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BAP stock logo

BAP

Credicorp Ltd.

$339.98
-1.28
 (-0.38%)
Exchange:  NYSE
Market Cap:  26.983B
Shares Outstanding:  81M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Gianfranco Piero Dario Ferrari de Las Casas
Full Time Employees:  38758
Address: 
Calle Centenario 156
Lima
12
PE
Website:  https://www.grupocredicorp.com
Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company’s Universal Banking segment offers deposits and current accounts, and various credits and financial instruments to individuals and legal entities. Its Insurance and Pensions segment issues insurance policies to cover losses in commercial property, transportation, marine vessels, automobile, life, health, and pensions, as well as provides private pension fund management services. The company’s Microfinance segment manages loans, credits, deposits, and current accounts of the small and microenterprises. Its Investment Banking and Wealth Management segment offers its services to corporations, institutional investors, governments, and foundations; engages in structuring and placement of issues in the primary market, as well as the execution and negotiation of operations in the secondary market; and structures securitization processes for corporate customers and manages mutual funds. The company 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.

2025/05/16 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue25,372,85426,996,40930,287,518
Gross Profit15,717,69817,331,82123,104,770
EBITDA7,515,4518,547,09510,218,705
Operating Income6,848,3297,824,5279,376,807
Net Income4,865,5405,501,2546,528,030

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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 Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)36,627,628.763Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)42,022,587.547Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)40,255,352.608Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)11,925,354.818Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)13,681,864.860Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)13,106,482.166Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)8,813,840.284Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)10,553,192.400Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)9,983,430.155Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)11,120,841.671Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)12,758,853.316Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)12,222,287.325Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)125.130Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)132.270Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)110.470Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
7.396B  ?P/S
 (TTM)
: 
3.24
?Net Income
 (TTM)
: 
1.465B  ?P/E
 (TTM)
: 
13.15
?Enterprise Value
 (TTM)
: 
81.729B  ?EV/FCF
 (TTM)
: 
9.66
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.48
?ROE
 (TTM)
: 
0.19  ?ROIC
 (TTM)
: 
0.03
?Net Debt
 (TTM)
: 
-1263120658  ?Debt/Equity
 (TTM)
: 
0.94
?P/B
 (TTM)
: 
2.48  ?Current Ratio
 (TTM)
: 
3.15

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
12.54Full AccessFull AccessFull AccessFull 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.


Calculate BAP Intrinsic Value

Common questions about BAP valuation

Is BAP (BAP) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for BAP (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

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Relevant news

Credicorp (BAP) Soars 7.5%: Is Further Upside Left in the Stock?
Allspring Global Investments Holdings LLC Trims Holdings in Credicorp Ltd. $BAP
Here is Why Growth Investors Should Buy Credicorp (BAP) Now
Credicorp Ltd. (BAP) Q4 2025 Earnings Call Transcript
Credicorp (BAP) Lags Q4 Earnings Estimates
What Makes Credicorp (BAP) a Strong Momentum Stock: Buy Now?

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