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Administradora de Fondos de Pensiones Cuprum SA

Administradora de Fondos de Pensiones Cuprum SA

94.00
CLP
0.00
(0.00%)
8.30EPS
12.39P/E
1.31TMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.21
7,553.95
10.47
10.77
11.21
10.01
12.85
10.82
11.68
12.42
14.19
15.04
17.78
17.93
Basic EPS, GAAP
3.28
3,656.55
10.7
4.93
4.78
3.63
5.5
3.57
4.27
5.26
5.78
6.19
8.2
8.3
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
3.43
22.45
4.23
4.85
5.8
5.06
6.06
5.37
6.67
1.9
6.36
5.75
6.14
3.84
Book Value per Share
7,192.31
36,526.72
59.44
59.52
58.38
56.84
56.14
52.81
51.69
47.46
48.82
49.14
51.07
53.14
Tangible Book Value per Share
6,889.64
5,312.17
16.96
18.21
18.27
17.89
18.39
16.36
16.55
13.67
16.15
17.51
20.5
23.12
Basic Weighted Avg Shares
17,996
18
12,765
12,779
12,770
12,766
12,780
12,761
12,779
12,770
12,779
12,769
12,770
12,761
Sales/Revenue/Turnover
111,781
134,970
133,638
137,595
143,094
127,830
164,273
138,015
149,307
158,652
181,393
191,995
227,014
228,854
Operating Margin (%)
65.12
55.53
52.37
52.78
51.62
43.29
52.69
39.94
42.62
41.91
48.54
51.28
58.37
58.15
Depreciation Expense
1,966
17,024
17,485
17,763
18,691
19,202
21,081
21,941
22,418
22,261
20,594
19,515
19,431
19,754
Net Income, GAAP
58,967
65,333
136,587
63,000
61,041
46,339
70,292
45,556
54,567
67,172
73,863
79,041
104,714
105,931
Effective Tax Rate (%)
19.12
19.91
- -
16.91
21.26
18.91
22.23
19.34
15.17
9.5
21.89
24.15
25.24
24.78
Profit Margin (%)
52.75
48.41
102.21
45.79
42.66
36.25
42.79
33.01
36.55
42.34
40.72
41.17
46.13
46.29
Working Capital
-19,729
-15,030
6,029
23,046
24,703
29,181
22,072
6,655
29,379
-1,801
35,244
52,691
52,472
63,246
LT Debt
302
299
290
276
257
253
4,569
7,510
6,064
5,403
3,722
1,989
945
1,214
Total Equity
128,508
664,445
759,117
760,102
745,516
725,855
716,883
674,432
660,099
606,065
623,472
627,514
652,216
678,550
Return on Invested Capital (%)
- -
15.07
- -
7.91
7.7
5.89
9.16
5.85
7.68
9.12
10.66
11.54
14.95
14.67
Return on Capital (%)
- -
16.16
- -
8.3
8.11
6.3
9.74
6.51
8.1
10.55
11.91
12.54
16.28
15.88
Return on Common Equity (%)
- -
16.73
19.35
8.29
8.11
6.3
9.74
6.55
8.18
10.61
12.01
12.64
16.36
15.96

Capital Structure

CLP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
2,538
3,576
2,538
LT Borrowings
- -
- -
- -
LT Finance Leases
945
533
1,214
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12,770
12,770
12,770
Market Capitalization
2,204,147
1,741,736
1,313,166

Working Capital

CLP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
154,459
168,310
130,049
Cash, Cash Equivalents & STI
147,935
160,412
123,615
Accounts Receivable, Net
5,166
5,433
5,069
Inventories
- -
- -
- -
Total Current Liabilities
101,987
96,576
66,803
Payables & Accruals
- -
- -
- -
ST Debt
2,538
3,576
2,538
Deferred Revenue
- -
- -
- -

Growth Rates

CLP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-1.44%
-0.57%
3.94%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
2.77%
18.47%
32.48%
Sales/Revenue/Turnover
6.17%
10.57%
18.24%
Total Cash Common Dividend
21.44%
36.9%
6.67%

Quarterly Revenue

CLP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
57,838
33,606
62,950
37,601
191,995
2025
48,962
60,211
- -
50,448
227,014
2026
47,988
70,207
- -
- -
- -

Quarterly Earnings Per Share

CLP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.17
0.73
2.39
0.89
6.19
2025
1.68
2.2
- -
1.68
8.2
2026
1.58
2.84
- -
- -
- -

Quarterly Dividends Per Share

CLP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
3.61
5.75
2025
- -
- -
- -
3.84
6.14
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Martín Alberto Mujica Ossandon
Full Time Employees
1,320
Sector
Finance
Industry
Investment managers
Address
Santiago Chile
IPO Date
Jan 21, 2015
Website
www6.cuprum.cl
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Business
Administradora de Fondos de Pensiones Cuprum SA is a Chile-based pension fund management company that specializes in retirement asset management, voluntary pension savings, and social security administration. Founded in 1981 and headquartered in Santiago, Chile, the company operates as a subsidiary of Principal Financial Group, providing mandatory and voluntary retirement savings solutions to individual workers, professionals, and corporate employers throughout Chile. The company manages individual retirement accounts under the Chilean multi-fund system, allocating assets across five distinct fund categories (Funds A, B, C, D, and E) that span from aggressive equity growth to conservative fixed-income instruments. Its comprehensive product and service portfolio comprises mandatory pension capitalization accounts; Voluntary Pension Savings (Ahorro Previsional Voluntario or APV); Collective Voluntary Pension Savings (APVC) programs for corporate clients; voluntary non-pension savings accounts (Cuenta 2); retirement benefit distribution modalities, including programmed withdrawals (Retiro Programado) and annuity transition administration; disability and survivorship insurance coverage management (Seguro de Invalidez y Sobrevivencia); and digital financial advisory and retirement simulation tools. In recent developments, the company has accelerated its digital transformation strategy by launching enhanced mobile application features, automated pension advisory tools, and digital client self-service portals to improve customer engagement and operational efficiency. The company has also advanced its sustainable investment framework by expanding the integration of environmental, social, and governance (ESG) factors across its multi-fund investment strategies in accordance with international responsible investment principles. In addition, Cuprum has implemented operational and IT architecture modernization programs to ensure regulatory compliance with ongoing pension reform frameworks in Chile while strengthening operational and asset management synergies with Principal Financial Group.