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BAP

Credicorp Ltd.

Price Chart
Latest Quote

$369.06

-4.96 (-1.33%)
Current Price
Previous Close $374.02
Open $376.00
Day High $378.12
Day Low $367.94
Volume 72,365
Fetched: 2026-10-27T17:38:09
Stock Information
Note: Financial values converted from PEN to USD
Quarterly Dividend / Yield $14.41 / 3.85%
Shares Outstanding 79.42M
Quarterly Dividend Yield 3.85%
Quarterly Dividend $14.41
Total Debt $8.05B
Cash Equivalents $11.30B
Revenue $6.45B
Net Income $2.14B
Sector Financial Services
Industry Banks - Regional
Market Cap $29.31B
P/E Ratio 13.90
EPS (TTM) $26.55
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$19.16B
Sales$6.45B
Income$2.14B
Book/sh$135.48
Cash/sh$491.07
Employees53K
Financial Ratios
EPS Growth TTM8.80%
Returns & Margins
ROA2.84%
ROE20.41%
Operating Margin49.40%
Profit Margin33.10%
Ownership
Insider Ownership14.67%
Institutional Ownership82.84%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E10.78
PEG4.55
P/S1.32
P/B2.72
Analyst Data
Recommendationbuy
Target Price$427.48
Technical Indicators
SMA20$380.24
SMA50$379.55
SMA200$351.82
RSI43.98
ATR10.5543
Shares Float53.21M
Short Float2.32%
Short Ratio3.82
Volatility0.87
Rel Volume0.23
Performance History
Week-5.50%
Month-4.38%
Quarter-3.87%
6 Months+20.51%
YTD+34.95%
Year+50.51%
3 Years+254.04%
5 Years+258.56%
10 Years+313.39%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-10-27 $369.06 72,365
2026-10-26 $374.02 324,800
2026-10-23 $370.21 341,500
2026-10-22 $371.05 437,800
2026-10-21 $388.38 392,500
2026-10-20 $390.55 386,600
2026-10-19 $383.95 256,400
2026-10-16 $390.26 417,600
2026-10-15 $388.42 360,200
2026-10-14 $383.94 335,700
2026-10-13 $380.69 287,800
2026-10-12 $381.87 143,500
2026-10-09 $381.21 258,600
2026-10-08 $380.38 342,200
2026-10-07 $376.11 199,800
2026-10-06 $385.14 279,600
2026-10-05 $378.07 399,700
2026-10-02 $373.31 247,100
2026-10-01 $378.35 503,500
2026-09-30 $379.87 367,100
2026-09-29 $384.03 351,400
2026-09-28 $385.95 197,100
About Credicorp Ltd.

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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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Total Revenue $7,003,302,308 $6,277,041,827 $5,766,357,126 $4,944,756,786
Operating Revenue $7,003,302,308 $6,277,041,827 $5,766,357,126 $4,944,756,786
Expenses
Interest Expense $1,439,411,471 $1,605,121,846 $1,641,775,862 $1,077,199,771
Rent Expense Supplemental $53,645,843 $44,041,170 $36,730,513 $32,304,235
Selling And Marketing Expense $150,198,841 $225,099,283 $210,428,625 $190,536,362
General And Administrative Expense $2,393,174,155 $2,121,301,146 $1,957,963,910 $1,808,651,201
Professional Expense And Contract Services Expense $131,073,584 $118,980,445 $98,310,955 $97,321,174
Other Non Interest Expense $383,585,424 $123,034,752 $116,366,138 $103,404,678
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $2,022,008,001 $1,606,205,641 $1,420,595,704 $1,357,027,233
Net Interest Income $4,354,134,561 $4,181,677,617 $3,833,382,122 $3,297,123,405
