Credicorp Ltd. BAP

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Insider Decisions

Total sells 1.48
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy
Sell 1 1
Insider Ownership 29.21%

Capital & Financial Ratios

Market Cap 31,230.00
Revenue 8,169.21
Net Income 1,987.39
Free Cash Flow 6,367.56
Net Debt (10,182.63)
Current Ratio 1.06
Debt/Equity 0.38
P/E ratio 14.57
P/S ratio 3.82
P/B ratio 2.76
Past 5Y EPS Growth 2.78%
This Y EPS Growth 16.67%
Next Y EPS Growth 13.71%
Next 5Y EPS Growth 14.74%
in millions of $

Dividends

Payout Ratio 0.40
Annual Dividend Rate 6.77
Annual Dividend Yield 5.22%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 11.24
2025 11.01
2024 9.29
2023 6.77
2022 3.99
2021 1.21
2020 8.80
2019 6.03
2018 4.30
2017 8.95
2016 2.32
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 9,450 12,975 14,373 14,489
Receivables
Inventory
Other
46,114 49,823 54,403 58,880
2023 2024 2025 Q'26
Payables 39,496 43,131 47,815 53,034
ST’ Debt
Other
42,326 45,686 50,225 55,642
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 2,125 2,171
’25 1,815 1,935 1,607 2,266 7,623
’24 1,699 1,762 1,788 1,753 7,002
’23 1,518 1,648 1,695 1,679 6,539
’22 1,143 1,289 1,358 1,355 5,351
’21 1,175 1,069 1,090 1,073 4,407
’20 1,268 1,160 1,175 1,168 4,770
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26
’25 2,415 2,415
’24 3,870 3,870
’23 156 1,195 28 1,091 1,091
’22 (273) (138) 322 2,700 (293)
’21 191 211 (173) 1,023 1,023
’20 967 4,992 (2,085) 3,630 3,630
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26
’25 2,104 2,104
’24 3,600 3,600
’23 156 1,195 28 797 797
’22 (273) (138) 322 2,700 (523)
’21 191 211 (173) 862 862
’20 945 4,992 (2,085) 3,455 3,455
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 7.65 7.29
’25 6.02 6.24 6.17 5.88 24.35
’24 5.06 4.49 5.08 3.76 18.39
’23 3.85 4.76 4.23 2.80 16.31
’22 3.75 3.75 4.20 3.45 14.99
’21 0.74 2.32 3.73 5.02 11.58
’20 0.76 (2.27) 0.38 2.28 1.25
fiscal quarters ending in the months shown

Target Price Range

High ‡‡‡‡‡ ‡‡‡‡‡
Average ‡‡‡‡‡ ‡‡‡‡‡
Low ‡‡‡‡‡ ‡‡‡‡‡

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell
Powerpack only forecast
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 113.21 116.42 144.22 165.51
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 182.11 160.15 200.00 292.00
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 36,968 37,074 38,000 49,581
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.14 0.18 0.18 0.15
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,351.36 6,539.09 7,001.85 7,622.80 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 83.15% 76.03% 78.10% 80.81%
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,769.51 1,831.24 2,085.24 2,791.28
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 33.07% 28.00% 29.78% 36.62% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,224.79 1,326.27 1,498.60 1,987.39 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 178.25 178.39 199.85 253.09
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 67.29 82.28 88.13 96.03 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 14.99 16.31 18.39 24.35 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.68) 13.73 48.71 30.42
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2.89) (3.69) (3.40) (3.92) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (6.57) 10.03 45.31 26.50
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 96.00 111.39 117.32 138.21 ‡‡‡‡
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 79.53 79.48 79.45 79.38 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.10 9.50 9.97 11.81 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.15 1.81 2.08 2.99 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.45 1.33 1.56 2.08 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.40 1.28 1.19 1.90 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.85 4.61 1.57 2.27
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (292.91) 1,090.92 3,870.14 2,414.90 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (229.97) (293.61) (270.02) (311.02)
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (522.88) 797.31 3,600.12 2,103.88
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,271.56 3,788.07 4,136.85 4,178.48
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10,191.56 3,902.65 4,602.04 3,935.57
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,368.71 (5,547.70) (8,373.41) (10,437.23)
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7,634.52 8,852.83 9,321.43 10,970.37
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.93% 2.08% 2.22% 2.71%
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.79% 34.63% 137.47% 327.23%
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.38% 15.78% 16.13% 19.15%
ROE
predictions in italic, sparklines do not include predictions
Fiscal years to Dec 2025 · latest quarter Jun 2026

