(BAP) Credicorp - Overview
Sector: Financial ServicesIndustry: Banks - Regional | Exchange NYSE (USA) | Currency USD | Market Cap: 26.177m | Total Return 80.9% in 12m
Stock: Banking, Insurance, Pensions, Investments, Loans
Total Rating 68
Risk 68
Buy Signal -0.43
| Risk 5d forecast | |
|---|---|
| Volatility | 29.7% |
| Relative Tail Risk | -2.84% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.24 |
| Alpha | 65.16 |
| Character TTM | |
|---|---|
| Beta | 0.684 |
| Beta Downside | 1.218 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.54% |
| CAGR/Max DD | 1.49 |
EPS (Earnings per Share)
Revenue
Description: BAP Credicorp March 05, 2026
Credicorp Ltd. (BAP) is a Peruvian financial services holding company. It operates in universal banking, microfinance, insurance, pensions, and investment management.
The universal banking segment provides traditional lending and deposit services. Microfinance targets small and micro-enterprises, a common model in developing economies to support economic inclusion.
Insurance and pensions cover commercial and personal lines, including property, life, and health, and manages private pension funds. Investment management and advisory offers brokerage, asset management, and capital markets services to institutional and corporate clients.
Credicorps diversified structure, typical of large financial groups in emerging markets, allows it to serve a broad client base across multiple financial needs. Further analysis on ValueRay can provide deeper insights into its financial performance and market position.
Headlines to watch out for
- Peruvian economic stability impacts loan demand and credit quality
- Interest rate fluctuations affect net interest margin
- Regulatory changes in financial services impact compliance costs
- Insurance claims volatility influences underwriting profitability
- Microfinance portfolio growth drives segment revenue
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 6.91b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 4.18 > 1.0 |
| NWC/Revenue: 111.0% < 20% (prev 69.33%; Δ 41.69% < -1%) |
| CFO/TA 0.03 > 3% & CFO 8.81b > Net Income 6.91b |
| Net Debt (-8.76b) to EBITDA (10.77b): -0.81 < 3 |
| Current Ratio: 3.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (79.7m) vs 12m ago 0.09% < -2% |
| Gross Margin: 75.41% > 18% (prev 0.72%; Δ 7.47k% > 0.5%) |
| Asset Turnover: 10.68% > 50% (prev 9.83%; Δ 0.85% > 0%) |
| Interest Coverage Ratio: 1.58 > 6 (EBITDA TTM 10.77b / Interest Expense TTM 4.91b) |
Altman Z'' 1.21
| A: 0.12 (Total Current Assets 45.47b - Total Current Liabilities 14.44b) / Total Assets 267.34b |
| B: 0.03 (Retained Earnings 6.92b / Total Assets 267.34b) |
| C: 0.03 (EBIT TTM 7.79b / Avg Total Assets 261.71b) |
| D: 0.16 (Book Value of Equity 36.67b / Total Liabilities 230.00b) |
| Altman-Z'' Score: 1.21 = BB |
Beneish M -3.27
| DSRI: 0.74 (Receivables 2.17b/2.64b, Revenue 27.95b/25.18b) |
| GMI: 0.95 (GM 75.41% / 71.61%) |
| AQI: 0.90 (AQ_t 0.82 / AQ_t-1 0.91) |
| SGI: 1.11 (Revenue 27.95b / 25.18b) |
| TATA: -0.01 (NI 6.91b - CFO 8.81b) / TA 267.34b) |
| Beneish M-Score: -3.27 (Cap -4..+1) = AA |
What is the price of BAP shares?
As of March 27, 2026, the stock is trading at USD 328.54 with a total of 204,725 shares traded.
Over the past week, the price has changed by +0.07%, over one month by -7.58%, over three months by +12.71% and over the past year by +80.89%.
Over the past week, the price has changed by +0.07%, over one month by -7.58%, over three months by +12.71% and over the past year by +80.89%.
Is BAP a buy, sell or hold?
