CREDICORP LTD (BAP) Stock Fundamental Analysis
USA - NYSE:BAP - BMG2519Y1084 - Common Stock
260.17 USD
-3.19 (-1.21%)
Overall BAP gets a fundamental rating of 4 out of 10. We evaluated BAP against 390 industry peers in the Banks industry. There are concerns on the financial health of BAP while its profitability can be described as average. While showing a medium growth rate, BAP is valued expensive at the moment. Finally BAP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
Each year in the past 5 years BAP has 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 2.51%, BAP belongs to the best of the industry, outperforming 99.23% of the companies in the same industry.
The Return On Equity of BAP (18.14%) is better than 97.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 18.14% | ||
| 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
Looking at the Profit Margin, with a value of 26.45%, BAP is in the better half of the industry, outperforming 67.18% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.45% | ||
| 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
2. Health
2.1 Basic Checks
The number of shares outstanding for BAP remains at a similar level compared to 1 year ago.
BAP has less shares outstanding than it did 5 years ago.
BAP has a better debt/assets ratio than last year.
2.2 Solvency
BAP has a debt to FCF ratio of 1.72. This is a very positive value and a sign of high solvency as it would only need 1.72 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.72, BAP is in line with its industry, outperforming 52.82% of the companies in the same industry.
BAP has a Debt/Equity ratio of 1.00. This is a high value indicating a heavy dependency on external financing.
BAP's Debt to Equity ratio of 1.00 is on the low side compared to the rest of the industry. BAP is outperformed by 84.36% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 1.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 26.77% over the past year.
BAP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.23% yearly.
Looking at the last year, BAP shows a quite strong growth in Revenue. The Revenue has grown by 11.03% in the last year.
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)11.03%
Revenue growth 3Y9.48%
Revenue growth 5Y6.28%
Sales Q2Q%-0.26%
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 13.81% yearly.
Based on estimates for the next years, BAP will show a small growth in Revenue. The Revenue will grow by 6.58% on average per year.
EPS Next Y24.81%
EPS Next 2Y16.26%
EPS Next 3Y13.81%
EPS Next 5YN/A
Revenue Next Year5.01%
Revenue Next 2Y6.19%
Revenue Next 3Y6.58%
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.
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
A more expensive valuation may be justified as BAP's earnings are expected to grow with 13.81% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y16.26%
EPS Next 3Y13.81%
5. Dividend
5.1 Amount
BAP has a Yearly Dividend Yield of 4.20%, which is a nice return.
Compared to an average industry Dividend Yield of 3.50, BAP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, BAP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
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
BAP pays out 66.66% of its income as dividend. This is not a sustainable payout ratio.
BAP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP66.66%
EPS Next 2Y16.26%
EPS Next 3Y13.81%
NYSE:BAP (10/30/2025, 11:22:52 AM)
260.17
-3.19 (-1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.37%
Inst Owner Change-0.09%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap20.65B
Revenue(TTM)23.63B
Net Income(TTM)6.25B
Analysts77.5
Price Target263.07 (1.11%)
Short Float %1.11%
Short Ratio2.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
Yearly DividendN/A
Dividend Growth(5Y)10.42%
DP66.66%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.98%
Min EPS beat(2)6.86%
Max EPS beat(2)11.09%
EPS beat(4)3
Avg EPS beat(4)2.89%
Min EPS beat(4)-14.67%
Max EPS beat(4)11.09%
EPS beat(8)4
Avg EPS beat(8)2.71%
EPS beat(12)7
Avg EPS beat(12)2.57%
EPS beat(16)9
Avg EPS beat(16)3.63%
Revenue beat(2)0
Avg Revenue beat(2)-12.71%
Min Revenue beat(2)-12.86%
Max Revenue beat(2)-12.55%
Revenue beat(4)0
Avg Revenue beat(4)-9.5%
Min Revenue beat(4)-12.86%
Max Revenue beat(4)-5.15%
Revenue beat(8)0
Avg Revenue beat(8)-6.9%
Revenue beat(12)2
Avg Revenue beat(12)-2.35%
Revenue beat(16)6
Avg Revenue beat(16)2.54%
PT rev (1m)4.46%
PT rev (3m)12.31%
EPS NQ rev (1m)3.07%
EPS NQ rev (3m)3.95%
EPS NY rev (1m)0.01%
EPS NY rev (3m)3.25%
Revenue NQ rev (1m)0.57%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0.67%
Revenue NY rev (3m)-0.43%
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
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 18.14% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.45% | ||
| GM | N/A | ||
| FCFM | 84.95% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 1.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 178.3% | ||
| Cap/Sales | 4.9% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 321.13% | ||
| 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 Y24.81%
EPS Next 2Y16.26%
EPS Next 3Y13.81%
EPS Next 5YN/A
Revenue 1Y (TTM)11.03%
Revenue growth 3Y9.48%
Revenue growth 5Y6.28%
Sales Q2Q%-0.26%
Revenue Next Year5.01%
Revenue Next 2Y6.19%
Revenue Next 3Y6.58%
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 1Y350.94%
FCF growth 3Y59.05%
FCF growth 5Y15.85%
OCF growth 1Y293.26%
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 4 / 10 to BAP.
Can you provide the valuation status for CREDICORP LTD?
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 4 / 10.
Can you provide the financial health for BAP stock?
The financial health rating of CREDICORP LTD (BAP) is 3 / 10.