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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Market cap: $30.9B
P/E: 14.5×
Fwd P/E: 10.9×
Dividend yield: 3.71%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 1.48

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	1	1	—	—	—	—

Insider Ownership 29.21%

Capital & Financial Ratios $m

Market Cap 30,850.00

Revenue 8,169.21

Net Income 1,987.39

Free Cash Flow 8,293.00

Net Debt (10,182.63)

Current Ratio 1.06

Debt/Equity 0.38

P/E ratio 14.46

Fwd P/E 10.90

P/S ratio 3.79

P/B ratio 2.74

Past 5Y EPS Growth 81.10%

This Y EPS Growth 15.48%

Next Y EPS Growth 14.05%

Next Y revenue growth (30.26%)

Next 5Y EPS Growth 14.44%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 70.92%

10-year low 10-year high

P/S against its own 10 years 88.17%

10-year low 10-year high

P/B against its own 10 years 94.73%

10-year low 10-year high

Dividends

Payout Ratio 0.54

Annual Dividend Rate 14.48

Annual Dividend Yield 3.71%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	11.01	14.48
2025	11.01	11.01
2024	9.29	9.29 2.92
2023	6.77	6.77
2022	3.99	3.99
2021	1.21	1.21
2020	8.80	8.80
2019	6.03	6.03 2.36
2018	4.30	4.30
2017	8.95	0.38 3.74 4.84
2016	2.32	2.32

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	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

Compound Annual Growth %

	10y	5y	3y
Sales	4.81%	9.83%	12.52%
Cash Flow	0.00%	(7.83%)	0.00%
Earnings	7.02%	81.29%	17.57%
Book Value	7.48%	8.55%	12.84%

Revenue $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	2,415	2,415
’24	—	—	—	3,870	3,870
’23	—	—	—	—	1,091
’22	—	—	—	—	(293)
’21	—	—	—	—	1,023
’20	967	—	—	—	3,630

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	2,104	2,104
’24	—	—	—	3,600	3,600
’23	156	1,195	28	(294)	797
’22	(273)	(138)	322	2,700	(523)
’21	191	211	(173)	(162)	862
’20	945	4,992	(2,085)	(175)	3,455

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	84.72	150.71	207.03	199.83	110.47	88.67	113.21	116.42	144.22	165.51	Analyst estimates 2026–2028 Powerpack
	High	166.26	215.69	239.54	252.49	220.25	169.50	182.11	160.15	200.00	292.00
People
People	Employees	33,282	33,636	34,024	35,828	36,806	36,358	36,968	37,074	38,000	49,581
	Revenue/emp, $m	0.14	0.15	0.12	0.15	0.13	0.12	0.14	0.18	0.18	0.15
Income, $m
Income, $m	Revenue	4,658	5,094	4,196	5,328	4,770	4,407	5,351	6,539	7,002	7,623
	Gross margin, %	81.46	82.18	78.00	81.49	82.15	85.45	83.15	76.03	78.10	80.81
	EBT	1,467	1,710	1,702	1,791	64	1,374	1,770	1,831	2,085	2,791
	EBT margin, %	31.50	33.56	40.55	33.61	1.34	31.17	33.07	28.00	29.78	36.62
	Net income	1,070	1,710	1,239	1,304	96	946	1,225	1,326	1,499	1,987
	Depreciation	121	129	144	192	212	178	178	178	200	253
Per share, $
Per share, $	Revenue	58.61	64.10	52.80	67.03	60.07	55.43	67.29	82.28	88.13	96.03
	Earnings	13.06	15.74	14.88	15.94	1.25	11.58	14.99	16.31	18.39	24.35
	Cash flow	(5.43)	35.90	(0.47)	26.14	45.71	12.87	(3.68)	13.73	48.71	30.42
	Capex	(1.26)	(0.91)	(1.94)	(1.78)	(2.20)	(2.04)	(2.89)	(3.69)	(3.40)	(3.92)
	Free cash flow	(6.70)	34.98	(2.40)	24.37	43.51	10.84	(6.57)	10.03	45.31	26.50
	Book value	75.00	85.88	92.91	100.84	91.68	87.61	96.00	111.39	117.32	138.21
	Shares, m	79	79	79	79	79	79	80	79	79	79
Valuation, ×
Valuation, ×	P/E	12.38	16.94	14.57	13.70	142.63	10.32	9.10	9.50	9.97	11.81
	P/S	2.76	3.33	4.20	3.18	2.73	2.20	2.15	1.81	2.08	2.99
	P/B	2.15	2.49	2.39	2.11	1.79	1.39	1.45	1.33	1.56	2.08
	EV/Sales	1.76	2.22	3.42	2.32	1.36	0.80	1.27	0.96	0.88	1.62
	EV/FCF	2.52	1.86	5.69	3.09	0.93	4.67	3.10	3.45	1.04	1.49
Cash, $m
Cash, $m	Operating cash flow	(432)	2,853	(37)	2,078	3,630	1,023	(293)	1,091	3,870	2,415
	Capex	(100)	(73)	(154)	(141)	(175)	(162)	(230)	(294)	(270)	(311)
	Free cash flow	(532)	2,780	(191)	1,937	3,455	862	(523)	797	3,600	2,104
Balance, $m
Balance, $m	Working capital	6,507	6,519	5,943	6,741	(533)	2,449	4,272	3,788	4,137	4,178
	Total debt	4,723	4,982	4,704	4,479	4,669	4,400	4,390	3,903	4,602	3,936
	Net debt	(4,634)	(5,669)	(3,285)	(4,594)	(6,531)	(6,185)	(4,433)	(5,548)	(8,373)	(10,437)
	Shareholders’ equity	5,961	6,825	7,384	8,016	7,280	6,965	7,635	8,853	9,321	10,970
Returns, %
Returns, %	ROA	2.17	2.54	2.28	2.32	0.16	1.41	1.93	2.08	2.22	2.71
	ROIC	69.15	92.45	25.94	32.71	13.99	116.93	35.97	34.63	137.47	327.23
	ROE	18.44	19.63	17.06	16.60	1.30	12.96	16.38	15.78	16.13	19.15