Credicorp Ltd. (BAP) Latest News

News by impact score

Fine-tune

27 Aug

3 transcript , 3:01 AM

Bapcor Ltd FY2026 earnings call highlights show turnaround gaining momentum with improved cash flow. Turnaround momentum and cash flow gains point to moderate effects on operations and market position.

15 Aug

3 , 4:08 PM

Credicorp reported strong earnings and raised guidance, with analysis indicating the stock could be 5% undervalued. Strong earnings and raised guidance support improved financial outlook and modest stock revaluation.

3 , 3:06 PM

Credicorp posts stronger earnings and raises its ROE target, prompting questions on whether this shifts the bullish case for the stock. Stronger earnings and higher ROE target may affect financial performance views but overall trajectory change remains limited.

14 Aug

3 www.marketbeat.com, 12:04 PM

Credicorp Ltd. (BAP) Q2 earnings call highlights key financial metrics, operational updates, and management commentary on future prospects. Q2 earnings call highlights deliver financial updates that moderately affect market views on company performance.

3 transcript app.moby.co, 8:30 AM

Credicorp Ltd. conducted its Q2 2026 earnings call, covering financial results, operational updates, and forward-looking guidance for the company. Earnings call provides financial metrics and guidance that moderately influence near-term market perception and investor positioning.

16 May

4 Simply Wall St., 3:18 AM

Credicorp Ltd. (BAP) posted record earnings fueled by rising digital fees, potentially improving its investment case and long-term outlook. Record earnings and rising digital fees indicate major positive shifts in financial results and growth strategy.

15 May

4 www.marketbeat.com, 1:06 PM

Credicorp Ltd. (BAP) Q1 earnings call highlights strong financial results, robust loan growth, improved net interest margins, and positive outlook amid economic recovery in Peru. Q1 earnings highlights detail robust financial performance and strategic initiatives poised to significantly boost Credicorp's market position and investor confidence.

4 transcript www.fool.com, 12:27 PM

Credicorp Ltd. (BAP) released Q1 2026 earnings call transcript detailing quarterly financial results, management commentary, and forward guidance. Quarterly earnings transcripts disclose financial performance and strategic outlook, significantly influencing investor sentiment and market trajectory.

3 transcript GuruFocus.com, 7:00 PM

Credicorp Ltd posted strong ROE and loan growth in Q1 2026 amid prevailing economic conditions. Positive Q1 2026 ROE and loan growth metrics support improved near-term investor sentiment and share performance.

13 May

3 GlobeNewswire, 4:35 PM

Credicorp Ltd. announces planned executive leadership succession across Microfinance, Finance, and Audit divisions. Planned leadership changes in core divisions like Microfinance, Finance, and Audit may moderately affect governance, operations, and investor confidence.

28 Feb

4 Simply Wall St., 2:09 AM

Credicorp Ltd. (NYSE:BAP) valuation assessed after governance refresh and updated dividend policy. Governance refresh and dividend policy update represent major strategic enhancements likely to improve investor sentiment and long-term valuation.

20 Feb

4 Insider Monkey, 11:55 AM

Credicorp Ltd. (BAP) reported strong earnings and forecasts robust loan growth. Strong earnings and positive loan growth outlook boost financial performance and investor sentiment significantly.

14 Feb

3 Simply Wall St., 12:08 PM

Mibanco's core system upgrade challenges Credicorp's small and medium enterprise growth strategy and underlying valuation narrative. Mibanco's core upgrade introduces operational risks that could moderately affect Credicorp's SME expansion and investor valuation perceptions.

13 Feb

4 GuruFocus.com, 4:02 PM

Credicorp Ltd. reported record high net income for Q4 2025, driven by strategic initiatives and strong performance across its business segments. The company highlighted its focus on innovation and customer service, which contributed to its financial success. Management expressed optimism about future growth prospects and outlined plans for continued investment in technology and market expansion. Record high net income and strategic initiatives indicate significant potential for future growth and market performance.

