Vivir Seguros Compañía de Seguros De Vida S.A. (BVL:VIVSEGC1)

Peru · Delayed Price · Currency is PEN

0.9500

0.00 (0.00%)

At close: Nov 9, 2026

BVL:VIVSEGC1 Financials Overview

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

Millions PEN. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	670.84	604.62	346.69	36.42	32.51	17.64
Revenue Growth	24.85%	74.40%	852.03%	12.03%	84.23%	79.20%
Operating Income	170.24	148.15	102.43	-14.69	-5.42	-19.55
Net Income	161.51	133.86	95.63	-15.28	-6.55	-19.46
Earnings Per Share	0.74	0.54	0.41	-0.09	-0.04	-0.17
EPS Growth	60.67%	31.65%	-	-	-	-

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pension	524.88	293.98	-0.74	4.4	-3.64
Other Products	0.01	0.01	0.58	-	-
Annuity	-2.08	-0.1	-0.34	-0.01	0.02
Annuities	-4.82	-6.09	-7.32	-6.69	-4.35
Mandatory Traffic Accident Insurance (SOAT)	-0.13	0.32	0.17	0.04	0
Investment Income	-1.46	-1.07	-0.76	1.51	0.02
Total	516.41	287.05	-8.41	-0.75	-7.95

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Cash (Debt)	108.1	96.44	50.93	40.34	17.7	12.58
Net Cash Growth	-33.74%	89.37%	26.23%	127.88%	40.79%	-21.07%
Net Cash Per Share	0.50	0.39	0.22	0.23	0.12	0.11
Cash & Investments	108.1	96.44	50.93	40.34	17.7	12.58

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	558.61	538.71	340.28	105.61	131.36	95.18
Capital Expenditures	-3.12	-0.89	-0.89	-0.32	-0.12	-0.09
Free Cash Flow	555.49	537.82	339.4	105.29	131.23	95.1
Free Cash Flow Growth	21.83%	58.46%	222.35%	-19.77%	38.00%	69.94%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	25.38%	24.50%	29.54%	-40.33%	-16.68%	-110.78%
Pretax Margin	25.35%	23.46%	29.63%	-41.95%	-20.16%	-110.28%
Profit Margin	24.07%	22.14%	27.58%	-41.95%	-20.16%	-110.27%
FCF Margin	82.81%	88.95%	97.90%	289.13%	403.73%	538.97%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
P/FCF Ratio	0.42	-	-	-	0.78	0.89
PS Ratio	0.35	-	-	-	3.14	4.80