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
KB KB Financial Group Inc	$41.7B	10.1×	—	+25.89% (above 0%: growing)	+12.12% (above 0%: growing)	+482.05% (above 0%: growing)	61.64%	0.00%	Compare
SHG Shinhan Financial Group Co Ltd	$33.1B	9.5×	9.1×	+27.14% (above 0%: growing)	+10.37% (above 0%: growing)	+120.93% (above 0%: growing)	63.24%	0.00%	Compare
MTB M&T Bank Corporation	$31.6B	11.3×	11.9×	+2.07% (above 0%: growing)	+25.59% (above 0%: growing)	+52.44% (above 0%: growing)	75.36%	0.00%	Compare
HBAN Huntington Bancshares Incorporated	$31.0B	11.6×	11.3×	+37.66% (above 0%: growing)	−2.86% (below 0%: shrinking)	+105.40% (above 0%: growing)	68.08%	0.00%	Compare
BAP Credicorp Ltd.	$30.9B	14.5×	10.9×	+12.23% (above 0%: growing)	+16.83% (above 0%: growing)	+76.09% (above 0%: growing)	82.34%	0.00%
BBDO Banco Bradesco SA	$28.5B	8.6×	—	+32.31% (above 0%: growing)	+30.00% (above 0%: growing)	−266.98% (below 0%: shrinking)	36.36%	0.00%	Compare
CFG Citizens Financial Group, Inc.	$26.7B	13.6×	12.3×	+6.25% (above 0%: growing)	+40.86% (above 0%: growing)	−17.35% (below 0%: shrinking)	71.46%	0.00%	Compare
RF Regions Financial Corporation	$23.3B	11.1×	10.9×	−2.14% (below 0%: shrinking)	+8.47% (above 0%: growing)	−39.63% (below 0%: shrinking)	80.19%	0.00%	Compare
FCNCA First Citizens BancShares, Inc.	$23.3B	11.4×	11.8×	+0.11% (above 0%: growing)	+31.07% (above 0%: growing)	+28.65% (above 0%: growing)	67.05%	0.00%	Compare
Median of peers	$29.8B	11.2×	11.6×	+16.07%	+18.86%	+40.55%	67.57%	0.00%

All 323 Banks Regional stocks →

Credicorp Ltd. (BAP) key facts

Strength: Credicorp Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $7.6 billion, up 8.87% from fiscal 2024.
Credicorp Ltd. (BAP) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, BAP traded at $390.26, a market capitalization of $30.9 billion.
Credicorp Ltd. pays an annual dividend of $14.48 per share, a yield of 3.71%, with a payout ratio of 53.6%.
Return on equity was 19.2% and debt-to-equity 0.38.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.