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Overview
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Credicorp stock

BAP
BMG2519Y1084
899417

Price

688.42
Today +/-
+1.64
Today %
+0.93 %

Credicorp stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Credicorp stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Credicorp stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Credicorp stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Credicorp's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Credicorp Stock Price History

DateCredicorp Price
2/13/2025688.42 undefined
2/12/2025682.06 undefined
2/11/2025686.28 undefined
2/10/2025699.37 undefined
2/9/2025708.90 undefined
2/6/2025707.09 undefined
2/5/2025716.84 undefined
2/4/2025696.54 undefined
2/3/2025691.00 undefined
2/2/2025677.42 undefined
1/30/2025683.21 undefined
1/29/2025689.12 undefined
1/28/2025684.39 undefined
1/27/2025677.45 undefined
1/26/2025678.62 undefined
1/23/2025675.61 undefined
1/22/2025677.70 undefined
1/21/2025679.64 undefined
1/20/2025681.63 undefined

Credicorp Revenue, EBIT, Net Income

  • 3 years

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  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Credicorp, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Credicorp from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Credicorp’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Credicorp. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Credicorp’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Credicorp’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Credicorp’s growth potential.

Credicorp Revenue, EBIT and net profit per share

DateCredicorp RevenueCredicorp Net Income
2027e25.9 B undefined7.61 B undefined
2026e24.68 B undefined7.15 B undefined
2025e23.07 B undefined6.47 B undefined
2024e21.68 B undefined5.76 B undefined
202327.66 B undefined4.87 B undefined
202223.01 B undefined4.63 B undefined
202119.45 B undefined3.59 B undefined
202018.38 B undefined347 M undefined
201919.7 B undefined4.27 B undefined
201818.03 B undefined3.98 B undefined
201717.73 B undefined4.09 B undefined
201616.82 B undefined3.52 B undefined
201515.77 B undefined3.09 B undefined
201414.8 B undefined2.39 B undefined
201312.56 B undefined1.54 B undefined
201211.1 B undefined2.08 B undefined
20119.05 B undefined1.95 B undefined
20107.85 B undefined1.61 B undefined
20097.43 B undefined1.41 B undefined
20086.87 B undefined1.05 B undefined
20076 B undefined1.1 B undefined
20064.54 B undefined753 M undefined
20053.58 B undefined642 M undefined
20043.35 B undefined463 M undefined

Credicorp Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
19931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e
0.780.991.42.323.023.584.053.743.583.043.163.353.584.5466.877.437.859.0511.112.5614.815.7716.8217.7318.0319.718.3819.4523.0127.6621.6823.0724.6825.9
-26.9540.9565.4530.3318.5712.98-7.56-4.30-15.064.015.857.0526.6732.2514.468.135.6915.2722.6413.1317.816.536.695.401.689.29-6.695.8018.3120.21-21.636.446.984.92
-----------------------------------
00000000000000000000000000000000000
00000000000000000000000000000009.8310.2611.0814.11
-----------------------------------
0.070.110.190.320.280.10.160.060.20.160.30.460.640.751.11.051.411.611.952.081.542.393.093.524.093.984.270.353.594.634.875.766.477.157.61
-56.7281.9064.92-12.06-62.8250.49-64.52256.36-18.3784.3856.9538.6617.2945.68-4.7435.2214.2320.946.56-26.0655.2729.4813.6816.42-2.647.05-91.86933.1429.235.0118.2912.3410.636.46
-----------------------------------
-----------------------------------
45457481818181807980808080808080808080808080808080808080808079.660000
-----------------------------------
Details

