CREDICORP LTD (BAP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BAP - BMG2519Y1084 - Common Stock
255.87 USD
+4.22 (+1.68%)
255.821 USD
-0.05 (-0.02%)
Overall BAP gets a fundamental rating of 4 out of 10. We evaluated BAP against 387 industry peers in the Banks industry. BAP has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, BAP is valued expensive at the moment. Finally BAP also has an excellent dividend rating.
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
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 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
The Profit Margin of BAP (26.45%) is better than 64.08% of its industry peers.
BAP's Profit Margin has been stable in the last couple of years.
BAP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
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.
The debt/assets ratio for BAP has been reduced compared to a year ago.
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 has a Debt to FCF ratio of 1.72. This is comparable to the rest of the industry: BAP outperforms 53.49% 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.
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 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 |
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%.
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
Based on estimates for the next years, BAP will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.96% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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 13.96% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y16.41%
EPS Next 3Y13.96%
5. Dividend
5.1 Amount
BAP has a Yearly Dividend Yield of 4.37%, which is a nice return.
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.
BAP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.37% |
5.2 History
On average, the dividend of BAP grows each year by 10.42%, which is quite nice.
BAP has been paying a dividend for at least 10 years, so it has a reliable track record.
BAP has decreased its dividend recently.
Dividend Growth(5Y)10.42%
Div Incr Years1
Div Non Decr Years1
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%
255.87
+4.22 (+1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.37% |
Yearly DividendN/A
Dividend Growth(5Y)10.42%
DP66.66%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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 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 Y24.81%
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.