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Company Analysis

Credicorp Ltd. BAP

A comprehensive view of key metrics, scores, and financial health for Credicorp Ltd.

Overview of Credicorp Ltd.

BAP NYQ
Financial Services Banks - Regional Framework: Banks & Lenders Large Cap
Credicorp Ltd. (BAP), is a Large Cap company, in the Banks - Regional industry, last closed at $350.98, about 58.9% overvalued vs fair value, +35.6% 1Y return, placing in the top 10% of its sector.
Metrics P/E 11.1× Rev Growth 11.6% ROE 19.1% Gross Margin 96.3% Div Yield 3.49%
USD 350.98
0.58%
(Delayed)
• Vol 90d: 24.2%
52-Week Range
Market Cap
$33.13B
Enterprise Value
$26.95B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 94%
Confidence: 95%
Updated: Oct 31
Top Beats

Quick Facts

Website https://grupocredicorp.com
HQ Lima
Employees 51,005
Fiscal year Dec 31

Next Events

Earnings Nov 9 Call: Nov 10

Fair Value Snapshot

Bear Base Bull
$80
$144
$270
Current: $350.98 -59% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
PEN 19.8B
0.1%%
Interest Expense
PEN 4.9B
Net Interest Income
PEN 14.9B
4.1%%
Total Revenue
PEN 24.0B
11.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
18.1%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

PEN 3.3B
47.7% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Credicorp Ltd.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.84).
  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.71).

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.30).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
77
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing BAP's balance between Growth (24.8%), Profitability (45.3%), and Safety (29.9%). Growth 25% Safety 30% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

46th percentile vs peers
47
Key Signals
Asset Growth YoY 4.4% 48p Equity Growth YoY 11.7% 61p EPS Growth YoY 26.0% 60p NII Growth YoY 4.1% 28p
Strengths
  • Net Interest Margin in top 20% of peers (5.6%, 94th percentile)
  • ROTE in top 20% of peers (21.4%, 93th percentile)
  • ROA in top 20% of peers (2.6%, 95th percentile)
  • ROE in top 20% of peers (19.1%, 93th percentile)
Risks

No significant risks identified for this axis.

Profitability

85th percentile vs peers
86
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
56
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Credicorp Ltd..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$144.11
- - -
-58.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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