Keystats

Revenue and Growth

The Credicorp Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Credicorp is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (B)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (B)GOODWILL (M)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (B)OTHER EQUITY (B)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (B)OTHER SHORT-TERM LIAB. (B)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
1996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                       
0000000000000000000000000000
0000000000000000000000000000
0000000000000000000000000000
0000000000000000000000000000
0000000000000000000000000000
0000000000000000000000000000
0.650.740.920.980.930.891.020.920.810.850.820.821.030.981.051.271.512.022.092.092.061.971.922.72.552.362.372.42
25220123297885523561478594711801142725303606481631700709582629646659727748.66
0000000000000000000000000000
0.050.050.060.0900.10.080.080.060.20.690.420.490.580.650.720.971.151.291.271.331.341.461.671.821.912.132.43
12912614413712610910111311000262284408397504970920740631636636591866821797772798.48
0.01000000.050.070.050.110.120.20.210.240.320.2600.340.470.530.510.480.460.521.691.181.131.18
1.081.121.351.31.941.621.81.651.631.872.431.722.042.232.442.793.444.54.675.155.225.145.026.387.526.917.137.58
1.081.121.351.31.941.621.81.651.631.872.431.722.042.232.442.793.444.54.675.155.225.145.026.387.526.917.137.58
                                                       
0.931.171.491.661.661.621.651.631.551.611.511.411.481.361.321.271.21.321.321.321.321.321.321.321.321.321.321.32
385402465517511478492486461481449422441376336300275276303284281272246226193229232228.24
0.550.620.630.710.840.911.291.722.232.743.413.65.175.586.879.3410.4511.5413.9717.0618.9221.7723.8121.7824.9228.331.12
000000000000001.030.92001.020.761.211.460.711.091.870.24-0.650.3
0000000000000000000000000000
1.872.192.592.893.0133.143.413.734.324.695.245.526.918.279.3610.8212.0414.1916.3419.8721.9724.0526.4525.1626.7129.232.96
0.150.190.40.4600.280.4300000.10.180.140.170.24.794.5810.181.541.742.1111.052.212.252.542.562.79
000000000000000.550.4200.4300.610.680.6400.760.610.830.981.08
000000000000000000.10.270.380.290.480.680.650.290.411.140.79
1.3822.251.170.90.440.441.181.73.692.084.513.73.3787.226.857.17014.615.1313.4207.6827.9222.0112.9710.17
0000000000000000000000000000
1.532.182.651.620.90.720.871.181.73.692.084.613.873.518.727.8411.6412.2810.4417.1317.8416.6511.7311.2931.0825.7917.6414.83
0.390.761.241.180.981.642.341.451.391.471.644.716.076.888.3610.6912.214.1324.3223.8623.212423.3624.422.8525.4626.2326.96
013254404988106100105210000473295035426513917315010913410610572107.52
0.711.031.021.041.751.341.341.722.033.643.954.185.2353.694.057.266.267.88.88.79.7112.712.7615.116.3315.5115.71
1.11.82.282.272.733.033.763.273.525.215.798.8911.311.8812.5215.0319.4620.7532.3832.7932.0833.8736.1737.2838.0641.8941.8242.78
2.623.984.933.893.623.754.644.465.228.97.8713.515.1715.3921.2422.8831.133.0442.8349.9249.9150.5247.948.5769.1467.6859.4557.62
4.496.177.516.786.636.747.787.868.9513.2212.5618.7420.6922.329.5132.2441.9245.0857.0166.2669.7872.4871.9575.0294.394.3988.6590.58
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Credicorp provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Credicorp's financial health and stability.

