CREDICORP LTD (BAP) 135.73 +0.53 (+0.39%)
135.73 +0.53 (+0.39%)
BMG2519Y1084 - Common Stock - After market: 135.73 0 (0%)
Fundamental Rating
Taking everything into account, BAP scores 4 out of 10 in our fundamental rating. BAP was compared to 334 industry peers in the Banks industry. While BAP is still in line with the averages on profitability rating, there are some concerns on its financial health. BAP is valued quite expensive, but it does show an excellent growth.
Note: BAP has only limited data available, so a full analysis was not possible, which makes the total rating unfair.
Profitability
Profitability Rating
BAP has a Return On Assets of 1.89%. This is amongst the best returns in the industry. The industry average is 1.11%. BAP outperforms 95% of its industry peers.
BAP has a Return On Equity of 17.05%. This is amongst the best returns in the industry. The industry average is 12.37%. BAP outperforms 84% of its industry peers.
BAP has a Piotroski-F score of 5.00. This indicates an average health and profitability for BAP.
BAP has a Profit Margin of 24.34%. This is below the industry average of 29.84%.
VS Industry
ROA (1.89%) VS Industry: 95% outperformed.
0.15
7.28
ROE (17.05%) VS Industry: 84% outperformed.
3.45
50.89
Profit Margin (24.34%) VS Industry: 22% outperformed.
6.02
51.15
Valuation
Valuation Rating
VS Industry
Growth
Growth Rating
The Earnings Per Share has grown by an impressive 45.25% over the past year.
The Earnings Per Share is expected to grow by 17.74% on average over the next 5 years. This is quite good.
The EPS growth is accelerating: in the next 5 years the growth will be better than in the last years.
BAP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.87%.
The Revenue is expected to grow by 11.80% on average over the next 5 years. This is quite good.
The Revenue growth is accelerating: in the next 5 years the growth will be better than in the last years.
Measured over the past 5 years, BAP shows a small growth in Earnings Per Share. The EPS has been growing by 0.68% on average per year.
BAP shows a small growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 4.05% yearly.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 0.68% | -3.46% | 45.25% | 33.41% | 22.35% | 16.63% | 17.74% |
| Revenue | 4.05% | 4.2% | 13.87% | 18.2% | 14.23% | 11.8% | N/A |
Health
Health Rating
The Piotroski-F score of BAP is 5.00. This is a neutral score and indicates average health and profitability for BAP.
Compared to an average industry Debt to Equity Ratio of 0.20, BAP is requires more financing than its industry peers. 88% of its industry peers have a better Debt to Equity Ratio.
VS Industry
Debt/Equity (0.94) VS Industry: 12% outperformed.
3.93
0.00
Dividend
Dividend Rating
Compared to an average S&P500 Dividend Yield of 2.41, BAP pays a bit more dividend than the S&P500 average.
34.52% of the earnings are spent on dividend by BAP. This is a low number and sustainable payout ratio.
BAP has been paying a dividend for at least 10 years, so it has a reliable track record.
BAP has a Yearly Dividend Yield of 2.96%.
BAP's Dividend Yield is slightly below the industry average, which is at 3.18.
The dividend of BAP decreases each year by -29.87%.
VS Industry
Dividend Yield (2.96%) VS Industry: 40% outperformed.
