BAP Fundamental Analysis - CREDICORP LTD

Fundamental Rating

BAP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. While BAP is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, BAP is valued expensive at the moment. Finally BAP also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past 5 years BAP has always been profitable.

Of the past 5 years BAP 4 years had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 2.27%, BAP belongs to the best of the industry, outperforming 96.95% of the companies in the same industry.

BAP has a Return On Equity of 16.09%. This is amongst the best in the industry. BAP outperforms 95.42% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of BAP (25.12%) is better than 60.31% 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)	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

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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.

Compared to 5 years ago, BAP has less shares outstanding

BAP has a better debt/assets ratio than last year.

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 (2.73) which is comparable to the rest of the industry.

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 84.73% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.99
Debt/FCF	2.73
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

BAP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.77%, which is quite impressive.

Measured over the past 5 years, BAP shows a small growth in Earnings Per Share. The EPS has been growing by 5.23% on average per year.

The Revenue has grown by 10.19% in the past year. This is quite good.

The Revenue has been growing slightly by 6.28% on average over the past years.

EPS 1Y (TTM)26.77%

EPS 3Y15.38%

EPS 5Y5.23%

EPS Q2Q%35.71%

Revenue 1Y (TTM)10.19%

Revenue growth 3Y9.48%

Revenue growth 5Y6.28%

Sales Q2Q%-0.26%

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 13.37% on average per year.

Based on estimates for the next years, BAP will show a small growth in Revenue. The Revenue will grow by 6.40% on average per year.

EPS Next Y22.19%

EPS Next 2Y15.5%

EPS Next 3Y13.37%

EPS Next 5YN/A

Revenue Next Year5.39%

Revenue Next 2Y5.92%

Revenue Next 3Y6.4%

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.

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Find the best growth stocks

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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

BAP's earnings are expected to grow with 13.37% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y15.5%

EPS Next 3Y13.37%

More info and screens

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5. Dividend

5.1 Amount

BAP has a Yearly Dividend Yield of 4.35%, which is a nice return.

Compared to an average industry Dividend Yield of 3.41, BAP pays a better dividend. On top of this BAP pays more dividend than 80.15% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.36, BAP pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.35%

5.2 History

The dividend of BAP is nicely growing with an annual growth rate of 10.42%!

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

65.43% of the earnings are spent on dividend by BAP. This is not a sustainable payout ratio.

The dividend of BAP is growing, but earnings are growing more, so the dividend growth is sustainable.

DP65.43%

EPS Next 2Y15.5%

EPS Next 3Y13.37%

More info and screens

Find the best dividend stocks

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CREDICORP LTD

NYSE:BAP (8/21/2025, 8:04:00 PM)

After market: 251.11 0 (0%)

251.11

+2.04 (+0.82%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-14 2025-08-14/amc

Earnings (Next)11-13 2025-11-13/amc

Inst Owners77.96%

Inst Owner Change-0.61%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap19.93B

Analysts78.75

Price Target249.07 (-0.81%)

Short Float %1.41%

Short Ratio2.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.35%

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)5.49%

PT rev (3m)14.64%

EPS NQ rev (1m)2.55%

EPS NQ rev (3m)4.84%

EPS NY rev (1m)0%

EPS NY rev (3m)2.88%

Revenue NQ rev (1m)0.39%

Revenue NQ rev (3m)-0.7%

Revenue NY rev (1m)-0.07%

Revenue NY rev (3m)-0.54%

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	2.27%
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 Rank	Sector 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)26.77%

EPS 3Y15.38%

EPS 5Y5.23%

EPS Q2Q%35.71%

EPS Next Y22.19%

EPS Next 2Y15.5%

EPS Next 3Y13.37%

EPS Next 5YN/A

Revenue 1Y (TTM)10.19%

Revenue growth 3Y9.48%

Revenue growth 5Y6.28%

Sales Q2Q%-0.26%

Revenue Next Year5.39%

Revenue Next 2Y5.92%

Revenue Next 3Y6.4%

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%

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