Assets

Credicorp's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Credicorp must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Credicorp after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Credicorp's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (B)PAID INTEREST (B)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
0.20.280.290.120.150.060.190.150.280.480.640.811.161.081.521.71.992.131.562.423.163.614.184.074.350.333.674.754.96
436687113148166164156167159128165160168214232258286328434396407426437639677690690659
001801615-715-22-38-16-47-13-26-46-25-43-29-253-11728-491-53-1,1475471130
0.080.04-0.490.950.230.53-0.10.131.251.693.310.982.99-0.25-3.47.14-6.657.221.74-4.45-4.78-5.414.9-5.441.6411.89-1.98-7.49-3.44
0-0.030.020.030.040.150.140.110.110.090.1-0.01-0.070.340.210.38-0.1-0.070.130.090.02-0.02-0.090.70.471.041.110.9-0.53
00000000000000001.391.772.092.100000.040.030.030.030
0.060.130.120.030.020.010.010.010.210.150.160.320.270.370.4300.71.20.631.030.951.111.021.111.171.161.131.112.14
0.320.36-0.081.210.580.910.40.541.822.44.141.934.191.32-1.499.21-4.549.453.66-1.83-1.38-1.469.3-0.256.9312.693.97-1.131.65
-50-129-129-162-113-81-108-80-104-140-161-144-169-267-136-419-430-595-836-302-425-386-416-601-507-633-640-896-322
-1.79-2.6-1.54-1.690.74-0.430.040.6-3.45-1.53-2.13-2-4.990.110.452.99-7.46-5.64-1.852.3-1.52-1.890.41-0.060.73-1.87-3.73-1.09-1.25
-1.74-2.47-1.42-1.520.86-0.350.150.68-3.34-1.39-1.97-1.85-4.820.370.593.41-7.03-5.05-1.012.6-1.09-1.50.820.541.23-1.24-3.09-0.2-0.93
00000000000000000000000000000
0.370.840.670.13-1.480.150.120.01-0.250.110.980.542.131.021.371.673.971.211.27-0.360.67-0.4-0.040-1.130.520.03-0.254.62
00000-23-3310010000-35-42-48-49-67-46-73-67-71-95-103-152-55-73-85
22.842.51-0.1-1.320.10.06-0.1-0.33-00.770.261.80.670.981.243.52.080.67-10.05-1.61-2.34-1.45-3.55-2.09-0.47-1.60.16
1.632.071.92-0.130.220000000000001.40-0.160-0.490-0.22-0.09-0.07-0.04-0.08-2.38
0-70-82-97-55-28-28-112-83-109-210-287-324-350-359-383-428-484-535-429-540-653-2,232-1,130-2,233-2,393-399-1,196-1,994
0.530.610.91-0.57-0.070.560.511-1.970.792.690.241.062.020.2113.3-8.376.191.75-0.070.36-5.416.58-1.053.8110.762.56-5.17-0.2
270230-2041,0524698242884591,7132,2623,9831,7894,0231,055-1,6268,788-4,9728,8562,828-2,127-1,807-1,8448,885-8536,42712,0543,333-2,031.251,325.76
00000000000000000000000000000

Credicorp stock margins

The Credicorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Credicorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Credicorp.
  • 3 years

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  • Max

Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Credicorp's sales revenue. A higher gross margin percentage indicates that the Credicorp retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Credicorp's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Credicorp's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Credicorp's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Credicorp. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Credicorp's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Credicorp Margin History

DateCredicorp Profit margin
2027e29.4 %
2026e28.97 %
2025e28.02 %
2024e26.55 %
202317.59 %
202220.14 %
202118.43 %
20201.89 %
201921.65 %
201822.1 %
201723.08 %
201620.9 %
201519.61 %
201416.14 %
201312.24 %
201218.73 %
201121.56 %
201020.55 %
200919.01 %
200815.21 %
200718.27 %
200616.59 %
200517.91 %
200413.83 %

Credicorp Stock Sales Revenue, EBIT, Earnings per Share

The Credicorp earnings per share therefore indicates how much revenue Credicorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 years

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  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Credicorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Credicorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Credicorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Credicorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Credicorp Revenue, EBIT and net profit per share

DateCredicorp Sales per ShareCredicorp Earnings per Share
2027e326.06 undefined95.87 undefined
2026e310.76 undefined90.04 undefined
2025e290.48 undefined81.39 undefined
2024e272.89 undefined72.46 undefined
2023347.23 undefined61.08 undefined
2022287.61 undefined57.91 undefined
2021243.1 undefined44.81 undefined
2020229.78 undefined4.34 undefined
2019246.24 undefined53.31 undefined
2018225.31 undefined49.8 undefined
2017221.6 undefined51.15 undefined
2016210.24 undefined43.94 undefined
2015197.06 undefined38.65 undefined
2014184.98 undefined29.85 undefined
2013157.01 undefined19.23 undefined
2012138.79 undefined26 undefined
2011113.16 undefined24.4 undefined
201098.18 undefined20.18 undefined
200992.89 undefined17.66 undefined
200885.9 undefined13.06 undefined
200775.05 undefined13.71 undefined
200656.75 undefined9.41 undefined
200544.8 undefined8.03 undefined
200441.85 undefined5.79 undefined

