Saturday 17 October 2026
Export BAP’s income statement to Excel — free account
Credicorp Ltd.
Credicorp Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $7.6 billion, up 8.87% from fiscal 2024. In the quarter to June 2026, revenue grew 12.2%, EPS grew 16.8%, free cash flow grew 76.1% and total debt fell 8.50%, each against the same quarter a year earlier. Revenue growth for three consecutive years.
390.26
1.84
+0.47%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.81 | 9.97 | 9.50 | 9.10 | 10.32 | 142.63 | 13.70 | 14.57 | 16.94 | 12.38 |
Piotroski F-Score |
8 | 8 | 6 | 4 | 7 | 6 | 8 | 2 | 7 | 5 |
P/S ratio |
2.99 | 2.08 | 1.81 | 2.15 | 2.20 | 2.73 | 3.18 | 4.20 | 3.33 | 2.76 |
P/FCF ratio |
2.75 | 2.44 | 6.50 | 5.23 | 12.89 | 1.86 | 4.24 | 7.00 | 2.79 | 3.94 |
P/Operating CF |
9.43 | 3.76 | 12.22 | 11.43 | 10.04 | 13.48 | 8.15 | (474.70) | 5.95 | (29.72) |
P/B ratio |
2.08 | 1.56 | 1.33 | 1.45 | 1.39 | 1.79 | 2.11 | 2.39 | 2.49 | 2.15 |
Price to Tangible BV |
2.36 | 1.72 | 1.48 | 1.62 | 1.55 | 2.00 | 2.34 | 2.61 | 2.73 | 2.39 |
EV/Sales |
1.62 | 0.88 | 0.96 | 1.27 | 0.80 | 1.36 | 2.32 | 3.42 | 2.22 | 1.76 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
1.32 | 0.90 | 2.54 | 2.51 | 2.81 | 0.87 | 2.77 | 4.56 | 1.67 | 2.10 |
EV/FCF |
1.49 | 1.04 | 3.45 | 3.10 | 4.67 | 0.93 | 3.09 | 5.69 | 1.86 | 2.52 |
Quick Ratio |
0.29 | 0.28 | 0.22 | 0.21 | 0.24 | 0.23 | 0.25 | 0.23 | 0.31 | 0.31 |
Current Ratio |
1.08 | 1.09 | 1.09 | 1.10 | 1.05 | 0.99 | 1.19 | 1.17 | 1.19 | 1.22 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
5.25% | 6.74% | 6.11% | 7.18% | 6.98% | 6.87% | 7.96% | 8.72% | 9.53% | 10.19% |
Debt/Equity |
0.36 | 0.49 | 0.44 | 0.58 | 0.63 | 0.64 | 0.56 | 0.64 | 0.73 | 0.79 |
Asset Turnover |
0.11 | 0.11 | 0.10 | 0.09 | 0.07 | 0.08 | 0.10 | 0.08 | 0.10 | 0.10 |
Operating CF/Net income |
1.24 | 2.64 | 0.84 | (0.24) | 1.11 | 36.57 | 1.63 | (0.03) | 2.27 | (0.41) |
Capex/Depreciation |
(1.23) | (1.35) | (1.65) | (1.29) | (0.91) | (0.82) | (0.74) | (1.07) | (0.56) | (0.83) |
| 19.15% | 16.13% | 15.78% | 16.38% | 12.96% | 1.30% | 16.60% | 17.06% | 19.63% | 18.44% | |
| 2.71% | 2.22% | 2.08% | 1.93% | 1.41% | 0.16% | 2.32% | 2.28% | 2.54% | 2.17% | |
ROIC |
327.23% | 137.47% | 34.63% | 35.97% | 116.93% | 13.99% | 32.71% | 25.94% | 92.45% | 69.15% |
Return on Tangible Assets |
40.83% | 32.43% | 31.34% | 25.98% | 33.14% | (71.14%) | 17.83% | 18.96% | 17.97% | 14.95% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
40.90% | 45.50% | 45.04% | 45.43% | 48.34% | 74.23% | 44.32% | 34.06% | 46.09% | 47.37% |
Intangible Assets out of Total Assets |
0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.55% | 0.40% | 0.34% | 0.43% | 0.43% | 0.62% | 0.68% | 0.48% | 0.37% | 0.60% |
Graham Net Nets |
