CREDICORP LTD (BAP) Fundamental Analysis & Valuation

NYSE:BAP • BMG2519Y1084

Current stock price

339.98 USD
-1.28 (-0.38%)
At close:
339.98 USD
0 (0%)
After Hours:

This BAP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BAP Profitability Analysis

1.1 Basic Checks

  • Each year in the past 5 years BAP has 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

1.2 Ratios

  • BAP's Return On Assets of 2.59% is amongst the best of the industry. BAP outperforms 99.21% of its industry peers.
  • BAP has a better Return On Equity (18.05%) than 96.84% of its industry peers.
Industry RankSector Rank
ROA 2.59%
ROE 18.05%
ROIC N/A
ROA(3y)2.26%
ROA(5y)2.04%
ROE(3y)16.35%
ROE(5y)15.71%
ROIC(3y)N/A
ROIC(5y)N/A
BAP Yearly ROA, ROE, ROICBAP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of BAP (27.92%) is better than 64.21% of its industry peers.
  • BAP's Profit Margin has improved 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) 27.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.6%
PM growth 5Y65.49%
GM growth 3YN/A
GM growth 5YN/A
BAP Yearly Profit, Operating, Gross MarginsBAP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. BAP Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, BAP has about the same amount of shares outstanding.
  • BAP has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, BAP has an improved debt to assets ratio.
BAP Yearly Shares OutstandingBAP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
BAP Yearly Total Debt VS Total AssetsBAP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B 250B

2.2 Solvency

  • The Debt to FCF ratio of BAP is 4.04, which is a neutral value as it means it would take BAP, 4.04 years of fcf income to pay off all of its debts.
  • BAP has a Debt to FCF ratio of 4.04. This is in the lower half of the industry: BAP underperforms 66.05% of its industry peers.
  • BAP has a Debt/Equity ratio of 0.86. This is a neutral value indicating BAP is somewhat dependend on debt financing.
  • BAP's Debt to Equity ratio of 0.86 is on the low side compared to the rest of the industry. BAP is outperformed by 83.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF 4.04
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BAP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 25.81% over the past year.
  • Measured over the past years, BAP shows a very strong growth in Earnings Per Share. The EPS has been growing by 81.81% on average per year.
  • Looking at the last year, BAP shows a quite strong growth in Revenue. The Revenue has grown by 10.11% in the last year.
  • Measured over the past years, BAP shows a quite strong growth in Revenue. The Revenue has been growing by 9.97% on average per year.
EPS 1Y (TTM)25.81%
EPS 3Y14.38%
EPS 5Y81.81%
EPS Q2Q%41.42%
Revenue 1Y (TTM)10.11%
Revenue growth 3Y8.28%
Revenue growth 5Y9.97%
Sales Q2Q%2.26%

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 11.96% on average per year.
  • The Revenue is expected to grow by 7.94% on average over the next years.
EPS Next Y14.58%
EPS Next 2Y13.73%
EPS Next 3Y11.96%
EPS Next 5YN/A
Revenue Next Year14.62%
Revenue Next 2Y11.66%
Revenue Next 3Y7.94%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BAP Yearly Revenue VS EstimatesBAP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
BAP Yearly EPS VS EstimatesBAP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20 40 60 80 100

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0

4. BAP Valuation Analysis

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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13.73%
EPS Next 3Y11.96%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BAP Dividend Analysis

5.1 Amount

  • BAP has a Yearly Dividend Yield of 3.30%.
  • BAP's Dividend Yield is a higher than the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.88, BAP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.3%

5.2 History

  • The dividend of BAP has a limited annual growth rate of 5.89%.
  • BAP has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of BAP decreased recently.
Dividend Growth(5Y)5.89%
Div Incr Years1
Div Non Decr Years1
BAP Yearly Dividends per shareBAP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

5.3 Sustainability

  • BAP pays out 45.94% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • BAP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.94%
EPS Next 2Y13.73%
EPS Next 3Y11.96%
BAP Yearly Income VS Free CF VS DividendBAP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B
BAP Dividend Payout.BAP Dividend Payout, showing the Payout Ratio.BAP Dividend Payout.PayoutRetained Earnings

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BAP Fundamentals: All Metrics, Ratios and Statistics

CREDICORP LTD

NYSE:BAP (4/2/2026, 8:09:11 PM)

After market: 339.98 0 (0%)

339.98

-1.28 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-14
Inst Owners80.77%
Inst Owner Change2.16%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap26.98B
Revenue(TTM)24.80B
Net Income(TTM)6.93B
Analysts80
Price Target322.07 (-5.27%)
Short Float %1.79%
Short Ratio2.37
Dividend
Industry RankSector Rank
Dividend Yield 3.3%
Yearly DividendN/A
Dividend Growth(5Y)5.89%
DP45.94%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.99%
Min EPS beat(2)-9.44%
Max EPS beat(2)-0.53%
EPS beat(4)2
Avg EPS beat(4)2%
Min EPS beat(4)-9.44%
Max EPS beat(4)11.09%
EPS beat(8)4
Avg EPS beat(8)2.34%
EPS beat(12)6
Avg EPS beat(12)2.2%
EPS beat(16)7
Avg EPS beat(16)0.99%
Revenue beat(2)0
Avg Revenue beat(2)-14.55%
Min Revenue beat(2)-15.1%
Max Revenue beat(2)-13.99%
Revenue beat(4)0
Avg Revenue beat(4)-13.63%
Min Revenue beat(4)-15.1%
Max Revenue beat(4)-12.55%
Revenue beat(8)0
Avg Revenue beat(8)-9.32%
Revenue beat(12)0
Avg Revenue beat(12)-7.76%
Revenue beat(16)4
Avg Revenue beat(16)-1.67%
PT rev (1m)1.47%
PT rev (3m)11.94%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)3.4%
EPS NY rev (1m)3.14%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.44%
Revenue NY rev (1m)4.15%
Revenue NY rev (3m)4.64%
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 2.59%
ROE 18.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.92%
GM N/A
FCFM 32.9%
ROA(3y)2.26%
ROA(5y)2.04%
ROE(3y)16.35%
ROE(5y)15.71%
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 3Y5.6%
PM growth 5Y65.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF 4.04
Debt/EBITDA N/A
Cap/Depr 37.53%
Cap/Sales 1.35%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)121.3%
Cap/Depr(5y)117.27%
Cap/Sales(3y)4.02%
Cap/Sales(5y)4.08%
Profit Quality(3y)140.6%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.81%
EPS 3Y14.38%
EPS 5Y81.81%
EPS Q2Q%41.42%
EPS Next Y14.58%
EPS Next 2Y13.73%
EPS Next 3Y11.96%
EPS Next 5YN/A
Revenue 1Y (TTM)10.11%
Revenue growth 3Y8.28%
Revenue growth 5Y9.97%
Sales Q2Q%2.26%
Revenue Next Year14.62%
Revenue Next 2Y11.66%
Revenue Next 3Y7.94%
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 1Y-39.14%
FCF growth 3YN/A
FCF growth 5Y-7.5%
OCF growth 1Y-41.49%
OCF growth 3YN/A
OCF growth 5Y-7.71%

CREDICORP LTD / BAP Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to BAP.


What is the valuation status for BAP stock?

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


How profitable is CREDICORP LTD (BAP) stock?

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


Can you provide the expected EPS growth for BAP stock?

The Earnings per Share (EPS) of CREDICORP LTD (BAP) is expected to grow by 14.58% in the next year.