Interest Income $5,793,546,032 $5,786,799,463 $5,475,157,985 $4,374,323,176
Normalized Income $2,028,650,491 $1,662,175,446 $1,494,161,741 $1,359,082,638
Net Income From Continuing And Discontinued Operation $2,022,008,001 $1,606,205,641 $1,420,595,704 $1,357,027,233
Net Income Common Stockholders $2,022,008,001 $1,606,205,641 $1,420,595,704 $1,357,027,233
Net Income $2,022,008,001 $1,606,205,641 $1,420,595,704 $1,357,027,233
Net Income Including Noncontrolling Interests $2,067,928,296 $1,641,825,498 $1,448,139,647 $1,389,813,220
Net Income Continuous Operations $2,067,928,296 $1,641,825,498 $1,448,139,647 $1,389,813,220
Pretax Income $2,904,395,206 $2,284,533,564 $1,999,512,234 $2,006,017,928
Special Income Charges $-9,637,957 $-84,236,209 $-101,582,488 $-2,966,716
Depreciation Amortization Depletion Income Statement $260,771,402 $208,312,421 $192,410,814 $185,836,215
Depreciation And Amortization In Income Statement $260,771,402 $208,312,421 $192,410,814 $185,836,215
Depreciation Income Statement $260,771,402 $208,312,421 $192,410,814 $185,836,215
Per Share
Diluted EPS $25.42 $20.17 $17.83 $16.97
Basic EPS $25.47 $20.22 $17.87 $17.01
Other
Tax Effect Of Unusual Items $-2,686,854 $-21,909,908 $-28,016,450 $-911,310
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $-9,329,344 $-77,879,713 $-101,582,488 $-2,966,716
Total Unusual Items Excluding Goodwill $-9,329,344 $-77,879,713 $-101,582,488 $-2,966,716
Reconciled Depreciation $263,341,621 $210,968,771 $194,780,157 $187,911,252
Diluted Average Shares $23,220,873 $23,246,449 $23,257,087 $23,269,139
Basic Average Shares $23,175,901 $23,197,017 $23,205,202 $23,219,953
Diluted NI Availto Com Stockholders $2,022,008,001 $1,606,205,641 $1,420,595,704 $1,357,027,233
Minority Interests $-45,920,295 $-35,619,856 $-27,543,943 $-32,785,987
Tax Provision $836,466,910 $642,708,067 $551,372,587 $616,204,708
Gain On Sale Of Business $68,756,208 $0 $0 -
Other Special Charges $12,174,891 $18,424,819 $27,831,826 $2,966,716
Impairment Of Capital Assets $0 $7,984,234 $21,009,928 $0
Restructuring And Mergern Acquisition $66,219,274 $57,827,157 $52,740,733 $82,279,421
Gain On Sale Of Security $120,058,109 $111,914,459 $105,611,685 $-9,870,366
Selling General And Administration $2,543,372,996 $2,346,400,429 $2,168,392,536 $1,999,187,562
Other Gand A $723,054,641 $678,687,339 $642,815,512 $551,409,667
Insurance And Claims $95,694,020 $91,016,940 $85,770,808 $85,620,151
Rent And Landing Fees $53,645,843 $44,041,170 $36,730,513 $32,304,235
Salaries And Wages $1,520,779,651 $1,307,555,697 $1,192,647,077 $1,139,317,147
Occupancy And Equipment - - - $40,276,207
Fetched: 2026-10-12
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $9,810,965,829 $9,067,823,596 $8,535,622,397 $7,621,669,059
Total Assets $78,062,057,997 $74,770,497,805 $69,734,365,539 $68,734,064,459
Goodwill And Other Intangible Assets $1,391,064,023 $960,337,866 $941,751,588 $846,548,663
Other Intangible Assets $1,025,266,045 $749,429,533 $708,618,144 $621,085,000
Prepaid Assets $35,010,221 $66,232,705 $101,774,604 $54,415,186