Credicorp business model

Credicorp Ltd is a leading financial services company headquartered in Lima, Peru. It was founded in 1995 and has since made history. It is the leading financial services provider in Peru and is among the largest financial institutions in Latin America. The business model of Credicorp Ltd is focused on offering a comprehensive range of financial services to meet the needs of its customers in Peru and other Latin American countries. The company's various business segments include banking, investment banking, insurance, leasing, and asset management. In the banking business, Credicorp Ltd offers a wide range of products and services, including deposit and credit products as well as debit and credit cards. The bank is known for its strong capital position and ability to generate stable returns. Credicorp Ltd's investment banking division offers advisory and financing services. These include mergers and acquisitions, equity and bond issuances, and structured finance. The company is known for its strong presence in the Peruvian market and its ability to bring together investors and companies. Credicorp Ltd's insurance business includes a wide range of insurance products, including life insurance, health insurance, and property insurance. The company is one of the most important players in the Peruvian insurance market and has experienced strong growth in other Latin American countries. Credicorp Ltd's leasing division offers various leasing solutions to meet the needs of businesses. This includes vehicle, machinery, and technology leasing as well as leasing of industrial equipment. The company is particularly strong in Peru and has served over 1,500 customers since 1996. Credicorp Ltd's asset management division offers a wide range of investment and asset management services. These include both traditional and alternative investment strategies as well as financial planning and advisory. Credicorp Asset Management has extensive experience in asset management and covers the entire Latin American region. Credicorp faces industry challenges and focuses on a consistent growth strategy. In recent years, the company has undertaken significant expansion, both organically and through strategic acquisitions and partnerships. Of particular significance are the acquisition of El Pacifico Vida Compania de Seguros y Reaseguros and the acquisition of Atlantic Security Bank in Panama. Credicorp Ltd is able to offer innovative and customized solutions to its customers while focusing on their needs. The company also has a strong corporate social responsibility (CSR) and is involved in social projects and nonprofit organizations. Overall, Credicorp Ltd is a leading financial services company in Peru and Latin America that focuses on comprehensive financial services that meet the needs of its customers. The company has experienced extensive growth in recent years and has gained a high reputation for its innovative solutions and CSR. Credicorp is one of the most popular companies on Eulerpool.com.

Credicorp SWOT Analysis

Strengths

Credicorp Ltd is the leading financial holding company in Peru, offering a diverse range of financial products and services.

Strong brand reputation and market presence in the Peruvian financial industry.

Wide customer base and established relationships with corporate, retail, and institutional clients.

Extensive distribution network enables Credicorp to reach customers across various regions of Peru.

Weaknesses

Dependency on the Peruvian market exposes Credicorp to economic and political uncertainties specific to Peru.

Limited international presence compared to some global competitors, potentially constraining growth opportunities.

Regulatory environment in Peru may pose challenges to business operations and expansion plans.

Opportunities

Growing Peruvian economy and increasing middle class provide a favorable market for Credicorp to expand its customer base and offer new financial products.

Increasing demand for digital banking services presents opportunities for Credicorp to enhance its technological capabilities and improve customer experience.

Expansion into other Latin American countries with similar economic characteristics could diversify Credicorp's revenue streams and reduce dependence on the Peruvian market.

Threats

Intense competition from domestic and international financial institutions puts pressure on Credicorp's market share and profitability.

Economic downturns or financial crises in Peru could lead to increased loan defaults and credit risk for Credicorp.

Rapid technological advancements may disrupt traditional banking models and require significant investments in digital transformation for Credicorp to remain competitive.

Credicorp Revenue by Region

  • 3 years

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Details

Revenue by Segment

Overview of Revenue by Region

The chart shows revenues by region and provides a clear comparison of regional revenue distribution. Each region is clearly marked to illustrate the differences.

Interpretation and Usage

The diagram helps to identify the regions with the highest revenue and to make targeted decisions for regional expansion or investments. It supports the analysis of market potentials and strategic priorities.

Investment Strategy

An investment strategy focused on regions concentrates on the deliberate capital allocation in different markets to optimally use regional growth opportunities. It takes into account market conditions and regional risk factors.

