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CREDICORP LTD (BAP) Stock Fundamental Analysis

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

217.77  -1.04 (-0.48%)

After market: 217.77 0 (0%)

Fundamental Rating

3

BAP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. BAP may be in some trouble as it scores bad on both profitability and health. BAP is quite expensive at the moment. It does show a decent growth rate. Finally BAP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

Each year in the past 5 years BAP has been profitable.
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

Looking at the Return On Assets, with a value of 2.27%, BAP belongs to the top of the industry, outperforming 96.96% of the companies in the same industry.
BAP's Return On Equity of 16.09% is amongst the best of the industry. BAP outperforms 94.43% 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

BAP has a Profit Margin of 25.12%. This is comparable to the rest of the industry: BAP outperforms 58.23% of its industry peers.
In the last couple of years the Profit Margin of BAP has remained more or less at the same level.
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

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2

2. Health

2.1 Basic Checks

BAP has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for BAP has been reduced compared to 5 years ago.
The debt/assets ratio for BAP has been reduced compared to a year ago.
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 worse Debt to FCF ratio (2.73) than 61.77% of its industry peers.
A Debt/Equity ratio of 0.99 indicates that BAP is somewhat dependend on debt financing.
BAP's Debt to Equity ratio of 0.99 is on the low side compared to the rest of the industry. BAP is outperformed by 85.57% of its industry peers.
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

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.64% over the past year.
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.
Looking at the last year, BAP shows a quite strong growth in Revenue. The Revenue has grown by 11.37% in the last year.
BAP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.28% yearly.
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

BAP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.80% yearly.
BAP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.89% yearly.
EPS Next Y17.5%
EPS Next 2Y13.98%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue Next Year5.27%
Revenue Next 2Y5.52%
Revenue Next 3Y5.89%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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

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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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13.98%
EPS Next 3Y11.8%

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7

5. Dividend

5.1 Amount

BAP has a Yearly Dividend Yield of 4.96%, which is a nice return.
BAP's Dividend Yield is rather good when compared to the industry average which is at 3.46. BAP pays more dividend than 86.58% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, BAP pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.96%

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
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

BAP pays out 65.43% of its income as dividend. This is not a sustainable payout ratio.
The dividend of BAP is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP65.43%
EPS Next 2Y13.98%
EPS Next 3Y11.8%
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

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CREDICORP LTD

NYSE:BAP (6/18/2025, 8:04:00 PM)

After market: 217.77 0 (0%)

217.77

-1.04 (-0.48%)

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-4.54%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap17.28B
Analysts77.5
Price Target217.82 (0.02%)
Short Float %1.3%
Short Ratio2.52
Dividend
Industry RankSector Rank
Dividend Yield 4.96%
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)3.1%
PT rev (3m)3.8%
EPS NQ rev (1m)2.23%
EPS NQ rev (3m)2.27%
EPS NY rev (1m)0%
EPS NY rev (3m)0.27%
Revenue NQ rev (1m)-1.09%
Revenue NQ rev (3m)-1.23%
Revenue NY rev (1m)-0.66%
Revenue NY rev (3m)-0.56%
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 Y17.5%
EPS Next 2Y13.98%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue 1Y (TTM)11.37%
Revenue growth 3Y9.48%
Revenue growth 5Y6.28%
Sales Q2Q%-0.63%
Revenue Next Year5.27%
Revenue Next 2Y5.52%
Revenue Next 3Y5.89%
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%