0.09
19.43
CREDICORP LTD135.73
NYSE:BAP (2/3/2023, 7:26:43 PM)+0.53 (+0.39%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Banks | ||
| GICS Industry | Banks | ||
| Earnings (Last) | 11-03 2022-11-03/amc | Earnings (Next) | 02-09 2023-02-09/amc |
| Inst Owners | 69.77% | Inst Owner Change | 0.1% |
| Ins Owners | N/A | Ins Owner Change | N/A |
| Market Cap | 10.79B | Analysts | 75.29 |
| Price Target | 161.47 (18.96%) | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.96% |
| Dividend Growth(5Y) | -29.87% | DP | 34.52% |
| Div Incr Years | 1 | Div Non Decr Years | 1 |
| Ex-Date | N/A | ||
| EPS beat(2) | 1 | Avg EPS beat(2) | 1.75% |
| Min EPS beat(2) | -3.61% | Max EPS beat(2) | 7.12% |
| EPS beat(4) | 2 | Avg EPS beat(4) | 1.94% |
| Min EPS beat(4) | -3.61% | Max EPS beat(4) | 7.12% |
| Revenue beat(2) | 2 | Avg Revenue beat(2) | 16.97% |
| Min Revenue beat(2) | 16.05% | Max Revenue beat(2) | 17.88% |
| Revenue beat(4) | 4 | Avg Revenue beat(4) | 16.83% |
| Min Revenue beat(4) | 14.52% | Max Revenue beat(4) | 18.88% |
| PT rev (1m) | 0.9% | PT rev (3m) | 13.34% |
| EPS NQ rev (1m) | -1.6% | EPS NQ rev (3m) | 4.41% |
| EPS NY rev (1m) | 0% | EPS NY rev (3m) | 9.92% |
| Revenue NQ rev (1m) | 0.26% | Revenue NQ rev (3m) | 2.09% |
| Revenue NY rev (1m) | 0% | Revenue NY rev (3m) | 2.79% |
| 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 | EY | N/A |
| EPS(NY) | N/A | Fwd EY | N/A |
| FCF(TTM) | N/A | FCFY | N/A |
| OCF(TTM) | N/A | OCFY | N/A |
| SpS | N/A | BVpS | N/A |
| TBVpS | N/A | PEG (NY) | N/A |
| PEG (5Y) | N/A | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.89% | ||
| ROE | 17.05% | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM | 24.34% | ||
| GM | N/A |
| ROICexgc(3y) | N/A | ROICexcg growth 3Y | N/A |
| ROICexcg growth 5Y | N/A | ROICexc(3y) | N/A |
| ROICexc growth 3Y | N/A | ROICexc growth 5Y | N/A |
| OM growth 3Y | N/A | OM growth 5Y | N/A |
| PM growth 3Y | -7.35% | PM growth 5Y | -3.52% |
| GM growth 3Y | N/A | GM growth 5Y | N/A |
| F-Score | 5 | Asset Turnover | 0.08 |
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.94 | ||
| Debt/FCF | 12.73 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 99.29% | ||
| Profit Quality | 43.49% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
| F-Score | 5 | WACC | N/A |
| ROIC/WACC | N/A | Cap/Depr(3y) | 88.53% |
| Cap/Depr(5y) | 100.16% | Profit Quality(3y) | 1239.15% |
| Profit Quality(5y) | N/A | ||
| EPS 1Y | 45.25% | EPS 3Y | -3.46% |
| EPS 5Y | 0.68% | EPS growth Q2Q | 11.93% |
| EPS Next Y | 33.41% | EPS Next 2Y | 22.35% |
| EPS Next 3Y | 16.63% | EPS Next 5Y | 17.74% |
| Revenue growth 1Y | 13.87% | Revenue growth 3Y | 4.2% |
| Revenue growth 5Y | 4.05% | Revenue growth Q2Q | 16.66% |
| Revenue Next Year | 18.2% | Revenue Next 2Y | 14.23% |
| Revenue Next 3Y | 11.8% | Revenue Next 5Y | N/A |
| EBIT growth 1Y | N/A | EBIT growth 3Y | N/A |
| EBIT growth 5Y | N/A | EBIT Next Year | N/A |
| EBIT Next 3Y | N/A | EBIT Next 5Y | N/A |
| FCF growth 1Y | -85.16% | FCF growth 3Y | N/A |
| FCF growth 5Y | N/A | OCF growth 1Y | -80.73% |
| OCF growth 3Y | N/A | OCF growth 5Y | N/A |
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