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Credicorp Ltd. BAP

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354.82 USD +3.56 (+1.01%)

Nov 4, 2026, 11:27 AM EST

354.13 Day range 362.96
230.45 52-week range 413.25
YTD
+23.63%
1 year
+37.86%

Financial health

Altman Z-Score

0.59 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 2
  • P/E 2
  • P/B 1

Valuation

P/E 11.1×
FY 2016: 12.0×FY 2017: 13.0×FY 2018: 14.9×FY 2019: 13.2×FY 2020: 136×FY 2021: 10.8×FY 2022: 8.9×FY 2023: 9.1×FY 2024: 10.0×FY 2025: 11.1×
FY 2016 5y median 10.0× FY 2025
P/S 2.7×
FY 2016: 2.7×FY 2017: 3.3×FY 2018: 3.6×FY 2019: 3.1×FY 2020: 2.6×FY 2021: 2.0×FY 2022: 2.0×FY 2023: 1.7×FY 2024: 2.0×FY 2025: 2.7×
FY 2016 5y median 2.0× FY 2025
P/B 2.1×
FY 2016: 2.1×FY 2017: 2.5×FY 2018: 2.5×FY 2019: 2.1×FY 2020: 1.9×FY 2021: 1.5×FY 2022: 1.4×FY 2023: 1.4×FY 2024: 1.6×FY 2025: 2.1×
FY 2016 5y median 1.5× FY 2025
P/FCF 10.0×
FY 2016: -24.0×FY 2017: 6.0×FY 2018: -69.7×FY 2019: 8.7×FY 2020: 3.9×FY 2021: 11.6×FY 2022: -20.0×FY 2023: 15.1×FY 2024: 4.1×FY 2025: 10.0×
FY 2016 5y median 10.0× FY 2025
EV/EBITDA 6.3×
FY 2016: 12.1×FY 2017: 11.3×FY 2018: 11.7×FY 2019: 9.5×FY 2020: 68.1×FY 2021: 7.8×FY 2022: 6.2×FY 2023: 6.4×FY 2024: 5.3×FY 2025: 6.3×
FY 2016 5y median 6.3× FY 2025
EV/Sales 2.4×
FY 2016: 4.2×FY 2017: 4.1×FY 2018: 4.3×FY 2019: 3.5×FY 2020: 3.4×FY 2021: 2.4×FY 2022: 2.3×FY 2023: 1.9×FY 2024: 1.7×FY 2025: 2.4×
FY 2016 5y median 2.3× FY 2025
FCF Yield 10.0%
FY 2016: -4.2%FY 2017: 16.6%FY 2018: -1.4%FY 2019: 11.5%FY 2020: 25.6%FY 2021: 8.6%FY 2022: -5.0%FY 2023: 6.6%FY 2024: 24.4%FY 2025: 10.0%
FY 2016 5y median 8.6% FY 2025

Profitability

Gross Margin 73.7%
FY 2016: 69.1%FY 2017: 70.6%FY 2018: 71.9%FY 2019: 71.1%FY 2020: 49.8%FY 2021: 79.9%FY 2022: 71.6%FY 2023: 61.9%FY 2024: 64.2%FY 2025: 73.7%
FY 2016 5y median 71.6% FY 2025
Operating Margin 34.4%
FY 2016: 31.8%FY 2017: 34.0%FY 2018: 33.7%FY 2019: 33.3%FY 2020: 1.2%FY 2021: 27.7%FY 2022: 33.3%FY 2023: 27.0%FY 2024: 29.0%FY 2025: 34.4%
FY 2016 5y median 29.0% FY 2025
Net Margin 23.9%
FY 2016: 22.9%FY 2017: 25.0%FY 2018: 24.0%FY 2019: 23.8%FY 2020: 1.9%FY 2021: 18.7%FY 2022: 22.5%FY 2023: 19.2%FY 2024: 20.4%FY 2025: 23.9%
FY 2016 5y median 20.4% FY 2025
ROE 18.9%
FY 2016: 17.9%FY 2017: 18.8%FY 2018: 16.7%FY 2019: 16.3%FY 2020: 1.4%FY 2021: 13.6%FY 2022: 16.0%FY 2023: 15.0%FY 2024: 16.0%FY 2025: 18.9%
FY 2016 5y median 16.0% FY 2025
ROIC 2.6%
FY 2016: 5.3%FY 2017: 5.9%FY 2018: 5.8%FY 2019: 6.0%FY 2020: 0.2%FY 2021: 4.1%FY 2022: 5.6%FY 2023: 5.7%FY 2024: 6.3%FY 2025: 2.6%
FY 2016 5y median 5.6% FY 2025
ROA 2.6%
FY 2016: 2.2%FY 2017: 2.4%FY 2018: 2.2%FY 2019: 2.3%FY 2020: 0.1%FY 2021: 1.5%FY 2022: 2.0%FY 2023: 2.0%FY 2024: 2.1%FY 2025: 2.6%
FY 2016 5y median 2.0% FY 2025