4 transcript www.fool.com, 11:25 AM

Credicorp Ltd. (BAP) reported its Q4 2025 earnings, highlighting significant growth in net income and improved operational efficiency. The company attributed its performance to strategic investments and a strong market presence in the financial sector. Key metrics showed an increase in loan portfolio and customer deposits, reflecting robust demand for banking services. Management provided an optimistic outlook for the upcoming quarters, emphasizing plans for further expansion and innovation in digital banking services. Overall, the earnings call underscored Credicorp's resilience and adaptability in a competitive landscape. The earnings report indicates significant growth and strategic plans that could alter the company's trajectory and investor sentiment.

4 www.marketbeat.com, 11:22 AM

Credicorp Ltd. reported its Q4 earnings, highlighting strong financial performance driven by increased net interest income and improved asset quality. The company noted a rise in loan demand and a focus on digital transformation initiatives. Management emphasized strategic investments aimed at enhancing customer experience and operational efficiency. The outlook for the upcoming quarters remains positive, with expectations for continued growth in key segments despite potential economic challenges. Strong financial performance and strategic investments indicate significant potential for future growth and market positioning.

4 transcript app.moby.co, 8:30 AM

Credicorp Ltd. reported its Q4 2025 earnings, highlighting a significant increase in net income driven by strong performance in its banking and insurance segments. The company noted improvements in loan growth and asset quality, alongside a strategic focus on digital transformation. Management expressed optimism about future growth prospects, citing ongoing investments in technology and customer service enhancements. The earnings call emphasized the importance of maintaining a robust capital position and adapting to regulatory changes in the financial sector. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

12 Feb

3 Zacks, 7:10 PM

Credicorp Ltd. (BAP) reported Q4 earnings that fell short of analysts' expectations, leading to concerns about its financial performance. The company's results highlighted challenges in its operations, which may affect investor sentiment and future growth prospects. Analysts are closely monitoring the implications of these earnings on Credicorp's market position and overall strategy moving forward. Earnings falling short of estimates may moderately influence investor sentiment and financial performance.

11 Feb

3 GlobeNewswire, 3:35 PM

Mibanco, a Peruvian bank, has chosen Temenos' Software as a Service (SaaS) solution to modernize its core banking system. This partnership aims to enhance Mibanco's digital banking capabilities and improve customer service. The implementation of Temenos' technology is expected to streamline operations and support Mibanco's growth strategy in the competitive banking sector. The modernization of Mibanco's core banking system could enhance its competitive positioning and operational efficiency, impacting Credicorp's market dynamics.

6 Feb

4 ZacksZacksZacksZacksZacksSimply Wall St., 12:00 PM

Credicorp Ltd. (BAP) is highlighted as a strong momentum stock due to its robust financial performance, strategic initiatives, and positive market sentiment. The company has shown consistent growth in earnings and revenue, driven by its diversified business model and effective risk management. Analysts suggest that Credicorp's strong fundamentals and favorable market conditions make it an attractive investment opportunity. The stock's upward trajectory is supported by positive trends in the financial sector, positioning Credicorp as a compelling choice for investors seeking growth. Credicorp's strong financial performance and strategic initiatives are likely to significantly impact its future market position and investor sentiment.

3 Zacks, 1:11 PM

Credicorp Ltd. (BAP) reported its Q4 earnings, which fell short of analysts' estimates despite a year-over-year increase in revenues. The company's performance highlights ongoing challenges in meeting market expectations, raising concerns about its future financial trajectory. Earnings miss indicates potential challenges in financial performance, but revenue growth suggests some resilience.

5 Feb

4 Zacks, 10:00 AM

Credicorp Ltd. (BAP) is anticipated to report earnings growth in the upcoming release, driven by strong performance in its banking and insurance segments. Analysts are optimistic about the company's ability to navigate economic challenges and capitalize on growth opportunities in the region. Investors are advised to monitor key financial metrics and market conditions that could influence the results. Earnings growth expectations indicate significant potential for improved financial performance and investor sentiment.

