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CREDICORP LTD (BAP) Stock Fundamental Analysis

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

237.12  +0.12 (+0.05%)

After market: 237.12 0 (0%)

Fundamental Rating

3

Overall BAP gets a fundamental rating of 3 out of 10. We evaluated BAP against 396 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. 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

The Return On Assets of BAP (2.27%) is better than 96.97% of its industry peers.
Looking at the Return On Equity, with a value of 16.09%, BAP belongs to the top of the industry, outperforming 94.44% 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 has a Profit Margin (25.12%) which is in line with 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

Compared to 1 year ago, BAP has about the same amount of shares outstanding.
BAP has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BAP has an improved debt to assets ratio.
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

BAP has a debt to FCF ratio of 2.73. This is a good value and a sign of high solvency as BAP would need 2.73 years to pay back of all of its debts.
The Debt to FCF ratio of BAP (2.73) is worse than 61.11% of its industry peers.
BAP has a Debt/Equity ratio of 0.99. This is a neutral value indicating 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 85.61% 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

BAP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.64%, which is quite good.
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 11.37% 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)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

Based on estimates for the next years, BAP will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.75% on average per year.
BAP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.
EPS Next Y20.88%
EPS Next 2Y14.59%
EPS Next 3Y12.75%
EPS Next 5YN/A
Revenue Next Year5.46%
Revenue Next 2Y5.76%
Revenue Next 3Y6.13%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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

BAP's earnings are expected to grow with 12.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y14.59%
EPS Next 3Y12.75%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.81%, BAP is a good candidate for dividend investing.
BAP's Dividend Yield is rather good when compared to the industry average which is at 3.31. BAP pays more dividend than 85.86% of the companies in the same industry.
BAP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 4.81%

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

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 2Y14.59%
EPS Next 3Y12.75%
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 (7/24/2025, 8:23:38 PM)

After market: 237.12 0 (0%)

237.12

+0.12 (+0.05%)

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-0.09%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap18.82B
Analysts77.5
Price Target234.23 (-1.22%)
Short Float %1.21%
Short Ratio2.48
Dividend
Industry RankSector Rank
Dividend Yield 4.81%
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)7.54%
PT rev (3m)10.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.23%
EPS NY rev (1m)0%
EPS NY rev (3m)2.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.36%
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 Y20.88%
EPS Next 2Y14.59%
EPS Next 3Y12.75%
EPS Next 5YN/A
Revenue 1Y (TTM)11.37%
Revenue growth 3Y9.48%
Revenue growth 5Y6.28%
Sales Q2Q%-0.63%
Revenue Next Year5.46%
Revenue Next 2Y5.76%
Revenue Next 3Y6.13%
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%