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AM Best Affirms Credit Ratings of Pacífico Compañía de Seguros y Reaseguros S.A.

By: AM Best via Business Wire

December 18, 2025 at 13:24 PM EST

ⓘ This article is third-party content and does not represent the views of this site. We make no guarantees regarding its accuracy or completeness.

AM Best has affirmed the Financial Strength Rating of A- (Excellent) and the Long-Term Issuer Credit Rating of “a-” (Excellent) of Pacífico Compañía de Seguros y Reaseguros S.A. (PCS) (Lima, Perú). The outlook of these Credit Ratings (ratings) is stable.

The ratings reflect PCS’ balance sheet strength, which AM Best assesses as strongest, as well as its adequate operating performance, neutral business profile and appropriate enterprise risk management (ERM).

The stable outlooks reflect PCS’ ability to maintain a profitable operation, which continues to strengthen its capital base.

The ratings of PCS also reflect the company’s significant market share in Perú’s insurance industry, as well as its comprehensive and well-diversified reinsurance program.

PCS is Perú’s second largest insurer with a market share of 22%, as of October 2025. Life insurance comprises over half of the company’s business portfolio, with non-life insurance making up the rest. The company’s ultimate parent is Perú’s largest financial holding company, Credicorp Ltd. [NYSE: BAP], which had more than USD 75 billion in assets as of December 2024.

PCS’ risk-adjusted capitalization stands at the strongest level, as measured by Best’s Capital Adequacy Ratio (BCAR); significant positive bottom-line results have allowed the company to widen its capital base in recent years. PCS continues to benefit from risk mitigation, achieved through diversification in its business and investment portfolios, as well as a robust and comprehensive reinsurance program with highly rated reinsurers.

PCS has maintained an adequate level of operating performance. Underwriting adjustments made by the company in its sensitive pension-fund related business lines such as life, health and pension insurance to counter stress from the effects of the pandemic, resulted in visible improvements that have translated into stronger profitable results each year; the company posted USD 219 million in profits during 2024, and the positive trend has continued as of October 2025.

Positive rating actions could occur if the company is able to maintain a favorable, consistent trend in underwriting results that is supportive of a strong assessment for operating performance. Negative rating actions may occur if the company experiences a shift in risk appetite or significant capital outflows that impact the company’s risk-adjusted capitalization.

This press release relates to Credit Ratings that have been published on AM Best’s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Rating Activity web page. For additional information regarding the use and limitations of Credit Rating opinions, please view Guide to Best’s Credit Ratings. For information on the proper use of Best’s Credit Ratings, Best’s Performance Assessments, Best’s Preliminary Credit Assessments and AM Best press releases, please view Guide to Proper Use of Best’s Ratings & Assessments.

AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com.

View source version on businesswire.com: https://www.businesswire.com/news/home/20251218283572/en/

Contacts

Inger Rodriguez

Financial Analyst

+52 55 1102 2720, ext. 108

inger.rodriguez@ambest.com

Salvador Smith, CQF

Associate Director, Analytics

+52 55 1102 2720, ext. 109

salvador.smith@ambest.com

Christopher Sharkey

Associate Director, Public Relations

+1 908 882 2310

christopher.sharkey@ambest.com

Al Slavin

Senior Public Relations Specialist

+1 908 882 2318

al.slavin@ambest.com

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