CREDICORP LTD (BAP) Stock Fundamental Analysis

NYSE:BAP • BMG2519Y1084

346.38 USD
-9.1 (-2.56%)
At close: Feb 27, 2026
346.38 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BAP. BAP was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of BAP have multiple concerns. While showing a medium growth rate, BAP is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BAP had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: BAP reported negative operating cash flow in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

1.2 Ratios

  • BAP's Return On Assets of 2.53% is amongst the best of the industry. BAP outperforms 98.94% of its industry peers.
  • BAP has a better Return On Equity (17.68%) than 96.83% of its industry peers.
Industry RankSector Rank
ROA 2.53%
ROE 17.68%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • BAP has a Profit Margin of 26.69%. This is in the better half of the industry: BAP outperforms 63.06% 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) 26.69%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • BAP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BAP Yearly Shares OutstandingBAP Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B 250B

2.2 Solvency

  • BAP has a debt to FCF ratio of 1.97. This is a very positive value and a sign of high solvency as it would only need 1.97 years to pay back of all of its debts.
  • BAP has a Debt to FCF ratio (1.97) which is comparable to the rest of the industry.
  • BAP has a Debt/Equity ratio of 0.92. This is a neutral value indicating BAP is somewhat dependend on debt financing.
  • BAP has a worse Debt to Equity ratio (0.92) than 83.64% of its industry peers.
  • Although BAP does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.92
Debt/FCF 1.97
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 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 10B 20B 30B

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

5

3. Growth

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.
EPS 1Y (TTM)25.81%
EPS 3Y14.38%
EPS 5Y81.81%
EPS Q2Q%41.42%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.26%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.12% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 8.84% on average over the next years. This is quite good.
EPS Next Y11.1%
EPS Next 2Y11.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.05%
Revenue Next 2Y8.84%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 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 20 40 60 80 100

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Find the best growth stocksShow best growing peers

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 2Y11.12%
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • BAP has a Yearly Dividend Yield of 3.05%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.74, BAP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, BAP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.05%

5.2 History

  • The dividend of BAP has a limited annual growth rate of 5.89%.
  • 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)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 62.76% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of BAP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP62.76%
EPS Next 2Y11.12%
EPS Next 3YN/A
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 0 5B 10B
BAP Dividend Payout.BAP Dividend Payout, showing the Payout Ratio.BAP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CREDICORP LTD

NYSE:BAP (2/27/2026, 8:04:00 PM)

After market: 346.38 0 (0%)

346.38

-9.1 (-2.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-14
Inst Owners80.12%
Inst Owner Change2.16%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.49B
Revenue(TTM)N/A
Net Income(TTM)6.47B
Analysts80
Price Target317.39 (-8.37%)
Short Float %2.22%
Short Ratio3.28
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
Yearly DividendN/A
Dividend Growth(5Y)5.89%
DP62.76%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.16%
Min EPS beat(2)-0.53%
Max EPS beat(2)6.86%
EPS beat(4)2
Avg EPS beat(4)0.69%
Min EPS beat(4)-14.67%
Max EPS beat(4)11.09%
EPS beat(8)4
Avg EPS beat(8)3.34%
EPS beat(12)6
Avg EPS beat(12)1.94%
EPS beat(16)8
Avg EPS beat(16)1.94%
Revenue beat(2)0
Avg Revenue beat(2)-13.43%
Min Revenue beat(2)-13.99%
Max Revenue beat(2)-12.86%
Revenue beat(4)0
Avg Revenue beat(4)-11.71%
Min Revenue beat(4)-13.99%
Max Revenue beat(4)-7.46%
Revenue beat(8)0
Avg Revenue beat(8)-7.76%
Revenue beat(12)1
Avg Revenue beat(12)-5.01%
Revenue beat(16)5
Avg Revenue beat(16)0.45%
PT rev (1m)9.34%
PT rev (3m)19.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.23%
EPS NY rev (1m)0.08%
EPS NY rev (3m)1.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)2.67%
Revenue NY rev (3m)-1.74%
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 2.53%
ROE 17.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.69%
GM N/A
FCFM 70.35%
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
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 3Y5.36%
PM growth 5Y-1%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.92
Debt/FCF 1.97
Debt/EBITDA N/A
Cap/Depr 160.94%
Cap/Sales 4.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 263.55%
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)25.81%
EPS 3Y14.38%
EPS 5Y81.81%
EPS Q2Q%41.42%
EPS Next Y11.1%
EPS Next 2Y11.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.26%
Revenue Next Year10.05%
Revenue Next 2Y8.84%
Revenue Next 3YN/A
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 1Y416.16%
FCF growth 3Y59.05%
FCF growth 5Y15.85%
OCF growth 1Y324.11%
OCF growth 3Y54.04%
OCF growth 5Y15.93%

CREDICORP LTD / BAP 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.


What is the profitability of BAP stock?

CREDICORP LTD (BAP) has a profitability rating of 3 / 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 11.1% in the next year.