	29.37	25.8	13.82	30.1
General Risks - Other General Risks - Other Growth	33.9	29.87	20.05	19.53	21.46	17.7
Life Insurance - Payment Protection Insurance Life Insurance - Payment Protection Insurance Growth	183.78	162.09	131.57	140.73	126.37	98.08
Life Insurance - Pension Life Insurance - Pension Growth	279.37	270.81	135.21	201.59	198.85	116.03
Life Insurance - Life Annuity Life Insurance - Life Annuity Growth	63.32	67.98	61.68	112.23	117.99	48.99
Life Insurance - Hazardous Work Supplemental Insurance Life Insurance - Hazardous Work Supplemental Insurance Growth	232.32	253.98	294.87	275.42	72.81	152.61
Life Insurance - Life Life Insurance - Life Growth	145.64	126.54	57.41	109.16	36.88	66.72
Life Insurance - Short-Term - Burial Life Insurance - Short-Term - Burial Growth	39.07	38.56	39.37	37.55	13.19	30.57
Life Insurance - Life Group Life Insurance - Life Group Growth	2.08	2.23	62.95	-104.3	5.65	15.4
Life Insurance - Annuity Life Insurance - Annuity Growth	57.44	37.42	23.67	54.95	38.01	-1.16
Health Risks - Hazardous Work Supplementary Insurance Health Risks - Hazardous Work Supplementary Insurance Growth	110.83	108	94.79	88.25	77.06	60.56
Health Risks - Personal Accident Health Risks - Personal Accident Growth	21.36	16.96	15.18	14.73	12.35	0.79
Health Risks - Medical Assistance Health Risks - Medical Assistance Growth	115.56	119.59	121.01	30.17	35.1	103.38
Health risks - Health care plans Health risks - Health care plans Growth	64.69	59.79	47.73	137.8	92.53	23.77
Total Total Growth	2,133	2,043	1,832	1,765	1,437	1,324

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	688.69	319.4	200.69	173.14	222.22	412.26
Total Debt Total Debt Growth	-	1	1.95	0.76	0.96	0.22
Net Cash (Debt) Net Cash Growth	688.69	318.4	198.74	172.38	221.26	412.04
Net Cash Growth	-	60.21%	15.29%	-22.09%	-46.30%	-13.47%
Net Cash Per Share Net Cash Per Share Growth	0.81	0.37	0.23	0.20	0.26	0.48

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	636.03	570.27	307.1	403.11	209.13	206.35
Capital Expenditures CapEx Growth	-7.25	-4.07	-7.6	-6.35	-11.3	-5.58
Free Cash Flow Free Cash Flow Growth	628.78	566.2	299.5	396.76	197.83	200.77
Free Cash Flow Growth	237.43%	89.05%	-24.51%	100.55%	-1.46%	-29.62%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	15.13%	15.33%	20.98%	13.49%	5.10%	6.94%
Pretax Margin	13.15%	12.70%	15.75%	12.54%	5.75%	7.04%
Profit Margin	7.39%	7.21%	9.11%	6.84%	3.38%	4.32%
FCF Margin	23.10%	22.21%	12.65%	18.09%	10.49%	11.84%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024
Period Ending	Sep 15, 2026	Dec 31, 2025	Dec 31, 2024
Dividend Per Share Dividend Per Share Growth	0.070	-	0.070
Dividend Per Share Growth	20.98%	-	-
Dividend Yield	8.93%	-	16.75%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 15, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	3.31	3.28	2.15	2.49	5.58	4.84
P/FCF Ratio	1.06	1.07	1.55	0.94	1.80	1.77
PS Ratio	0.24	0.24	0.20	0.17	0.19	0.21

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 15, 2026

Data Sources Report a data error