Credicorp has received a consensus analysts rating of 4.23.
Therefore, it is recommended to buy BAP.
- StrongBuy: 7
- Buy: 3
- Hold: 2
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the BAP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 352.2 | 7.2% |
| Analysts Target Price | 352.2 | 7.2% |
BAP Fundamental Data Overview March 25, 2026
P/E Trailing = 13.3534
P/E Forward = 12.6422
P/S = 1.2646
P/B = 2.3221
P/EG = 4.5503
Revenue TTM = 27.95b USD
EBIT TTM = 7.79b USD
EBITDA TTM = 10.77b USD
Long Term Debt = 24.70b USD (from longTermDebt, last quarter)
Short Term Debt = 14.44b USD (from shortTermDebt, last quarter)
Debt = 34.54b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -8.76b USD (from netDebt column, last quarter)
Enterprise Value = 16.19b USD (26.18b + Debt 34.54b - CCE 44.52b)
Interest Coverage Ratio = 1.58 (Ebit TTM 7.79b / Interest Expense TTM 4.91b)
EV/FCF = 1.91x (Enterprise Value 16.19b / FCF TTM 8.46b)
FCF Yield = 52.26% (FCF TTM 8.46b / Enterprise Value 16.19b)
FCF Margin = 30.28% (FCF TTM 8.46b / Revenue TTM 27.95b)
Net Margin = 24.74% (Net Income TTM 6.91b / Revenue TTM 27.95b)
Gross Margin = 75.41% ((Revenue TTM 27.95b - Cost of Revenue TTM 6.87b) / Revenue TTM)
Gross Margin QoQ = 76.92% (prev 77.88%)
Tobins Q-Ratio = 0.06 (Enterprise Value 16.19b / Total Assets 267.34b)
Interest Expense / Debt = 4.37% (Interest Expense 1.51b / Debt 34.54b)
Taxrate = 31.15% (730.2m / 2.34b)
NOPAT = 5.36b (EBIT 7.79b * (1 - 31.15%))
Current Ratio = 3.15 (Total Current Assets 45.47b / Total Current Liabilities 14.44b)
Debt / Equity = 0.94 (Debt 34.54b / totalStockholderEquity, last quarter 36.60b)
Debt / EBITDA = -0.81 (Net Debt -8.76b / EBITDA 10.77b)
Debt / FCF = -1.04 (Net Debt -8.76b / FCF TTM 8.46b)
Total Stockholder Equity = 35.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.64% (Net Income 6.91b / Total Assets 267.34b)
RoE = 19.28% (Net Income TTM 6.91b / Total Stockholder Equity 35.87b)
RoCE = 12.86% (EBIT 7.79b / Capital Employed (Equity 35.87b + L.T.Debt 24.70b))
RoIC = 8.99% (NOPAT 5.36b / Invested Capital 59.62b)
WACC = 5.33% (E(26.18b)/V(60.71b) * Re(8.39%) + D(34.54b)/V(60.71b) * Rd(4.37%) * (1-Tc(0.31)))
Discount Rate = 8.39% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.17%
[DCF] Terminal Value 80.82% ; FCFF base≈8.46b ; Y1≈5.56b ; Y5≈2.54b
[DCF] Fair Price = 1.13k (EV 80.66b - Net Debt -8.76b = Equity 89.42b / Shares 79.4m; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -72.62 | EPS CAGR: -20.85% | SUE: -0.14 | # QB: 0
Revenue Correlation: 62.12 | Revenue CAGR: 17.12% | SUE: 3.26 | # QB: 1
EPS next Quarter (2026-06-30): EPS=6.96 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=29.27 | Chg7d=+0.137 | Chg30d=+0.410 | Revisions Net=+5 | Growth EPS=+13.2% | Growth Revenue=+8.6%
