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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 $369.55, about 41.1% undervalued vs fair value, +70.1% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 42.6% ROE 18.0% Gross Margin 76.3% Div Yield 11.07%
USD 369.55
0.32%
(Delayed)
• Vol 90d: 46.7%
52-Week Range
Market Cap
$33.19B
Enterprise Value
$7.47B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Aug 13

Fair Value Snapshot

Bear Base Bull
$289
$521
$977
Current: $369.55 +41% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$19.8B
0.1%%
Interest Expense
$4.9B
Net Interest Income
$14.9B
4.1%%
Total Revenue
$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

$3.1B
44.9% 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
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
79
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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 (29.1%), Profitability (39.6%), and Safety (31.3%). Growth 29% Safety 31% Profitability 40%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

61th percentile vs peers
61
Key Signals
NII Growth YoY 9.1% 76p Asset Growth YoY 4.4% 54p EPS Growth YoY 13.1% 62p Equity Growth YoY 5.8% 46p
Strengths
  • Net Interest Margin in top 20% of peers (5.5%, 93th percentile)
  • ROTE in top 20% of peers (18.2%, 85th percentile)
  • ROE in top 20% of peers (18.0%, 91th percentile)
  • ROA in top 20% of peers (2.2%, 90th percentile)
Risks

No significant risks identified for this axis.

Profitability

83th percentile vs peers
83
Key Signals
Strengths
Risks
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Safety

65th percentile vs peers
66
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
$521.45
- - -
+41.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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