Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1) ROE %: 6.29% (As of Dec. 2025) — 53% Below Median


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

Vivir Seguros Compania de Seguros de Vida LIM:VIVSEGC1 ROE % is 6.29% as of Dec. 2025, which is 53% below its 10-year median of 13.44. The stock has 5 warning signs investors should review.

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Vivir Seguros Compania de Seguros de Vida's annualized net income for the quarter that ended in Dec. 2025 was S/.7.3 Mil. Vivir Seguros Compania de Seguros de Vida's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was S/.116.6 Mil. Therefore, Vivir Seguros Compania de Seguros de Vida's annualized ROE % for the quarter that ended in Dec. 2025 was 6.29%.

The historical rank and industry rank for Vivir Seguros Compania de Seguros de Vida's ROE % or its related term are showing as below:

LIM:VIVSEGC1' s ROE % Range Over the Past 10 Years
Min: 6.29   Med: 13.44   Max: 60.75
Current: 6.29

During the past 9 years, Vivir Seguros Compania de Seguros de Vida's highest ROE % was 60.75%. The lowest was 6.29%. And the median was 13.44%.

LIM:VIVSEGC1's ROE % is not ranked
in the Insurance industry.
Industry Median: 11.635 vs LIM:VIVSEGC1: 6.29

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

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=7.331/116.6085
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(7.331 / 515.602)*(515.602 / 278.351)*(278.351 / 116.6085)
=Net Margin %*Asset Turnover*Equity Multiplier
=1.42 %*1.8523*2.3871
=ROA %*Equity Multiplier
=2.63 %*2.3871
=6.29 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=7.331/116.6085
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / EBIT) * (EBIT / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (7.331 / 9.146) * (9.146 / 9.42) * (9.42 / 515.602) * (515.602 / 278.351) * (278.351 / 116.6085)
= Tax Burden * Interest Burden * EBIT Margin % * Asset Turnover * Equity Multiplier
= 0.8016 * 0.9709 * 1.83 % * 1.8523 * 2.3871
=6.29 %

Note: The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* 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.

Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.

Vivir Seguros Compania de Seguros de Vida ROE % Related Terms

Vivir Seguros Compania de Seguros de Vida ROE % Historical Data

* Premium members only.

The historical data trend for Vivir Seguros Compania de Seguros de Vida's ROE % 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 ROE % Chart

Vivir Seguros Compania de Seguros de Vida Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE %
Get a 7-Day Free Trial Premium Member Only 16.81 11.37 9.64 19.60 6.29

Vivir Seguros Compania de Seguros de Vida Semi-Annual Data
Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Get a 7-Day Free Trial Premium Member Only 16.81 11.37 9.64 19.60 6.29

LIM:VIVSEGC1 vs : ROE % Comparison

For the Insurance - Life subindustry, Vivir Seguros Compania de Seguros de Vida's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Vivir Seguros Compania de Seguros de Vida ROE % vs Insurance Industry

For the Insurance industry and Financial Services sector, Vivir Seguros Compania de Seguros de Vida's ROE % distribution charts can be found below:

* The bar in red indicates where Vivir Seguros Compania de Seguros de Vida's ROE % falls into.


Vivir Seguros Compania de Seguros de Vida ROE % Calculation

Vivir Seguros Compania de Seguros de Vida's annualized ROE % for the fiscal year that ended in Dec. 2025 is calculated as

ROE %=Net Income (A: Dec. 2025 )/( (Total Stockholders Equity (A: Dec. 2024 )+Total Stockholders Equity (A: Dec. 2025 ))/ count )
=7.331/( (102.877+130.34)/ 2 )
=7.331/116.6085
=6.29 %

Vivir Seguros Compania de Seguros de Vida's annualized ROE % for the quarter that ended in Dec. 2025 is calculated as

ROE %=Net Income (Q: Dec. 2025 )/( (Total Stockholders Equity (Q: Dec. 2024 )+Total Stockholders Equity (Q: Dec. 2025 ))/ count )
=7.331/( (102.877+130.34)/ 2 )
=7.331/116.6085
=6.29 %

* 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.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is one times the annual (Dec. 2025) net income data. ROE % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of 6.29% mean?
Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1) has a ROE % of 6.29% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Vivir Seguros Compania de Seguros de Vida and its competitors. This is 53% below median its historical median of 13.44. Over the past decade, Vivir Seguros Compania de Seguros de Vida's ROE % has ranged from 6.29 to 60.75.
Is Vivir Seguros Compania de Seguros de Vida's ROE % too high?
Vivir Seguros Compania de Seguros de Vida's current ROE % of 6.29% is 53% below median its 10-year median of 13.44. Over the past 10 years, this metric has ranged from a low of 6.29 to a high of 60.75. The Insurance industry median ROE % is 11.64. Vivir Seguros Compania de Seguros de Vida's value of 6.29% is 45.9% below this industry median.
How does Vivir Seguros Compania de Seguros de Vida's ROE % compare to ?
Vivir Seguros Compania de Seguros de Vida's ROE % of 6.29% can be compared against companies in the Insurance industry. The industry median ROE % is 11.64. Vivir Seguros Compania de Seguros de Vida's value of 6.29% is 45.9% below this benchmark. Historically, Vivir Seguros Compania de Seguros de Vida's own ROE % has ranged from 6.29 to 60.75 over the past decade. While the company's 10-year median is 13.44 vs. the industry median of 11.64, Vivir Seguros Compania de Seguros de Vida has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.64, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % of 6.29% is 45.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Vivir Seguros Compania de Seguros de Vida and its competitors. For the Insurance industry, the median ROE % is 11.64 — 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 ROE % is 6.29%, which is 53% below median its own 10-year median of 13.44. 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 ROE % of 6.29%. The current ROE % is 6.29%, which is 53% below median its 10-year median of 13.44 and 45.9% below the Insurance industry median of 11.64. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Vivir Seguros Compania de Seguros de Vida (LIM:VIVSEGC1), the current ROE % is 6.29% 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

Comparable Companies
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.