Receivables $4,264,120,833 $3,580,263,275 $3,589,538,896 $3,590,746,487
Other Receivables $2,210,971,224 $1,819,744,924 $1,842,603,611 $2,300,703,784
Notes Receivable $1,196,698,172 $990,241,226 $925,806,478 $870,741,949
Accounts Receivable $856,451,437 $770,277,125 $821,128,807 $419,300,754
Cash And Cash Equivalents $14,284,126,675 $13,870,631,760 $9,883,290,505 $9,946,818,100
Cash Financial $1,543,428,411 $1,428,392,492 $1,526,261,695 $1,579,647,976
Cash Cash Equivalents And Federal Funds Sold $15,075,223,656 $14,413,112,960 $10,413,880,609 $10,286,886,441
Debt
Total Debt $7,390,666,710 $8,300,042,821 $7,995,926,015 $7,743,847,752
Long Term Debt And Capital Lease Obligation $6,841,577,043 $7,899,149,951 $7,515,071,972 $7,415,182,332
Long Term Debt $6,662,815,280 $7,780,955,200 $7,365,413,862 $7,246,401,592
Current Debt And Capital Lease Obligation $549,089,667 $400,892,870 $480,854,043 $328,665,421
Current Debt $549,089,667 $400,892,870 $480,854,043 $328,665,421
Liabilities
Total Liabilities Net Minority Interest $66,647,134,994 $64,558,166,112 $60,068,068,623 $60,093,125,851
Non Current Deferred Liabilities $110,055,189 $17,233,578 $31,391,827 $21,899,271
Non Current Deferred Taxes Liabilities $110,055,189 $17,233,578 $31,391,827 $21,899,271
Payables And Accrued Expenses $2,319,002,179 $2,188,109,909 $2,046,402,164 $1,952,511,355
Payables $1,809,172,077 $1,798,095,288 $1,730,472,510 $1,680,796,887
Other Payable $497,904,847 $482,336,671 $391,254,037 $437,765,281
Dividends Payable $25,757,374 $21,659,271 $18,387,154 $21,491,096
Total Tax Payable $211,221,326 $229,681,473 $212,277,969 $310,274,763
Income Tax Payable $211,221,326 $229,681,473 $212,277,969 $310,274,763
Accounts Payable $1,074,288,530 $1,064,417,872 $1,108,553,350 $911,265,747
Derivative Product Liabilities - - - $392,894,913
Equity
Common Stock Equity $11,202,029,852 $10,028,161,463 $9,477,373,985 $8,468,217,722
Total Equity Gross Minority Interest $11,414,923,004 $10,212,331,692 $9,666,296,916 $8,640,938,608
Stockholders Equity $11,202,029,852 $10,028,161,463 $9,477,373,985 $8,468,217,722
Gains Losses Not Affecting Retained Earnings $8,815,576,866 $8,005,049,227 $7,751,346,731 $-189,814,902
Other Equity Adjustments $8,815,576,866 $8,005,049,227 $7,751,346,731 $-189,814,902
Retained Earnings $2,019,189,607 $1,647,514,841 $1,335,020,224 $1,248,805,621
Long Term Equity Investment $19,076,789 $223,041,765 $218,587,750 $212,260,742
Other Equity Interest - - $7,751,346,731 $6,827,286,239
Other
Treasury Shares Number $4,384,155 $4,363,982 $4,346,306 $4,335,540
Ordinary Shares Number $23,172,728 $23,192,901 $23,210,577 $23,221,343
Share Issued $27,556,882 $27,556,882 $27,556,882 $27,556,882
Tangible Book Value $9,810,965,829 $9,067,823,596 $8,535,622,397 $7,621,669,059
Invested Capital $18,413,934,800 $18,210,009,532 $17,323,641,889 $16,043,284,734
Capital Lease Obligations $178,761,762 $118,194,751 $149,658,111 $168,780,740
Total Capitalization $17,864,845,133 $17,809,116,662 $16,842,787,847 $15,714,619,313
Minority Interest $212,893,151 $184,170,230 $188,922,931 $172,720,886