Growth (YoY)

Revenue 7.1%
FY 2016: 6.5%FY 2017: 6.6%FY 2018: 1.3%FY 2019: 8.2%FY 2020: 1.5%FY 2021: 5.5%FY 2022: 7.3%FY 2023: 23.0%FY 2024: 6.4%FY 2025: 7.1%
FY 2016 FY 2025
Operating Income 27.1%
FY 2016: 12.2%FY 2017: 14.0%FY 2018: 0.3%FY 2019: 6.9%FY 2020: -96.2%FY 2021: 2279.0%FY 2022: 28.8%FY 2023: -0.3%FY 2024: 14.3%FY 2025: 27.1%
FY 2016 FY 2025
EPS (diluted) 25.6%
FY 2016: 13.7%FY 2017: 16.3%FY 2018: -2.6%FY 2019: 7.1%FY 2020: -91.9%FY 2021: 931.9%FY 2022: 29.2%FY 2023: 5.1%FY 2024: 13.1%FY 2025: 25.6%
FY 2016 FY 2025
Free Cash Flow -42.3%
FY 2016: -0.8%FY 2017: 606.3%FY 2018: -109.6%FY 2019: 853.6%FY 2020: 87.5%FY 2021: -72.3%FY 2022: -161.4%FY 2023: 243.0%FY 2024: 357.9%FY 2025: -42.3%
FY 2016 FY 2025

Financial Health

Current Ratio 3.2×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 3.2×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 3.2×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 3.2×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.9×
FY 2016: 2.0×FY 2017: 1.7×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 2.0×FY 2021: 1.8×FY 2022: 1.4×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 0.9×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA -0.8×
FY 2016: 4.1×FY 2017: 2.4×FY 2018: 1.9×FY 2019: 1.0×FY 2020: 15.8×FY 2021: 1.4×FY 2022: 0.7×FY 2023: 0.5×FY 2024: -1.2×FY 2025: -0.8×
FY 2016 5y median 0.5× FY 2025
Interest Coverage 2.0×
FY 2016: 1.7×FY 2017: 1.9×FY 2018: 1.8×FY 2019: 1.8×FY 2020: 0.1×FY 2021: 2.1×FY 2022: 1.8×FY 2023: 1.2×FY 2024: 1.4×FY 2025: 2.0×
FY 2016 5y median 1.8× FY 2025

Dividends

Dividend Yield 3.9%
FY 2016: 1.6%FY 2017: 4.2%FY 2018: 1.9%FY 2019: 4.0%FY 2020: 5.1%FY 2021: 1.0%FY 2022: 2.9%FY 2023: 4.5%FY 2024: 6.7%FY 2025: 3.9%
FY 2016 5y median 3.9% FY 2025
Payout Ratio 43.3%
FY 2016: 18.6%FY 2017: 54.6%FY 2018: 28.4%FY 2019: 52.4%FY 2020: 689.8%FY 2021: 11.1%FY 2022: 25.7%FY 2023: 41.0%FY 2024: 66.6%FY 2025: 43.3%
FY 2016 5y median 41.0% FY 2025

Annual · latest fiscal year ends 2025-12-31