(0.42) | (0.62) | (0.75) | (0.81) | (0.93) | (0.94) | (0.32) | (0.32) | (0.28) | (0.29) |
Graham Number |
274.95 | 220.33 | 197.98 | 180.08 | 152.71 | 48.70 | 187.90 | 178.31 | 156.09 | 148.34 |
Earnings Yield |
8.47% | 10.03% | 10.52% | 10.98% | 9.69% | 0.70% | 7.30% | 6.86% | 5.90% | 8.07% |
Free Cash Flow Yield |
36.40% | 41.04% | 15.39% | 19.11% | 7.76% | 53.83% | 23.57% | 14.29% | 35.88% | 25.37% |
Revenue per Share |
96.03 | 88.13 | 82.28 | 67.29 | 55.43 | 60.07 | 67.03 | 52.80 | 64.10 | 58.61 |
Operating CF per Share |
30.42 | 48.71 | 13.73 | (3.68) | 12.87 | 45.71 | 26.14 | (0.47) | 35.90 | (5.43) |
Capex per Share |
(3.92) | (3.40) | (3.69) | (2.89) | (2.04) | (2.20) | (1.78) | (1.94) | (0.91) | (1.26) |
Free Cash Flow per Share |
26.50 | 45.31 | 10.03 | (6.57) | 10.84 | 43.51 | 24.37 | (2.40) | 34.98 | (6.70) |
Cash per Share |
181.07 | 163.32 | 118.91 | 110.94 | 133.14 | 141.04 | 114.15 | 100.51 | 134.02 | 117.75 |
Shareholders Equity per Share |
138.21 | 117.32 | 111.39 | 96.00 | 87.61 | 91.68 | 100.84 | 92.91 | 85.88 | 75.00 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
138.21 | 117.32 | 111.39 | 96.00 | 87.61 | 91.68 | 100.84 | 92.91 | 85.88 | 75.00 |
Free Cash Flow |
2,103.88 | 3,600.12 | 797.31 | (522.88) | 861.52 | 3,455.06 | 1,936.76 | (191.15) | 2,780.09 | (532.23) |
Working Capital |
4,178.48 | 4,136.85 | 3,788.07 | 4,271.56 | 2,449.45 | (532.87) | 6,740.64 | 5,942.80 | 6,519.07 | 6,507.13 |
Capital Expenditures |
(311.02) | (270.02) | (293.61) | (229.97) | (161.92) | (174.64) | (141.27) | (154.03) | (72.63) | (100.36) |
Net Current Asset Value |
(9,648.11) | (9,103.07) | (8,899.34) | (7,618.23) | (8,996.65) | (12,227.95) | (5,455.65) | (5,550.85) | (4,787.46) | (3,729.82) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.04 | 0.01 | 0.02 |
Price to Operating Income |
8.16 | 6.98 | 6.45 | 5.66 | 6.65 | 77.69 | 9.46 | 10.35 | 9.93 | 8.75 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.44 | 0.52 | 0.49 | 0.54 | 0.53 | 0.54 | 0.45 | 0.32 | 0.28 | 0.26 |
Cash ROIC |
7.19% | 13.38% | 3.59% | (2.51%) | 3.93% | 14.93% | 8.98% | (0.95%) | 12.38% | (2.66%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.04 | 0.04 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
11,929.48 | 10,266.09 | 9,199.23 | 15,405.97 | 22,119.89 | 17,500.53 | 12,446.90 | 12,614.91 | 12,014.43 | 10,788.32 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
45,472.81 | 41,313.62 | 38,775.41 | 38,450.89 | 39,837.45 | 37,230.29 | 32,768.35 | 30,889.01 | 27,700.32 | 26,930.06 |
Average Assets |
71,634.82 | 66,056.79 | 62,485.99 | 62,086.13 | 65,494.03 | 62,114.28 | 55,123.92 | 53,112.52 | 49,317.81 | 47,967.20 |
Average Common Equity |
10,145.90 | 9,087.13 | 8,243.68 | 7,299.68 | 7,122.42 | 7,647.93 | 7,700.02 | 7,104.69 | 6,392.87 | 5,647.47 |
Columns are period end dates