CREDICORP LTD(NYSE:BAP) stock Fundamental Analysis

Fundamental Rating

Overall BAP gets a fundamental rating of 3 out of 10. We evaluated BAP against 398 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.

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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.

1.2 Ratios

BAP's Return On Assets of 2.15% is amongst the best of the industry. BAP outperforms 96.48% of its industry peers.

The Return On Equity of BAP (16.02%) is better than 94.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.15%
ROE	16.02%
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's Profit Margin of 24.42% is in line compared to the rest of the industry. BAP outperforms 56.53% 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)	24.42%
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.

The number of shares outstanding for BAP has been reduced compared to 5 years ago.

Compared to 1 year ago, BAP has an improved debt to assets ratio.

2.2 Solvency

BAP has a debt to FCF ratio of 2.80. This is a good value and a sign of high solvency as BAP would need 2.80 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 2.80, BAP is in line with its industry, outperforming 40.70% of the companies in the same industry.

BAP has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.

BAP has a Debt to Equity ratio of 1.09. This is amonst the worse of the industry: BAP underperforms 86.18% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.09
Debt/FCF	2.8
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 nice 13.20% 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 14.15% in the past year. This is quite good.

BAP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.28% yearly.

EPS 1Y (TTM)13.2%

EPS 3Y15.38%

EPS 5Y5.23%

EPS Q2Q%33.22%

Revenue 1Y (TTM)14.15%

Revenue growth 3Y9.48%

Revenue growth 5Y6.28%

Sales Q2Q%2.92%

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 11.69% on average per year.

Based on estimates for the next years, BAP will show a small growth in Revenue. The Revenue will grow by 6.44% on average per year.

EPS Next Y17.93%

EPS Next 2Y14.21%

EPS Next 3Y11.69%

EPS Next 5YN/A

Revenue Next Year5.85%

Revenue Next 2Y5.97%

Revenue Next 3Y6.44%

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.

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.

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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

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y14.21%

EPS Next 3Y11.69%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.68%, BAP is a good candidate for dividend investing.

BAP's Dividend Yield is rather good when compared to the industry average which is at 3.50. BAP pays more dividend than 81.66% of the companies in the same industry.

BAP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	4.68%

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 66.61% of its income as dividend. This is not a sustainable payout ratio.

BAP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP66.61%

EPS Next 2Y14.21%

EPS Next 3Y11.69%

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CREDICORP LTD

NYSE:BAP (5/2/2025, 8:04:00 PM)

After market: 201.21 0 (0%)

201.21

+3.21 (+1.62%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-11 2025-02-11/bmo

Earnings (Next)05-15 2025-05-15/amc

Inst Owners80.75%

Inst Owner Change-1.89%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap18.99B

Analysts75.38

Price Target211.27 (5%)

Short Float %1.35%

Short Ratio2.8

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.68%

Yearly DividendN/A

Dividend Growth(5Y)10.42%

DP66.61%

Div Incr Years1

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-3.2%

Min EPS beat(2)-14.67%

Max EPS beat(2)8.26%

EPS beat(4)2

Avg EPS beat(4)2.69%

Min EPS beat(4)-14.67%

Max EPS beat(4)24.39%

EPS beat(8)4

Avg EPS beat(8)2.31%

EPS beat(12)5

Avg EPS beat(12)0.65%

EPS beat(16)7

Avg EPS beat(16)1.81%

Revenue beat(2)0

Avg Revenue beat(2)-6.3%

Min Revenue beat(2)-7.46%

Max Revenue beat(2)-5.15%

Revenue beat(4)0

Avg Revenue beat(4)-5.01%

Min Revenue beat(4)-7.46%

Max Revenue beat(4)-2.59%

Revenue beat(8)0

Avg Revenue beat(8)-4.83%

Revenue beat(12)4

Avg Revenue beat(12)2.31%

Revenue beat(16)8

Avg Revenue beat(16)6.47%

PT rev (1m)0%

PT rev (3m)0.99%

EPS NQ rev (1m)1.12%

EPS NQ rev (3m)-2.39%

EPS NY rev (1m)0.57%

EPS NY rev (3m)0.07%

Revenue NQ rev (1m)-0.18%

Revenue NQ rev (3m)1.52%

Revenue NY rev (1m)-0.02%

Revenue NY rev (3m)-0.99%

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

Profitability

		Industry Rank	Sector Rank
ROA	2.15%
ROE	16.02%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.42%
GM	N/A
FCFM	59.53%

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-Score7

Asset Turnover0.09

Health

		Industry Rank	Sector Rank
Debt/Equity	1.09
Debt/FCF	2.8
Debt/EBITDA	N/A
Cap/Depr	153.82%
Cap/Sales	4.93%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	243.78%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

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)13.2%

EPS 3Y15.38%

EPS 5Y5.23%

EPS Q2Q%33.22%

EPS Next Y17.93%

EPS Next 2Y14.21%

EPS Next 3Y11.69%

EPS Next 5YN/A

Revenue 1Y (TTM)14.15%

Revenue growth 3Y9.48%

Revenue growth 5Y6.28%

Sales Q2Q%2.92%

Revenue Next Year5.85%

Revenue Next 2Y5.97%

Revenue Next 3Y6.44%

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 1Y357.93%

FCF growth 3Y59.05%

FCF growth 5Y15.85%

OCF growth 1Y255.96%

OCF growth 3Y54.04%

OCF growth 5Y15.93%

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