Credicorp Revenue by Segment

DateBermudaBermuda CountryBermudasBoliviaBolivia CountryCayman IslandsCayman Islands CountryChileChile CountryColombiaColombia CountryOthers CountriesPanamaPanama CountryPeruPeru CountryUnited StatesUnited States Of America Country
2023--5.39 B U0021.08 B U002-502 M U002-129 M U002-855 M U002-11 M U002384 M U002-17.28 B U002-29 M U002-
20225.15 B U002--960 M U002-72 M U002-187 M U002-193 M U002--295 M U002-16.13 B U002-8 M U002-
2020--14 M U002--853 M U002-340 M U002-134 M U002-566 M U002--18 M U002-16.45 B U002-33 M U002
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Credicorp Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Credicorp historical P/E ratio, EBIT multiple, and P/S ratio

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Credicorp shares outstanding

The number of shares was Credicorp in 2024 — This indicates how many shares 79.656 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Credicorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Credicorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Credicorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Credicorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Credicorp stock splits

In Credicorp's history, there have been no stock splits.

Credicorp dividend history and estimates

In 2024, Credicorp paid a dividend amounting to 12.2 PEN. Dividend means that Credicorp distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
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Dividend

Dividend Overview

The dividend per year chart for Credicorp provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Credicorp’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Credicorp's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Credicorp Dividend History

DateCredicorp Dividend
2027e7.34 undefined
2026e7.25 undefined
2025e7.33 undefined
2024e7.43 undefined
20236.77 undefined
202215 undefined
20215 undefined
20208.8 undefined
20198.4 undefined
20184.3 undefined
201711.07 undefined
20162.32 undefined
20152.19 undefined
20143.8 undefined
20135.2 undefined
20122.3 undefined
20111.95 undefined
20101.7 undefined
20091.5 undefined
20081.5 undefined
20071.3 undefined
20061.1 undefined
20050.8 undefined
20040.4 undefined

Credicorp dividend payout ratio

In 2024, Credicorp had a payout ratio of 39.06%. The payout ratio indicates the percentage of the company's profits that Credicorp distributes as dividends.
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Payout ratio
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Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Credicorp represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Credicorp could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Credicorp's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Credicorp Payout Ratio History

DateCredicorp Payout ratio
2027e47.76 %
2026e55.85 %
2025e48.36 %
2024e39.06 %
202380.12 %
202225.9 %
202111.16 %
2020203.29 %
201915.75 %
20188.64 %
201721.65 %
20165.27 %
20155.66 %
201412.73 %
201327.06 %
20128.85 %
20117.99 %
20108.43 %
20098.49 %
200811.49 %
20079.48 %
200611.69 %
20059.98 %
20046.9 %
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Unfortunately, there are currently no price targets and forecasts available for Credicorp.

Credicorp latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/202417.72 19.18  (8.26 %)2024 Q3
6/30/202418.11 16.8  (-7.24 %)2024 Q2
3/31/202415.27 18.99  (24.39 %)2024 Q1
12/31/202310.74 10.58  (-1.42 %)2023 Q4
9/30/202316.42 15.5  (-5.61 %)2023 Q3
6/30/202316.4 17.57  (7.15 %)2023 Q2
3/31/202316.14 17.36  (7.57 %)2023 Q1
12/31/202215.38 13.44  (-12.63 %)2022 Q4
9/30/202215.25 16.33  (7.12 %)2022 Q3
6/30/202214.59 14.06  (-3.61 %)2022 Q2
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Eulerpool ESG Scorecard© for the Credicorp stock

Eulerpool World ESG Rating (EESG©)

79/ 100

🌱 Environment

99

👫 Social

99

🏛️ Governance

40

Environment

Scope 1 - Direct Emissions
2,065.27
Scope 2 - Indirect emissions from purchased energy
16,078.6
Scope 3 - Indirect emissions within the value chain
25,322.3
Total CO₂ emissions
18,143.9
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees55
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Credicorp shareholders

