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CREDICORP LTD (BAP) Stock Fundamental Analysis

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

209.79  +1.32 (+0.63%)

After market: 209.17 -0.62 (-0.3%)

Fundamental Rating

3

Overall BAP gets a fundamental rating of 3 out of 10. We evaluated BAP against 395 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. Finally BAP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
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

BAP has a better Return On Assets (2.27%) than 96.71% of its industry peers.
With an excellent Return On Equity value of 16.09%, BAP belongs to the best of the industry, outperforming 94.68% of the companies in the same industry.
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's Profit Margin of 25.12% is in line compared to the rest of the industry. BAP outperforms 58.73% of its industry peers.
In the last couple of years the Profit Margin of BAP has remained more or less at the same level.
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) 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

The number of shares outstanding for BAP remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BAP has less shares outstanding
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 60.51% of its industry peers.
A Debt/Equity ratio of 0.99 indicates that BAP is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.99, BAP is not doing good in the industry: 86.08% of the companies in the same industry are doing better.
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

The Earnings Per Share is expected to grow by 11.80% on average over the next years. This is quite good.
BAP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.23% yearly.
EPS Next Y17.5%
EPS Next 2Y13.98%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue Next Year5.97%
Revenue Next 2Y5.95%
Revenue Next 3Y6.23%
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

With a Yearly Dividend Yield of 5.41%, BAP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.45, BAP pays a better dividend. On top of this BAP pays more dividend than 90.13% of the companies listed in the same industry.
BAP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 5.41%

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.
The dividend of BAP decreased 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

65.43% of the earnings are spent on dividend by BAP. 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.
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 (5/29/2025, 8:04:00 PM)

After market: 209.17 -0.62 (-0.3%)

209.79

+1.32 (+0.63%)

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 Owners80.75%
Inst Owner Change-4.54%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap19.80B
Analysts75.38
Price Target211.27 (0.71%)
Short Float %1.02%
Short Ratio2.7
Dividend
Industry RankSector Rank
Dividend Yield 5.41%
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)0%
PT rev (3m)-0.04%
EPS NQ rev (1m)1.32%
EPS NQ rev (3m)0.75%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)0.27%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)1.48%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)-0.08%
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 Year5.97%
Revenue Next 2Y5.95%
Revenue Next 3Y6.23%
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%