Treasury Stock $61,268,617 $60,986,573 $60,739,566 $60,589,201
Additional Paid In Capital $43,424,528 $51,476,499 $66,639,128 $67,607,595
Capital Stock $385,107,468 $385,107,468 $385,107,468 $385,107,468
Common Stock $385,107,468 $385,107,468 $385,107,468 $385,107,468
Long Term Capital Lease Obligation $178,761,762 $118,194,751 $149,658,111 $168,780,740
Long Term Provisions $291,005,272 $300,921,769 $295,050,820 $374,520,606
Commercial Paper $549,089,667 $400,892,870 $480,854,043 $328,665,421
Current Accrued Expenses $509,830,103 $390,014,621 $315,929,654 $271,714,468
Investments And Advances $14,503,543,038 $14,265,366,382 $13,710,579,780 $12,343,456,197
Available For Sale Securities $4,836,827,728 $4,054,532,208 $3,922,917,602 $3,466,067,648
Goodwill $365,797,978 $210,908,334 $233,133,444 $225,463,663
Net PPE $854,445,597 $581,151,859 $571,725,289 $553,774,631
Accumulated Depreciation $-891,044,432 $-864,099,321 $-817,602,676 $-778,147,783
Gross PPE $1,745,490,029 $1,445,251,179 $1,389,327,964 $1,331,922,414
Leases $405,342,505 $294,713,302 $276,838,848 $256,691,694
Construction In Progress $29,920,586 $26,574,308 $34,235,038 $17,164,089
Other Properties $342,474,473 $310,435,639 $284,056,659 $266,261,329
Machinery Furniture Equipment $396,466,301 $384,634,183 $365,655,204 $347,311,845
Buildings And Improvements $416,757,105 $343,009,363 $333,034,764 $334,862,793
Land And Improvements $154,529,060 $85,884,385 $95,507,451 $109,630,663
Other Short Term Investments $9,647,638,521 $9,987,792,409 $9,569,074,428 $8,665,127,806
Employee Benefits - - $315,929,654 $271,714,468
Fetched: 2026-10-12
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $2,142,341,731 $3,915,521,105 $855,049,685 $-597,895,509
Operating Activities
Operating Cash Flow $2,512,759,563 $4,240,027,401 $1,191,158,902 $-336,181,626
Cash Flow From Continuing Operating Activities $2,512,759,563 $4,240,027,401 $1,191,158,902 $-336,181,626
Operating Gains Losses $-221,210,524 $-185,399,719 $-164,120,010 $-33,781,316
Investing Activities
Capital Expenditure $-370,417,832 $-324,506,296 $-336,109,217 $-261,713,884
Investing Cash Flow $-465,148,348 $154,031,834 $-366,442,065 $-319,697,829
Cash Flow From Continuing Investing Activities $-465,148,348 $154,031,834 $-366,442,065 $-319,697,829
Financing Activities
Repurchase Of Capital Stock $-34,817,812 $-32,377,812 $-24,985,403 $-24,410,220
Financing Cash Flow $-536,516,820 $-528,590,104 $-661,124,710 $-467,391,268
Cash Flow From Continuing Financing Activities $-536,516,820 $-528,590,104 $-661,124,710 $-467,391,268
Net Other Financing Charges $-40,519,710 $-41,914,747 $-18,634,746 $-15,898,979
Cash Dividends Paid $-928,891,733 $-1,069,970,282 $-582,200,618 $-349,320,312
Common Stock Dividend Paid $-928,891,733 $-1,069,970,282 $-582,200,618 $-349,320,312
Net Common Stock Issuance $-34,817,812 $-32,377,812 $-24,985,403 $-21,505,403
Issuance Of Capital Stock - $0 $0 $2,904,818
Common Stock Issuance - $0 $0 $2,904,818
Other
Repayment Of Debt $-44,642,046 $-44,581,900 $-45,952,119 $-45,701,900