%
Name
Stocks
Change
Date
14.54239 % Romero Paoletti (Dionisio)11,551,01925,23612/31/2023
6.89196 % Dodge & Cox5,474,280-43,8006/30/2024
3.45150 % MFS Investment Management2,741,52618,9556/30/2024
2.95726 % BlackRock Institutional Trust Company, N.A.2,348,95326,5206/30/2024
2.82270 % Fidelity Management & Research Company LLC2,242,068268,0676/30/2024
2.39172 % Harding Loevner LP1,899,741-54,0556/30/2024
2.25229 % Westwood Global Investments, L.L.C.1,788,994-14,0276/30/2024
2.05571 % Baillie Gifford & Co.1,632,852294,5966/30/2024
2.02795 % RBC Global Asset Management (UK) Limited1,610,79735,6276/30/2024
1.84277 % A.F.P. Integra1,463,715-69,5514/30/2024
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Most common questions regarding Credicorp

What values and corporate philosophy does Credicorp represent?

Credicorp Ltd represents a strong set of values and a clear corporate philosophy. The company is committed to delivering value to its stakeholders through responsible financial services. Credicorp focuses on maintaining high ethical standards, transparency, and integrity in all its operations. With a customer-centric approach, the company strives to provide innovative solutions and exceptional service to its clients. Credicorp also places great emphasis on sustainable development and social responsibility. By prioritizing these values, Credicorp Ltd aims to be a trusted and respected leader in the financial industry.

In which countries and regions is Credicorp primarily present?

Credicorp Ltd is primarily present in Peru and operates as one of the leading financial services companies in the country. With a strong presence in Peru, Credicorp Ltd offers a wide range of banking, insurance, and investment services to both individual and corporate customers. Additionally, Credicorp Ltd has expanded its operations to other countries in the Latin American region, including Bolivia, Colombia, Chile, and Panama. With its comprehensive financial solutions, Credicorp Ltd has established itself as a prominent player in the banking industry across these countries and regions.

What significant milestones has the company Credicorp achieved?

Credicorp Ltd, a leading financial services company, has achieved significant milestones throughout its illustrious journey. The company has successfully established a strong foothold in the industry, positioning itself as one of the largest banks in Peru and a leading financial institution in Latin America. Credicorp Ltd has consistently delivered impressive financial results, showcasing its ability to generate sustainable growth and profitability. Additionally, the company has expanded its portfolio of services, offering a comprehensive range of banking, insurance, and wealth management solutions. Credicorp Ltd continues to demonstrate its commitment to innovation, client satisfaction, and delivering value to its stakeholders.

What is the history and background of the company Credicorp?

Credicorp Ltd is a leading financial services provider based in Bermuda. Established in 1889, the company has a rich history of over a century in the banking and insurance industry. Credicorp operates through its various subsidiaries such as Banco de Crédito del Perú, Atlantic Security Holding Corporation, Prima AFP, and others. With its headquarters in Lima, Peru, Credicorp has expanded its services across several Latin American countries. The company focuses on offering a wide range of financial products and services, including banking, insurance, pension fund management, and investment banking. Credicorp Ltd has consistently demonstrated strong financial performance and solid market presence amidst its extensive operational history.

Who are the main competitors of Credicorp in the market?

The main competitors of Credicorp Ltd in the market are Banco de Crédito del Perú (BCP), Interbank, and Scotiabank Peru. These prominent financial institutions operate in Peru, where Credicorp is headquartered, and offer similar banking and financial services. While Credicorp maintains a leading position in the Peruvian market, these competitors pose a significant challenge in various segments. With Credicorp's strong brand presence and extensive portfolio of products and services, the company strategically positions itself to stay ahead of its competitors and maintain its market leadership.

In which industries is Credicorp primarily active?

Credicorp Ltd is primarily active in the financial services industries.

What is the business model of Credicorp?

Credicorp Ltd.'s business model is centered around providing a wide range of financial services. As a leading financial group in Peru, Credicorp operates through its various subsidiaries, including leading commercial banks and specialized finance companies. The company focuses on serving corporate clients, individuals, and small businesses, offering services such as commercial and consumer loans, deposits, insurance, asset management, and investment banking. Through its diversified portfolio of financial products and services, Credicorp aims to meet the evolving needs of its customers in Peru and other Latin American markets, while maintaining a strong track record of profitability and sustainability.

