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CREDICORP LTD (BAP) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:BAP - BMG2519Y1084 - Common Stock

255.87 USD
+4.22 (+1.68%)
Last: 11/26/2025, 8:16:48 PM
255.821 USD
-0.05 (-0.02%)
After Hours: 11/26/2025, 8:16:48 PM
Fundamental Rating

4

Taking everything into account, BAP scores 4 out of 10 in our fundamental rating. BAP was compared to 387 industry peers in the Banks industry. While BAP is still in line with the averages on profitability rating, there are concerns on its financial health. BAP is quite expensive at the moment. It does show a decent growth rate. BAP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past 5 years BAP has always been profitable.
Of the past 5 years BAP 4 years had a positive operating cash flow.
BAP Yearly Net Income VS EBIT VS OCF VS FCFBAP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

1.2 Ratios

Looking at the Return On Assets, with a value of 2.51%, BAP belongs to the top of the industry, outperforming 98.97% of the companies in the same industry.
BAP has a Return On Equity of 18.14%. This is amongst the best in the industry. BAP outperforms 97.42% of its industry peers.
Industry RankSector 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
BAP Yearly ROA, ROE, ROICBAP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BAP has a better Profit Margin (26.45%) than 64.08% of its industry peers.
BAP's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for BAP so they could not be analyzed.
Industry RankSector 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
BAP Yearly Profit, Operating, Gross MarginsBAP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

BAP has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, BAP has less shares outstanding
Compared to 1 year ago, BAP has an improved debt to assets ratio.
BAP Yearly Shares OutstandingBAP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
BAP Yearly Total Debt VS Total AssetsBAP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B 250B

2.2 Solvency

BAP has a debt to FCF ratio of 1.72. This is a very positive value and a sign of high solvency as it would only need 1.72 years to pay back of all of its debts.
BAP has a Debt to FCF ratio (1.72) which is in line with its industry peers.
BAP has a Debt/Equity ratio of 1.00. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BAP (1.00) is worse than 84.50% of its industry peers.
Although BAP does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 1
Debt/FCF 1.72
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BAP Yearly LT Debt VS Equity VS FCFBAP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BAP Yearly Current Assets VS Current LiabilitesBAP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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5

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.
The Revenue has grown by 10.19% in the past year. This is quite good.
Measured over the past years, BAP shows a small growth in Revenue. The Revenue has been growing by 6.28% on average per year.
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

The Earnings Per Share is expected to grow by 13.96% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.66% on average over the next years.
EPS Next Y24.81%
EPS Next 2Y16.41%
EPS Next 3Y13.96%
EPS Next 5YN/A
Revenue Next Year5.01%
Revenue Next 2Y6.25%
Revenue Next 3Y6.66%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
BAP Yearly Revenue VS EstimatesBAP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B 25B
BAP Yearly EPS VS EstimatesBAP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20 40 60 80 100

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
BAP Price Earnings VS Forward Price EarningsBAP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BAP Per share dataBAP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

BAP's earnings are expected to grow with 13.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y16.41%
EPS Next 3Y13.96%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.37%, BAP is a good candidate for dividend investing.
BAP's Dividend Yield is rather good when compared to the industry average which is at 3.33. BAP pays more dividend than 82.95% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, BAP pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.37%

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
BAP Yearly Dividends per shareBAP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

5.3 Sustainability

BAP pays out 66.66% of its income as dividend. This is not a sustainable payout ratio.
BAP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP66.66%
EPS Next 2Y16.41%
EPS Next 3Y13.96%
BAP Yearly Income VS Free CF VS DividendBAP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B
BAP Dividend Payout.BAP Dividend Payout, showing the Payout Ratio.BAP Dividend Payout.PayoutRetained Earnings

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CREDICORP LTD

NYSE:BAP (11/26/2025, 8:16:48 PM)

After market: 255.821 -0.05 (-0.02%)

255.87

+4.22 (+1.68%)

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 Owners78.37%
Inst Owner Change-1.67%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap20.31B
Revenue(TTM)22.25B
Net Income(TTM)6.25B
Analysts77.5
Price Target265.11 (3.61%)
Short Float %1.19%
Short Ratio2.76
Dividend
Industry RankSector Rank
Dividend Yield 4.37%
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)0.78%
PT rev (3m)6.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.91%
EPS NY rev (1m)0%
EPS NY rev (3m)2.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.36%
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
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 RankSector 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 RankSector 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 Y24.81%
EPS Next 2Y16.41%
EPS Next 3Y13.96%
EPS Next 5YN/A
Revenue 1Y (TTM)10.19%
Revenue growth 3Y9.48%
Revenue growth 5Y6.28%
Sales Q2Q%-4.3%
Revenue Next Year5.01%
Revenue Next 2Y6.25%
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.