Logo image of BAP

CREDICORP LTD (BAP) Stock Fundamental Analysis

NYSE:BAP - New York Stock Exchange, Inc. - BMG2519Y1084 - Common Stock - Currency: USD

234.93  -2.19 (-0.92%)

Fundamental Rating

3

Taking everything into account, BAP scores 3 out of 10 in our fundamental rating. BAP was compared to 396 industry peers in the Banks industry. BAP has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, BAP is valued expensive at the moment. BAP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

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

BAP's Return On Assets of 2.27% is amongst the best of the industry. BAP outperforms 96.97% of its industry peers.
BAP has a Return On Equity of 16.09%. This is amongst the best in the industry. BAP outperforms 94.44% of its industry peers.
Industry RankSector Rank
ROA 2.27%
ROE 16.09%
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

The Profit Margin of BAP (25.12%) is comparable to the rest of the industry.
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 RankSector Rank
OM N/A
PM (TTM) 25.12%
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

More info and screens

2

2. Health

2.1 Basic Checks

The number of shares outstanding for BAP remains at a similar level compared to 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

The Debt to FCF ratio of BAP is 2.73, which is a good value as it means it would take BAP, 2.73 years of fcf income to pay off all of its debts.
BAP has a Debt to FCF ratio of 2.73. This is in the lower half of the industry: BAP underperforms 60.86% of its industry peers.
BAP has a Debt/Equity ratio of 0.99. This is a neutral value indicating BAP is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.99, BAP is doing worse than 85.61% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF 2.73
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

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.64% over the past year.
BAP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.23% yearly.
The Revenue has grown by 11.37% 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)15.64%
EPS 3Y15.38%
EPS 5Y5.23%
EPS Q2Q%17.75%
Revenue 1Y (TTM)11.37%
Revenue growth 3Y9.48%
Revenue growth 5Y6.28%
Sales Q2Q%-0.63%

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 12.75% on average per year.
Based on estimates for the next years, BAP will show a small growth in Revenue. The Revenue will grow by 6.13% on average per year.
EPS Next Y20.88%
EPS Next 2Y14.59%
EPS Next 3Y12.75%
EPS Next 5YN/A
Revenue Next Year5.46%
Revenue Next 2Y5.76%
Revenue Next 3Y6.13%
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

More info and screens

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

A more expensive valuation may be justified as BAP's earnings are expected to grow with 12.75% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y14.59%
EPS Next 3Y12.75%

More info and screens

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.81%, BAP is a good candidate for dividend investing.
BAP's Dividend Yield is rather good when compared to the industry average which is at 3.31. BAP pays more dividend than 86.87% of the companies in the same industry.
BAP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 4.81%

5.2 History

On average, the dividend of BAP grows each year by 10.42%, which is quite nice.
BAP has paid a dividend for at least 10 years, which is a reliable track record.
BAP has decreased its dividend 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

65.43% of the earnings are spent on dividend by BAP. This is not a sustainable payout ratio.
BAP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP65.43%
EPS Next 2Y14.59%
EPS Next 3Y12.75%
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

More info and screens

CREDICORP LTD

NYSE:BAP (7/25/2025, 3:31:45 PM)

234.93

-2.19 (-0.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-16 2025-05-16/bmo
Earnings (Next)08-14 2025-08-14/amc
Inst Owners76.5%
Inst Owner Change-0.09%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap18.65B
Analysts77.5
Price Target234.23 (-0.3%)
Short Float %1.21%
Short Ratio2.48
Dividend
Industry RankSector Rank
Dividend Yield 4.81%
Yearly DividendN/A
Dividend Growth(5Y)10.42%
DP65.43%
Div Incr Years1
Div Non Decr Years1
Ex-Date05-19 2025-05-19 (10.84)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.79%
Min EPS beat(2)-14.67%
Max EPS beat(2)11.09%
EPS beat(4)2
Avg EPS beat(4)-0.64%
Min EPS beat(4)-14.67%
Max EPS beat(4)11.09%
EPS beat(8)4
Avg EPS beat(8)2.75%
EPS beat(12)6
Avg EPS beat(12)1.7%
EPS beat(16)8
Avg EPS beat(16)2.61%
Revenue beat(2)0
Avg Revenue beat(2)-10%
Min Revenue beat(2)-12.55%
Max Revenue beat(2)-7.46%
Revenue beat(4)0
Avg Revenue beat(4)-7.5%
Min Revenue beat(4)-12.55%
Max Revenue beat(4)-4.84%
Revenue beat(8)0
Avg Revenue beat(8)-5.88%
Revenue beat(12)3
Avg Revenue beat(12)0.06%
Revenue beat(16)7
Avg Revenue beat(16)4.77%
PT rev (1m)7.54%
PT rev (3m)10.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.23%
EPS NY rev (1m)0%
EPS NY rev (3m)2.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.09%
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
Profitability
Industry RankSector Rank
ROA 2.27%
ROE 16.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.12%
GM N/A
FCFM 56.55%
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
ROICexcg growth 3YN/A
ROICexcg 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 0.99
Debt/FCF 2.73
Debt/EBITDA N/A
Cap/Depr 188.54%
Cap/Sales 5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 225.14%
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)15.64%
EPS 3Y15.38%
EPS 5Y5.23%
EPS Q2Q%17.75%
EPS Next Y20.88%
EPS Next 2Y14.59%
EPS Next 3Y12.75%
EPS Next 5YN/A
Revenue 1Y (TTM)11.37%
Revenue growth 3Y9.48%
Revenue growth 5Y6.28%
Sales Q2Q%-0.63%
Revenue Next Year5.46%
Revenue Next 2Y5.76%
Revenue Next 3Y6.13%
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 1Y3228.85%
FCF growth 3Y59.05%
FCF growth 5Y15.85%
OCF growth 1Y2737.77%
OCF growth 3Y54.04%
OCF growth 5Y15.93%