BAP Fundamental Analysis - CREDICORP LTD

Fundamental Rating

BAP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. There are concerns on the financial health of BAP while its profitability can be described as average. BAP is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past 5 years BAP has always been profitable.

BAP had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of BAP (2.51%) is better than 98.71% of its industry peers.

BAP has a better Return On Equity (18.14%) than 97.68% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.51%
ROE	18.14%
ROIC	N/A

ROA(3y)2.05%

ROA(5y)1.55%

ROE(3y)15.66%

ROE(5y)12.38%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BAP has a better Profit Margin (26.45%) than 63.40% of its industry peers.

In the last couple of years the Profit Margin of BAP has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for BAP so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.45%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y5.36%

PM growth 5Y-1%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, BAP has about the same amount of shares outstanding.

BAP has less shares outstanding than it did 5 years ago.

BAP has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of BAP is 1.72, which is an excellent value as it means it would take BAP, only 1.72 years of fcf income to pay off all of its debts.

BAP's Debt to FCF ratio of 1.72 is in line compared to the rest of the industry. BAP outperforms 52.58% of its industry peers.

BAP has a Debt/Equity ratio of 1.00. This is a high value indicating a heavy dependency on external financing.

BAP has a worse Debt to Equity ratio (1.00) than 84.79% of its industry peers.

Even though the debt/equity ratio score it not favorable for BAP, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	1
Debt/FCF	1.72
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.65% over the past year.

The Earnings Per Share has been growing slightly by 5.23% on average over the past years.

BAP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.19%.

The Revenue has been growing slightly by 6.28% on average over the past years.

EPS 1Y (TTM)23.65%

EPS 3Y15.38%

EPS 5Y5.23%

EPS Q2Q%13.66%

Revenue 1Y (TTM)10.19%

Revenue growth 3Y9.48%

Revenue growth 5Y6.28%

Sales Q2Q%-4.3%

3.2 Future

Based on estimates for the next years, BAP will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.11% on average per year.

The Revenue is expected to grow by 6.66% on average over the next years.

EPS Next Y24.67%

EPS Next 2Y16.62%

EPS Next 3Y14.11%

EPS Next 5YN/A

Revenue Next Year4.6%

Revenue Next 2Y6.19%

Revenue Next 3Y6.66%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as BAP's earnings are expected to grow with 14.11% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y16.62%

EPS Next 3Y14.11%

More info and screens

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5. Dividend

5.1 Amount

BAP has a Yearly Dividend Yield of 3.86%.

BAP's Dividend Yield is rather good when compared to the industry average which is at 2.74. BAP pays more dividend than 80.41% of the companies in the same industry.

BAP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.

		Industry Rank	Sector Rank
Dividend Yield	3.86%

5.2 History

The dividend of BAP is nicely growing with an annual growth rate of 10.42%!

BAP has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of BAP decreased recently.

Dividend Growth(5Y)10.42%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

66.66% of the earnings are spent on dividend by BAP. This is not a sustainable payout ratio.

The dividend of BAP is growing, but earnings are growing more, so the dividend growth is sustainable.

DP66.66%

EPS Next 2Y16.62%

EPS Next 3Y14.11%

More info and screens

Find the best dividend stocks

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CREDICORP LTD

NYSE:BAP (12/26/2025, 11:28:57 AM)

289.98

+0.53 (+0.18%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-13 2025-11-13/amc

Earnings (Next)02-12 2026-02-12/amc

Inst Owners80.11%

Inst Owner Change1.39%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap23.02B

Revenue(TTM)22.25B

Net Income(TTM)6.25B

Analysts80

Price TargetN/A

Short Float %1.18%

Short Ratio2.83

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.86%

Yearly DividendN/A

Dividend Growth(5Y)10.42%

DP66.66%

Div Incr Years1

Div Non Decr Years1

Ex-Date05-19 2025-05-19 (11.0111)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.98%

Min EPS beat(2)6.86%

Max EPS beat(2)11.09%

EPS beat(4)3

Avg EPS beat(4)2.89%

Min EPS beat(4)-14.67%

Max EPS beat(4)11.09%

EPS beat(8)4

Avg EPS beat(8)2.71%

EPS beat(12)7

Avg EPS beat(12)2.57%

EPS beat(16)9

Avg EPS beat(16)3.63%

Revenue beat(2)0

Avg Revenue beat(2)-12.71%

Min Revenue beat(2)-12.86%

Max Revenue beat(2)-12.55%

Revenue beat(4)0

Avg Revenue beat(4)-9.5%

Min Revenue beat(4)-12.86%

Max Revenue beat(4)-5.15%

Revenue beat(8)0

Avg Revenue beat(8)-6.9%

Revenue beat(12)2

Avg Revenue beat(12)-2.35%

Revenue beat(16)6

Avg Revenue beat(16)2.54%

PT rev (1m)7.25%

PT rev (3m)12.9%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.07%

EPS NY rev (1m)-0.11%

EPS NY rev (3m)2.03%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.57%

Revenue NY rev (1m)-0.39%

Revenue NY rev (3m)0.27%

Valuation

		Industry Rank	Sector 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

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpSN/A

BVpSN/A

TBVpSN/A

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	2.51%
ROE	18.14%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.45%
GM	N/A
FCFM	84.95%

ROA(3y)2.05%

ROA(5y)1.55%

ROE(3y)15.66%

ROE(5y)12.38%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y5.36%

PM growth 5Y-1%

GM growth 3YN/A

GM growth 5YN/A

F-Score9

Asset Turnover0.09

Health

		Industry Rank	Sector Rank
Debt/Equity	1
Debt/FCF	1.72
Debt/EBITDA	N/A
Cap/Depr	178.3%
Cap/Sales	4.9%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	321.13%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)152.01%

Cap/Depr(5y)128.46%

Cap/Sales(3y)5.1%

Cap/Sales(5y)4.63%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)23.65%

EPS 3Y15.38%

EPS 5Y5.23%

EPS Q2Q%13.66%

EPS Next Y24.67%

EPS Next 2Y16.62%

EPS Next 3Y14.11%

EPS Next 5YN/A

Revenue 1Y (TTM)10.19%

Revenue growth 3Y9.48%

Revenue growth 5Y6.28%

Sales Q2Q%-4.3%

Revenue Next Year4.6%

Revenue Next 2Y6.19%

Revenue Next 3Y6.66%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y350.94%

FCF growth 3Y59.05%

FCF growth 5Y15.85%

OCF growth 1Y293.26%

OCF growth 3Y54.04%

OCF growth 5Y15.93%

CREDICORP LTD / BAP FAQ

What is the ChartMill fundamental rating of CREDICORP LTD (BAP) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BAP.

Can you provide the valuation status for CREDICORP LTD?

ChartMill assigns a valuation rating of 0 / 10 to CREDICORP LTD (BAP). This can be considered as Overvalued.

What is the profitability of BAP stock?

CREDICORP LTD (BAP) has a profitability rating of 4 / 10.

Can you provide the financial health for BAP stock?

The financial health rating of CREDICORP LTD (BAP) is 3 / 10.

CREDICORP LTD (BAP) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

CREDICORP LTD / BAP FAQ

What is the ChartMill fundamental rating of CREDICORP LTD (BAP) stock?

Can you provide the valuation status for CREDICORP LTD?

What is the profitability of BAP stock?

Can you provide the financial health for BAP stock?