Interest Paid Supplemental Data $1,506,591,913 $1,708,782,582 $1,483,364,174 $831,398,005
End Cash Position $14,298,891,931 $13,889,081,980 $9,903,829,484 $9,962,325,254
Beginning Cash Position $13,889,081,980 $9,903,829,484 $9,962,325,254 $11,472,568,554
Effect Of Exchange Rate Changes $-1,101,284,444 $119,783,365 $-222,087,896 $-386,972,577
Changes In Cash $1,511,094,395 $3,865,469,131 $163,592,126 $-1,123,270,723
Interest Paid Cff $-10,852,263 $-6,665,110 $-7,466,862 $-7,315,037
Common Stock Payments $-34,817,812 $-32,377,812 $-24,985,403 $-24,410,220
Net Issuance Payments Of Debt $478,564,700 $622,337,847 $-27,837,082 $-73,351,537
Net Long Term Debt Issuance $478,564,700 $622,337,847 $-27,837,082 $-73,351,537
Long Term Debt Payments $-44,642,046 $-44,581,900 $-45,952,119 $-45,701,900
Net Investment Purchase And Sale $124,013,146 $456,662,508 $-33,229,491 $-34,007,885
Sale Of Investment $251,074,467 $508,224,847 $363,630,386 $293,817,535
Purchase Of Investment $-127,061,321 $-51,562,339 $-396,859,877 $-327,825,421
Net Investment Properties Purchase And Sale $-53,220,733 $-6,802,628 $-10,997,665 $-25,544,819
Sale Of Investment Properties $374,307 $13,751,826 $0 -
Purchase Of Investment Properties $-53,595,040 $-20,554,454 $-10,997,665 $-25,544,819
Net Business Purchase And Sale $-212,315,341 $0 $-1,624,526 $0
Purchase Of Business $-212,315,341 $0 $-1,624,526 $0
Net Intangibles Purchase And Sale $-287,290,820 $-233,953,298 $-241,986,292 $-205,451,107
Purchase Of Intangibles $-287,290,820 $-233,953,298 $-241,986,292 $-205,451,107
Net PPE Purchase And Sale $-36,334,601 $-61,874,748 $-78,604,092 $-54,694,018
Sale Of PPE $46,792,411 $28,678,250 $15,518,833 $1,568,759
Purchase Of PPE $-83,127,012 $-90,552,998 $-94,122,925 $-56,262,777
Taxes Refund Paid $-776,826,615 $-497,265,723 $-624,566,460 $-323,086,734
Change In Working Capital $287,776,367 $1,741,584,919 $-937,071,588 $-2,248,807,431
Change In Other Working Capital $5,513,220,177 $2,786,091,258 $30,861,024 $838,881,509
Change In Other Current Liabilities $1,513,561,548 $693,503,106 $760,305,738 $907,254,360
Change In Other Current Assets $-962,731,443 $-212,632,129 $55,440,295 $302,451,405
Change In Receivables $-460,489,078 $0 $0 -
Other Non Cash Items $45,978,981 $154,429,790 $95,503,071 $4,675,329
Stock Based Compensation $43,514,455 $30,612,557 $24,329,344 $23,847,885
Asset Impairment Charge $0 $7,984,234 $21,009,928 $0
Deferred Tax $-36,707,739 $-16,041,753 $-22,215,476 $33,011,097
Deferred Income Tax $-36,707,739 $-16,041,753 $-22,215,476 $33,011,097
Depreciation Amortization Depletion $263,341,621 $210,968,771 $194,780,157 $187,911,252
Depreciation And Amortization $263,341,621 $210,968,771 $194,780,157 $187,911,252
Depreciation $263,341,621 $210,968,771 $194,780,157 $187,911,252
Gain Loss On Investment Securities $-116,988,620 $-105,779,568 $-124,129,642 $-1,596,496
Gain Loss On Sale Of PPE $-10,988,614 $-19,864,819 $-482,920 $-4,373,431
Gain Loss On Sale Of Business $-68,756,208 $0 $0 -
Net Income From Continuing Operations $2,067,928,296 $1,641,825,498 $1,448,139,647 $1,389,813,220
Fetched: 2026-10-12