3 Simply Wall St., 9:09 PM

Credicorp Ltd. (NYSE:BAP) has experienced strong recent share price momentum, prompting a valuation check. Analysts are evaluating the company's financial performance and market position in light of this upward trend. The analysis considers various factors that could influence Credicorp's future trajectory and investor sentiment, including market dynamics and competitive positioning. Recent share price momentum indicates a moderately noticeable influence on Credicorp's market performance and investor sentiment.

30 Jan

4 GlobeNewswireZacksSimply Wall St.Simply Wall St.GuruFocus.comSimply Wall St.GuruFocus.comStockStory, 4:15 PM

Credicorp Ltd. announced its earnings for the fourth quarter of 2025, highlighting key financial metrics and performance indicators. The company reported significant growth in net income and assets, driven by increased lending activities and improved operational efficiency. Management provided insights during the conference call, discussing strategic initiatives and market conditions that influenced results. Analysts expressed optimism about the company's future prospects, citing strong demand in the financial sector and effective risk management practices. Significant growth in net income and strategic initiatives indicate a major impact on future performance.

29 Jan

3 Zacks, 10:42 AM

Credicorp Ltd. (BAP) faces potential challenges in its Q4 earnings due to strains in origination and servicing. These issues may impact the company's financial performance and market sentiment as it navigates through operational difficulties. Investors are closely monitoring these developments to assess their implications for future growth. Operational strains could moderately influence financial performance and market sentiment.

27 Jan

4 Simply Wall St., 6:31 AM

Credicorp Ltd. (BAP) is highlighted as a top dividend stock to consider in January 2026, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently delivered attractive dividends, making it an appealing choice for income-focused investors. Analysts suggest that Credicorp's robust business model and market position contribute to its reliability as a dividend payer, positioning it favorably in the current economic landscape. Credicorp's strong dividend performance and market position indicate significant potential for future investor sentiment and financial stability.

26 Jan

4 Zacks, 9:40 AM

Credicorp Ltd. (BAP) has shown strong performance this year, outpacing many of its finance peers. The company's stock has benefited from favorable market conditions and strategic initiatives, leading to a positive outlook among investors. Analysts are optimistic about Credicorp's growth potential, particularly in the context of the evolving financial landscape in Latin America. Credicorp's strong performance and strategic initiatives are likely to significantly impact its future market position and investor sentiment.

22 Jan

4 Simply Wall St.Simply Wall St.ZacksZacksSimply Wall St.Simply Wall St.ZacksSimply Wall St., 11:06 AM

Credicorp Ltd. faces new competitive pressures as Tenpo becomes Chile's first licensed neobank, potentially reshaping the digital banking landscape in the region. This development may influence Credicorp's market positioning and strategic initiatives as it adapts to the evolving financial technology environment. The entry of Tenpo could lead to increased competition for customer acquisition and retention, prompting Credicorp to enhance its digital offerings and customer service strategies. The emergence of Tenpo as a licensed neobank is likely to significantly impact Credicorp's competitive landscape and strategic direction.

21 Jan

4 Zacks, 12:00 PM

Credicorp Ltd. (BAP) is highlighted as a strong momentum stock due to its robust financial performance, strategic initiatives, and favorable market conditions. The company has shown consistent growth in earnings and revenue, driven by effective management and a solid business model. Analysts suggest that Credicorp's focus on innovation and expansion in key markets positions it well for future success, making it an attractive investment opportunity for those seeking momentum stocks. Credicorp's strategic initiatives and strong financial performance are likely to significantly impact its future trajectory and investor sentiment.

20 Jan

4 GlobeNewswireReutersMT NewswiresCoinspeakerRetail Banker InternationalCryptonewsCoinDesk, 4:10 PM

Credicorp Ltd.'s Tenpo has become Chile's first neobank after obtaining a banking license, marking a significant milestone in the country's financial landscape. This development allows Tenpo to offer a range of banking services digitally, enhancing competition in the banking sector and potentially attracting a new customer base. The move aligns with global trends towards digital banking and could influence the future operations of Credicorp. The establishment of Tenpo as a neobank represents a significant strategic move that could alter Credicorp's competitive positioning and market dynamics.