CREDICORP LTD (BAP)       135.73  +0.53 (+0.39%)

135.73  +0.53 (+0.39%)

BMG2519Y1084 - Common Stock - After market: 135.73 0 (0%)


Fundamental Rating

4

Taking everything into account, BAP scores 4 out of 10 in our fundamental rating. BAP was compared to 334 industry peers in the Banks industry. While BAP is still in line with the averages on profitability rating, there are some concerns on its financial health. BAP is valued quite expensive, but it does show an excellent growth.

Note: BAP has only limited data available, so a full analysis was not possible, which makes the total rating unfair.




Profitability

Profitability Rating

6

BAP has a Return On Assets of 1.89%. This is amongst the best returns in the industry. The industry average is 1.11%. BAP outperforms 95% of its industry peers.
BAP has a Return On Equity of 17.05%. This is amongst the best returns in the industry. The industry average is 12.37%. BAP outperforms 84% of its industry peers.

BAP has a Piotroski-F score of 5.00. This indicates an average health and profitability for BAP.
BAP has a Profit Margin of 24.34%. This is below the industry average of 29.84%.
VS Industry

ROA (1.89%) VS Industry: 95% outperformed.

0.15
7.28

ROE (17.05%) VS Industry: 84% outperformed.

3.45
50.89

Profit Margin (24.34%) VS Industry: 22% outperformed.

6.02
51.15

Valuation

Valuation Rating

0


VS Industry

Growth

Growth Rating

7

The Earnings Per Share has grown by an impressive 45.25% over the past year.
The Earnings Per Share is expected to grow by 17.74% on average over the next 5 years. This is quite good.
The EPS growth is accelerating: in the next 5 years the growth will be better than in the last years.
BAP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.87%.

The Revenue is expected to grow by 11.80% on average over the next 5 years. This is quite good.
The Revenue growth is accelerating: in the next 5 years the growth will be better than in the last years.
Measured over the past 5 years, BAP shows a small growth in Earnings Per Share. The EPS has been growing by 0.68% on average per year.
BAP shows a small growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 4.05% yearly.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS0.68% -3.46% 45.25% 33.41% 22.35% 16.63% 17.74%
Revenue4.05% 4.2% 13.87% 18.2% 14.23% 11.8% N/A

Health

Health Rating

1

The Piotroski-F score of BAP is 5.00. This is a neutral score and indicates average health and profitability for BAP.

Compared to an average industry Debt to Equity Ratio of 0.20, BAP is requires more financing than its industry peers. 88% of its industry peers have a better Debt to Equity Ratio.
VS Industry

Debt/Equity (0.94) VS Industry: 12% outperformed.

3.93
0.00

Dividend

Dividend Rating

5

Compared to an average S&P500 Dividend Yield of 2.41, BAP pays a bit more dividend than the S&P500 average.
34.52% of the earnings are spent on dividend by BAP. This is a low number and sustainable payout ratio.
BAP has been paying a dividend for at least 10 years, so it has a reliable track record.

BAP has a Yearly Dividend Yield of 2.96%.
BAP's Dividend Yield is slightly below the industry average, which is at 3.18.
The dividend of BAP decreases each year by -29.87%.
VS Industry

Dividend Yield (2.96%) VS Industry: 40% outperformed.

0.09
19.43

CREDICORP LTD135.73

NYSE:BAP (2/3/2023, 7:26:43 PM)+0.53 (+0.39%)

After market: 135.73 0 (0%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Banks
GICS Industry Banks
Earnings (Last) 11-03 2022-11-03/amc Earnings (Next) 02-09 2023-02-09/amc
Inst Owners 69.77% Inst Owner Change 0.1%
Ins Owners N/A Ins Owner Change N/A
Market Cap 10.79B Analysts 75.29
Price Target 161.47 (18.96%)

Dividend
Industry RankSector Rank
Dividend Yield 2.96%
Dividend Growth(5Y) -29.87% DP 34.52%
Div Incr Years 1 Div Non Decr Years 1
Ex-Date N/A

Surprises & Revisions
EPS beat(2) 1 Avg EPS beat(2) 1.75%
Min EPS beat(2) -3.61% Max EPS beat(2) 7.12%
EPS beat(4) 2 Avg EPS beat(4) 1.94%
Min EPS beat(4) -3.61% Max EPS beat(4) 7.12%
Revenue beat(2) 2 Avg Revenue beat(2) 16.97%
Min Revenue beat(2) 16.05% Max Revenue beat(2) 17.88%
Revenue beat(4) 4 Avg Revenue beat(4) 16.83%
Min Revenue beat(4) 14.52% Max Revenue beat(4) 18.88%
PT rev (1m) 0.9% PT rev (3m) 13.34%
EPS NQ rev (1m) -1.6% EPS NQ rev (3m) 4.41%
EPS NY rev (1m) 0% EPS NY rev (3m) 9.92%
Revenue NQ rev (1m) 0.26% Revenue NQ rev (3m) 2.09%
Revenue NY rev (1m) 0% Revenue NY rev (3m) 2.79%

Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM) N/A EY N/A
EPS(NY) N/A Fwd EY N/A
FCF(TTM) N/A FCFY N/A
OCF(TTM) N/A OCFY N/A
SpS N/A BVpS N/A
TBVpS N/A PEG (NY) N/A
PEG (5Y) N/A

Profitability
Industry RankSector Rank
ROA 1.89%
ROE 17.05%
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM 24.34%
GM N/A
ROICexgc(3y) N/A ROICexcg growth 3Y N/A
ROICexcg growth 5Y N/A ROICexc(3y) N/A
ROICexc growth 3Y N/A ROICexc growth 5Y N/A
OM growth 3Y N/A OM growth 5Y N/A
PM growth 3Y -7.35% PM growth 5Y -3.52%
GM growth 3Y N/A GM growth 5Y N/A
F-Score 5 Asset Turnover 0.08

Health
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 12.73
Debt/EBITDA N/A
Cap/Depr 99.29%
Profit Quality 43.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score 5 WACC N/A
ROIC/WACC N/A Cap/Depr(3y) 88.53%
Cap/Depr(5y) 100.16% Profit Quality(3y) 1239.15%
Profit Quality(5y) N/A

Growth
EPS 1Y 45.25% EPS 3Y -3.46%
EPS 5Y 0.68% EPS growth Q2Q 11.93%
EPS Next Y 33.41% EPS Next 2Y 22.35%
EPS Next 3Y 16.63% EPS Next 5Y 17.74%
Revenue growth 1Y 13.87% Revenue growth 3Y 4.2%
Revenue growth 5Y 4.05% Revenue growth Q2Q 16.66%
Revenue Next Year 18.2% Revenue Next 2Y 14.23%
Revenue Next 3Y 11.8% Revenue Next 5Y N/A
EBIT growth 1Y N/A EBIT growth 3Y N/A
EBIT growth 5Y N/A EBIT Next Year N/A
EBIT Next 3Y N/A EBIT Next 5Y N/A
FCF growth 1Y -85.16% FCF growth 3Y N/A
FCF growth 5Y N/A OCF growth 1Y -80.73%
OCF growth 3Y N/A OCF growth 5Y N/A

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