Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1) ROC %: 2.94% (As of Dec. 2025)


What is Vivir Seguros Compania de Seguros de Vida ROC %?

Vivir Seguros Compania de Seguros de Vida LIM:VIVSEGC1 ROC % is 2.94% as of Dec. 2025. The stock has 5 warning signs investors should review.

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. Vivir Seguros Compania de Seguros de Vida's annualized return on capital (ROC %) for the quarter that ended in Dec. 2025 was 2.94%.

As of today (2026-07-12), Vivir Seguros Compania de Seguros de Vida's WACC % is 27.52%. Vivir Seguros Compania de Seguros de Vida's ROC % is 2.94% (calculated using TTM income statement data). Vivir Seguros Compania de Seguros de Vida earns returns that do not match up to its cost of capital. It will destroy value as it grows.

Vivir Seguros Compania de Seguros de Vida  (LIM:VIVSEGC1) ROC % Explanation

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.

There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.

Why is ROC % important?

Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.

As of today, Vivir Seguros Compania de Seguros de Vida's WACC % is 27.52%. Vivir Seguros Compania de Seguros de Vida's ROC % is 2.94% (calculated using TTM income statement data). Vivir Seguros Compania de Seguros de Vida earns returns that do not match up to its cost of capital. It will destroy value as it grows.

Be Aware

Like ROE % and ROA %, ROC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Vivir Seguros Compania de Seguros de Vida ROC % Related Terms

Vivir Seguros Compania de Seguros de Vida ROC % Historical Data

* Premium members only.

The historical data trend for Vivir Seguros Compania de Seguros de Vida's ROC % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Vivir Seguros Compania de Seguros de Vida ROC % Chart

Vivir Seguros Compania de Seguros de Vida Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROC %
Get a 7-Day Free Trial Premium Member Only 6.44 3.92 4.01 8.95 2.94

Vivir Seguros Compania de Seguros de Vida Semi-Annual Data
Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROC % Get a 7-Day Free Trial Premium Member Only 6.44 3.92 4.01 8.95 2.94

Vivir Seguros Compania de Seguros de Vida ROC % Calculation

Vivir Seguros Compania de Seguros de Vida's annualized Return on Capital (ROC %) for the fiscal year that ended in Dec. 2025 is calculated as:

ROC % (A: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (A: Dec. 2024 ) + Invested Capital (A: Dec. 2025 ))/ count )
=9.42 * ( 1 - 19.84% )/( (235.7774 + 277.6431)/ 2 )
=7.551072/256.71025
=2.94 %

where

Invested Capital(A: Dec. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=254.787 - 35.33 - ( 5.2 - 5% * 430.408 )
=235.7774

Invested Capital(A: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=301.915 - 43.258 - ( 6.794 - 5% * 515.602 )
=277.6431

Vivir Seguros Compania de Seguros de Vida's annualized Return on Capital (ROC %) for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2024 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=9.42 * ( 1 - 19.84% )/( (235.7774 + 277.6431)/ 2 )
=7.551072/256.71025
=2.94 %

where

Invested Capital(Q: Dec. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=254.787 - 35.33 - ( 5.2 - 5% * 430.408 )
=235.7774

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=301.915 - 43.258 - ( 6.794 - 5% * 515.602 )
=277.6431

Note: The EBIT data used here is one times the annual (Dec. 2025) data. The tax rate is limited to between 0% and 100%.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about ROC % →
What does a ROC % of 2.94% mean?
Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1) has a ROC % of 2.94% as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Vivir Seguros Compania de Seguros de Vida and its competitors.
Is Vivir Seguros Compania de Seguros de Vida's ROC % too high?
Vivir Seguros Compania de Seguros de Vida's current ROC % is 2.94%. The Insurance industry median ROC % is 3.36. Vivir Seguros Compania de Seguros de Vida's value of 2.94% is 12.5% below this industry median.
How does Vivir Seguros Compania de Seguros de Vida's ROC % compare to ?
Vivir Seguros Compania de Seguros de Vida's ROC % of 2.94% can be compared against companies in the Insurance industry. The industry median ROC % is 3.36. Vivir Seguros Compania de Seguros de Vida's value of 2.94% is 12.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for an Insurance company?
The median ROC % among Insurance companies is 3.36, based on 372 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vivir Seguros Compania de Seguros de Vida's current ROC % of 2.94% is 12.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Vivir Seguros Compania de Seguros de Vida and its competitors. For the Insurance industry, the median ROC % is 3.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vivir Seguros Compania de Seguros de Vida's current ROC % is 2.94%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vivir Seguros Compania de Seguros de Vida stock overvalued right now?
Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1) has a current ROC % of 2.94%. The current ROC % is 2.94% and 12.5% below the Insurance industry median of 3.36. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1), the current ROC % is 2.94% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Vivir Seguros Compania de Seguros de Vida Business Description

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Address Avenue Apoquindo 6750, 10th Floor - Las Condes, Santiago, PER
Vivir Seguros Compania de Seguros de Vida SA is a life insurance company. The company is engaged in offering life insurance products including personal accidents, dental insurance, health insurance and life.