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BAP stock logo

BAP

Credicorp Ltd.

$375.03
-7.52
 (-1.97%)
Exchange:  NYSE
Market Cap:  29.796B
Shares Outstanding:  81M
Delayed data
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5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Diversified
   
CEO:  Gianfranco Piero Dario Ferrari de Las Casas
Full Time Employees:  52770
Address: 
Calle Centenario 156
Lima
LP
15026
PE
Website:  https://www.grupocredicorp.com
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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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/15 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue25,372,85426,996,40928,916,293
Gross Profit15,717,69817,331,82121,313,416
EBITDA7,515,4518,547,09510,849,498
Operating Income6,848,3297,824,5279,947,553
Net Income4,865,5405,501,2546,925,377

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets238,840,188256,088,940267,362,533
Total Liabilities205,733,123221,111,706228,266,424
Total Stockholders Equity32,460,00434,346,45138,366,950
Total Debt37,554,47237,488,35532,944,560
Cash and Cash Equivalents33,850,26847,506,91149,044,457

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow4,079,71914,522,0938,051,151
Capital Expenditure-1,151,174-1,111,434-315,949
Free Cash Flow2,928,54513,410,6597,735,202
Net Income4,865,5405,623,2526,925,377
Net Change in Cash-200,34813,649,489-47,570,103

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)26,716,939.826Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)28,282,408.668Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)27,642,337.129Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)10,966,913.981Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)11,609,516.100Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)11,346,776.072Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)10,354,038.666Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)11,151,018.221Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)10,825,157.927Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)8,765,286.707Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)9,278,885.320Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)9,068,890.815Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)135.680Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)139.760Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)129.770Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)4Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
7.396B  ?P/S
 (TTM)
: 
3.43
?Net Income
 (TTM)
: 
1.465B  ?P/E
 (TTM)
: 
13.74
?Enterprise Value
 (TTM)
: 
95.771B  ?EV/FCF
 (TTM)
: 
17.83
?Dividend Yield
 (TTM)
: 
3.86%  ?Payout Ratio
 (TTM)
: 
54.11%
?ROE
 (TTM)
: 
19.58%  ?ROIC
 (TTM)
: 
2.71%
?Net Debt
 (TTM)
: 
-1263120658  ?Debt/Equity
 (TTM)
: 
0.95
?P/B
 (TTM)
: 
2.65  ?Current Ratio
 (TTM)
: 
2.37

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
12.38Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates BAP intrinsic value between $905.19 – $2,478.41 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about BAP valuation

Is Credicorp Ltd. (BAP) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Credicorp Ltd. (BAP) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BAP a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BAP trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BAP’s P/E ratio?

You can see BAP’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BAP?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BAP a good long-term investment?

Whether BAP fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BAP

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-1.97
MARKETSnap

Trading Metrics:

Open: 380.99   Previous Close: 382.55
Day Low: 373.21   Day High: 383.01
Year Low: 230.45   Year High: 413.25
Price Avg 50: 385.35   Price Avg 200: 335.39
Volume: 90571   Average Volume: 425042

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See in Nexus

Relevant news

Why Credicorp (BAP) is a Great Dividend Stock Right Now
17-06-2026 12:47
Why Credicorp (BAP) is a Great Dividend Stock Right Now
Credicorp Ltd. (BAP) Q2 2026 Earnings Call Transcript
14-08-2026 16:57
Credicorp Ltd. (BAP) Q2 2026 Earnings Call Transcript
Credicorp Ltd.: Credicorp’s Earnings Release and Conference Call 2Q26
31-07-2026 16:15
Credicorp Ltd.: Credicorp's Earnings Release and Conference Call 2Q26
Credicorp Ltd.: Credicorp’s Earnings Release and Conference Call 2Q26
31-07-2026 16:15
Credicorp Ltd.: Credicorp’s Earnings Release and Conference Call 2Q26
Are You Looking for a High-Growth Dividend Stock?
03-07-2026 12:51
Are You Looking for a High-Growth Dividend Stock?
Credicorp (BAP) is a Great Momentum Stock: Should You Buy?
22-06-2026 13:01
Credicorp (BAP) is a Great Momentum Stock: Should You Buy?

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