What is the P/E ratio of Credicorp 2025?

The Credicorp P/E ratio is 8.48.

What is the P/S ratio of Credicorp 2025?

The Credicorp P/S ratio is 2.38.

What is the Quality Investing of Credicorp?

The Quality Investing for Credicorp is 5/10.

What is the revenue of Credicorp 2025?

The expected Credicorp revenue is 23.07 B PEN.

How high is the profit of Credicorp 2025?

The expected Credicorp profit is 6.47 B PEN.

What is the business model of Credicorp

Credicorp Ltd is a financial services company based in Peru that operates through various subsidiaries in Latin America. The company is active in the banking, insurance, and pension fund sectors and offers a variety of products and services to its customers. Credicorp's banking division offers various banking services to both individual and business customers. These include credit cards, loans, mortgages, savings accounts, and debit cards. The company's banking division is known for its efficiency in lending and the effective management of credit default risks. Credicorp's insurance division offers customers a range of insurance products. These include health, accident, life, pension, and car insurance. The company also provides a range of specialized insurance products for businesses that focus on risks such as natural disasters, workplace accidents, and product liability. Credicorp's pension fund division offers customers various retirement savings products. The company offers both private pension insurance and corporate pension programs. The pension fund division of Credicorp is known for its high returns and effective management of pension funds. Credicorp also has a number of subsidiaries that specialize in specialized financial services. These include a bank specializing in the mining sector, an insurance company specializing in the agricultural sector, and a bank specializing in e-commerce. Credicorp's business model is based on product and service diversification as well as geographic diversification. The company operates not only in Peru but also in other Latin American countries including Colombia, Chile, Bolivia, and Panama. This geographic diversification reduces the company's risk as it is not dependent on a single market and allows it to benefit from growth opportunities in different countries. Credicorp is also committed to integrating sustainability and social responsibility into its business model. The company has launched a number of initiatives to reduce environmental impact, support social projects, and improve working conditions for its employees. Overall, Credicorp's business model is aimed at offering a wide range of financial services to meet the needs of its customers. The company relies on diversification and geographic expansion to seize growth opportunities and reduce risk. Credicorp is also committed to sustainability and social responsibility to build long-term and stable relationships with its customers and the community.

What is the Credicorp dividend?

Credicorp pays a dividend of 15 PEN distributed over payouts per year.

How often does Credicorp pay dividends?

The dividend cannot currently be calculated for Credicorp or the company does not pay out a dividend.

What is the Credicorp ISIN?

The ISIN of Credicorp is BMG2519Y1084.

What is the Credicorp WKN?

The WKN of Credicorp is 899417.

What is the Credicorp ticker?

The ticker of Credicorp is BAP.

How much dividend does Credicorp pay?

Over the past 12 months, Credicorp paid a dividend of 6.77 PEN . This corresponds to a dividend yield of about 0.98 %. For the coming 12 months, Credicorp is expected to pay a dividend of 7.25 PEN.

What is the dividend yield of Credicorp?

The current dividend yield of Credicorp is 0.98 %.

When does Credicorp pay dividends?

Credicorp pays a quarterly dividend. This is distributed in the months of June, June, June, October.

How secure is the dividend of Credicorp?

Credicorp paid dividends every year for the past 24 years.

What is the dividend of Credicorp?

For the upcoming 12 months, dividends amounting to 7.25 PEN are expected. This corresponds to a dividend yield of 1.05 %.

In which sector is Credicorp located?

Credicorp is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Credicorp kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Credicorp from 10/18/2024 amounting to 2.917 PEN, you needed to have the stock in your portfolio before the ex-date on 9/23/2024.

When did Credicorp pay the last dividend?

The last dividend was paid out on 10/18/2024.

What was the dividend of Credicorp in the year 2024?

In the year 2024, Credicorp distributed 6.775 PEN as dividends.

In which currency does Credicorp pay out the dividend?

The dividends of Credicorp are distributed in PEN.

All fundamentals about Credicorp

Our stock analysis for Credicorp Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Credicorp Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.