Credicorp Ltd.
BAP | NYSE
$353.77
+$4.81 (+1.38%)
Nov 2, 2026, 10:14 AM ET · Market open
Market Data
Market Cap $28.1B
Enterprise Value $89.18B
Beta 0.87
Average Volume 307.45K
Shares Outstanding (Diluted) 79.43M
Shares Change YoY -0.61%
Institutional Ownership 72.35%
Exchange NYSE
ISIN BMG2519Y1084
Price Performance
Price Change 1M -5.2%
Price Change 3M -10.6%
Price Change 6M 10.6%
Price Change YTD 23.3%
Price Change 1Y 35.8%
Price Change 3Y 191.0%
Price Change 5Y 171.7%
1M CAGR (ann.) -8.6%
1Y CAGR (ann.) 38.9%
5Y CAGR (ann.) 28.1%
All-Time CAGR 13.8%
Valuation
PE Ratio 12.94
Forward PE 10.53
PEG Ratio 0.73
Forward PEG 0.83
PS Ratio 3.23
Forward PS 3.40
PB Ratio 2.48
P/FCF Ratio 18.36
P/Adj. FCF Ratio 18.51
P/OCF Ratio 17.41
EV/Sales 3.03
EV/EBIT 8.28
EV/EBITDA 7.94
EV/FCF 17.24
Earnings Yield 7.6%
FCF Yield 5.4%
Adj. FCF Yield 5.3%
Financial Health
Net Cash PEN5.8B
Total Debt PEN36.03B
Cash & Short-Term Investments PEN41.23B
Total Assets PEN282.32B
Current Ratio 2.37
Quick Ratio 2.37
Debt / Equity Ratio 0.95
Debt / EBITDA 3.21
Debt / FCF 6.96
OCF / Debt 0.15
Interest Coverage 2.23
Altman Z-Score 0.59
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 76.7%
Operating Profit Margin 36.6%
EBITDA Margin 38.1%
Net Profit Margin 24.9%
FCF Margin 17.6%
Adj. FCF Margin 17.4%
SBC / Revenue 0.1%
SBC Impact (per share) -0.8%
Returns
Return on Assets 2.6%
Return on Equity 19.6%
Return on Invested Capital 2.7%
Return on Capital Employed 4.1%
Return on Tangible Assets 2.6%
Historical Growth (CAGR)
Revenue CAGR 3Y 4.6%
Revenue CAGR 5Y 12.6%
Revenue CAGR 10Y 7.0%
EPS CAGR 3Y 12.6%
EPS CAGR 5Y 28.3%
EPS CAGR 10Y 8.6%
FCF CAGR 3Y 21.8%
FCF CAGR 5Y 61.8%
FCF CAGR 10Y 69.0%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 5
EPS Growth Next 3Y 13.3%
Revenue Growth Next 3Y -2.1%
Earnings Date Nov 9, 2026
EPS Estimate (next Q) $2.09
EPS Growth Est (next Q) 15.4%
Revenue Est (next Q) $552.19M
Revenue Growth Est (next Q) 14.8%
Fair Value Estimates
Graham Number $295.74
Graham Upside -15.3%
Lynch Fair Value $674.11
Lynch Upside 93.2%
Price Target $434.33
Price Target Upside 24.5%
Cash Flow
Operating Cash Flow PEN5.46B
Free Cash Flow PEN5.17B
Adj. Free Cash Flow PEN5.13B
FCF Per Share $65.15
OCF Per Share $68.73
OCF/S Ratio 18.5%
Income Statement
Revenue PEN29.44B
Gross Profit PEN22.59B
Operating Income PEN10.78B
EBITDA PEN11.23B
Net Income PEN7.34B
EPS (Diluted) $92.45
Revenue / Employee $557.96K
Profit / Employee $139.12K
Employees 52,770
Dividends
Annual Dividend $14.64
Dividend Yield 4.20%
Payout Ratio 15.8%
FCF Payout Ratio 76.8%
Adj. FCF Payout Ratio 77.4%
Dividend Growth (YoY) 32.9%
Pay Frequency Annual
Ex-Dividend Date May 18, 2026
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