Credicorp Ltd. (BAP)
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No price history available.
Key financial summary
Financials in PEN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PEN bn | 15 | 17 | 17 | 20 | 21 | 24 | 25 | - |
| Operating profit | PEN bn | 10 | 11 | ||||||
| Net profit | PEN bn | 0 | 4 | 5 | 5 | 6 | 7 | 7 | 8 |
| EPS reported | PEN | 86.80 | 92.45 | ||||||
| Operating cashflow per share | PEN | 100.9 | 68.73 | ||||||
| Capex per share | PEN | 3.96 | 3.58 | ||||||
| FCF per share | PEN | 96.95 | 65.15 | ||||||
| Free cash flow | PEN bn | 8 | 5 | ||||||
| Net debt | PEN bn | -11 | -5 | ||||||
| Book value equity | PEN bn | 37 | 38 | ||||||
| Book value per share | PEN | 458.8 | 479.1 | ||||||
| Number of shares | m | 79.79 | 79.43 | ||||||
| DPS (TTM paid) | PEN | 50.31 | 50.31 |
Financial summary
Financials in PEN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 14.67 | ||||||
| P/B LTM | x | 2.10 | 2.02 | ||||||
| P/S LTM | x | 3.21 | 3.13 | ||||||
| P/FCF LTM | x | 9.95 | 14.88 | ||||||
| EV/EBITDA LTM | x | 6.29 | 6.08 | ||||||
| EV/Sales LTM | x | 2.36 | 3.29 | ||||||
| Earnings Yield LTM | % | +9.00% | +6.82% | ||||||
| FCF Yield | % | +10.05% | +6.72% | ||||||
| Quality | |||||||||
| ROE | % | +18.92% | +19.58% | ||||||
| ROIC | % | +2.65% | +2.71% | ||||||
| Operating margin | % | +34.40% | +36.62% | ||||||
| Gross margin | % | +73.71% | +76.74% | ||||||
| FCF/Sales | % | +26.75% | +17.57% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +25.63% | +33.81% | ||||||
| Sales Growth YoY | % | +12.99% | +15.83% | ||||||
| Net Income Growth YoY | % | +25.89% | +33.45% | ||||||
| FCF Growth | % | -42.32% | -61.42% | ||||||
| Operating Profit Growth | % | +27.13% | +37.80% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.90% | +3.83% | ||||||
| Dividend Growth | % | +5.10% | +5.10% | ||||||
| Payout Ratio | % | +43.30% | +49.03% | ||||||
| FCF/Debt | x | 0.22 | 0.14 | ||||||
| Net Debt/EBITDA | x | -0.81 | -0.46 | ||||||
| EBIT/Net interest | x | 2.02 | 2.23 | ||||||
| Net debt/market cap | % | +44.06% | +34.77% | ||||||
| Net debt/Equity | x | -0.29 | -0.14 | ||||||
| Gross debt/equity | x | 0.94 | 0.95 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.
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