EPS next Year (2027-12-31): EPS=32.32 | Chg7d=+0.144 | Chg30d=+0.873 | Revisions Net=+4 | Growth EPS=+10.4% | Growth Revenue=+9.3%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.9% (Discount Rate 8.4% - Earnings Yield 7.5%)
[Growth] Growth Spread = +17.1% (Analyst 18.0% - Implied 0.9%)
P/E Forward = 12.6422
P/S = 1.2646
P/B = 2.3221
P/EG = 4.5503
Revenue TTM = 27.95b USD
EBIT TTM = 7.79b USD
EBITDA TTM = 10.77b USD
Long Term Debt = 24.70b USD (from longTermDebt, last quarter)
Short Term Debt = 14.44b USD (from shortTermDebt, last quarter)
Debt = 34.54b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -8.76b USD (from netDebt column, last quarter)
Enterprise Value = 16.19b USD (26.18b + Debt 34.54b - CCE 44.52b)
Interest Coverage Ratio = 1.58 (Ebit TTM 7.79b / Interest Expense TTM 4.91b)
EV/FCF = 1.91x (Enterprise Value 16.19b / FCF TTM 8.46b)
FCF Yield = 52.26% (FCF TTM 8.46b / Enterprise Value 16.19b)
FCF Margin = 30.28% (FCF TTM 8.46b / Revenue TTM 27.95b)
Net Margin = 24.74% (Net Income TTM 6.91b / Revenue TTM 27.95b)
Gross Margin = 75.41% ((Revenue TTM 27.95b - Cost of Revenue TTM 6.87b) / Revenue TTM)
Gross Margin QoQ = 76.92% (prev 77.88%)
Tobins Q-Ratio = 0.06 (Enterprise Value 16.19b / Total Assets 267.34b)
Interest Expense / Debt = 4.37% (Interest Expense 1.51b / Debt 34.54b)
Taxrate = 31.15% (730.2m / 2.34b)
NOPAT = 5.36b (EBIT 7.79b * (1 - 31.15%))
Current Ratio = 3.15 (Total Current Assets 45.47b / Total Current Liabilities 14.44b)
Debt / Equity = 0.94 (Debt 34.54b / totalStockholderEquity, last quarter 36.60b)
Debt / EBITDA = -0.81 (Net Debt -8.76b / EBITDA 10.77b)
Debt / FCF = -1.04 (Net Debt -8.76b / FCF TTM 8.46b)
Total Stockholder Equity = 35.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.64% (Net Income 6.91b / Total Assets 267.34b)
RoE = 19.28% (Net Income TTM 6.91b / Total Stockholder Equity 35.87b)
RoCE = 12.86% (EBIT 7.79b / Capital Employed (Equity 35.87b + L.T.Debt 24.70b))
RoIC = 8.99% (NOPAT 5.36b / Invested Capital 59.62b)
WACC = 5.33% (E(26.18b)/V(60.71b) * Re(8.39%) + D(34.54b)/V(60.71b) * Rd(4.37%) * (1-Tc(0.31)))
Discount Rate = 8.39% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.17%
[DCF] Terminal Value 80.82% ; FCFF base≈8.46b ; Y1≈5.56b ; Y5≈2.54b
[DCF] Fair Price = 1.13k (EV 80.66b - Net Debt -8.76b = Equity 89.42b / Shares 79.4m; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -72.62 | EPS CAGR: -20.85% | SUE: -0.14 | # QB: 0
Revenue Correlation: 62.12 | Revenue CAGR: 17.12% | SUE: 3.26 | # QB: 1
EPS next Quarter (2026-06-30): EPS=6.96 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=29.27 | Chg7d=+0.137 | Chg30d=+0.410 | Revisions Net=+5 | Growth EPS=+13.2% | Growth Revenue=+8.6%
EPS next Year (2027-12-31): EPS=32.32 | Chg7d=+0.144 | Chg30d=+0.873 | Revisions Net=+4 | Growth EPS=+10.4% | Growth Revenue=+9.3%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.9% (Discount Rate 8.4% - Earnings Yield 7.5%)
[Growth] Growth Spread = +17.1% (Analyst 18.0% - Implied 0.9%)