← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

BAP logoCredicorp Ltd.(BAP)Earnings, Financials & Key Ratios

BAP•NYSE•Banking & Credit
$326.55
$25.92B mkt cap·16.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutCredicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current accounts, and various credits and financial instruments to individuals and legal entities. Its Insurance and Pensions segment issues insurance policies to cover losses in commercial property, transportation, marine vessels, automobile, life, health, and pensions, as well as provides private pension fund management services. The company's Microfinance segment manages loans, credits, deposits, and current accounts of the small and microenterprises. Its Investment Banking and Wealth Management segment offers its services to corporations, institutional investors, governments, and foundations; engages in structuring and placement of issues in the primary market, as well as the execution and negotiation of operations in the secondary market; and structures securitization processes for corporate customers and manages mutual funds. The company was founded in 1889 and is headquartered in Lima, Peru.Show more
  • Net Interest Income$14.07B+9.1%
  • Total Revenue$27B+6.4%
  • Net Income$5.5B+13.1%
  • Return on Equity16.16%+4.1%
  • Net Interest Margin5.49%+1.8%
  • Efficiency Ratio35.22%+0.7%
  • ROA2.22%+8.3%
  • Equity / Assets13.66%-1.5%
  • Book Value per Share439.31+5.7%
  • Tangible BV/Share398.00+6.1%
  • Debt/Equity1.07-5.5%
Analysis→Technical→

BAP Key Insights

Credicorp Ltd. (BAP) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Strong NIM of 5.5%
  • ✓Efficient operations: 35.2% efficiency ratio
  • ✓Well capitalized: 13.7% equity/assets
  • ✓Good 3Y average ROE of 16.1%
  • ✓Healthy dividend yield of 4.0%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BAP Price & Volume

Credicorp Ltd. (BAP) stock price & volume — 10-year historical chart

Loading chart...

BAP Growth Metrics

Credicorp Ltd. (BAP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.91%
5 Years8.51%
3 Years11.99%
TTM-

Profit CAGR

10 Years8.7%
5 Years5.22%
3 Years15.35%
TTM23.94%

EPS CAGR

10 Years8.71%
5 Years5.24%
3 Years15.37%
TTM23.78%

Return on Capital

10 Years8.56%
5 Years7.55%
3 Years9.78%
Last Year10.08%

BAP Recent Earnings

Credicorp Ltd. (BAP) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (45%)●Beat Revenue 9/12 qtrs (90%)
Q1 2026Latest
Feb 12, 2026
EPS
$5.88
Est $6.50
-9.5%
Revenue
$1.8B
Est $1.7B
+1.8%
Q4 2025
Nov 13, 2025
EPS
$6.17
Est $6.29
-1.9%
Revenue
$1.5B
Est $1.6B
-6.5%
Q3 2025
Aug 14, 2025
EPS
$6.24
Est $5.93
+5.2%
Revenue
$2.1B
Est $1.6B
+33.6%
Q2 2025
May 19, 2025
EPS
$6.02
Est $5.43
+10.9%
Revenue
$1.9B
Est $1.5B
+26.2%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 12, 2026
$5.88vs $6.50-9.5%
$1.8Bvs $1.7B+1.8%
Q4 2025Nov 13, 2025
$6.17vs $6.29-1.9%
$1.5Bvs $1.6B-6.5%
Q3 2025Aug 14, 2025
$6.24vs $5.93+5.2%
$2.1Bvs $1.6B+33.6%
Q2 2025May 19, 2025
$6.02vs $5.43+10.9%
$1.9Bvs $1.5B+26.2%
Based on last 12 quarters of dataView full earnings history →

BAP Peer Comparison

Credicorp Ltd. (BAP) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor93.13B8.4510.6218.03%20.64%4.71
BBD logoBBDBanco Bradesco S.A.Direct Competitor40.84B3.868.7037.11%13.25%4.46
BSBR logoBSBRBanco Santander (Brasil) S.A.Direct Competitor44.79B5.9818.1217.45%10.21%1.03
GFI logoGFIGold Fields LimitedDirect Competitor41.35B46.2033.4815.57%23.24%40.64%0.55
BBAR logoBBARBanco BBVA Argentina S.A.Direct Competitor3.19B15.6212.59-31.12%9.12%0.13
BMA logoBMABanco Macro S.A.Direct Competitor4.84B76.9721.07-33.31%6.12%0.11
GGAL logoGGALGrupo Financiero Galicia S.A.Direct Competitor5.76B43.445.10-23.52%12.91%0.36
SAN logoSANBanco Santander, S.A.Product Competitor182.01B12.4012.14-7.71%12.76%4.40

Compare BAP vs Peers

Credicorp Ltd. (BAP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ITUB

Most directly comparable listed peer for BAP.

Scale Benchmark

vs V

Larger-name benchmark to compare BAP against a more recognizable public peer.

Peer Set

Compare Top 5

vs ITUB, BBD, BSBR, GFI

BAP Income Statement

Credicorp Ltd. (BAP) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income7.81B8.02B8.46B9.07B8.54B9.32B11.06B12.89B14.07B13.55B
NII Growth %8.4%2.72%5.56%7.11%-5.77%9.08%18.71%16.54%9.1%-5.8%
Net Interest Margin %4.99%4.7%4.78%4.83%3.6%3.83%4.7%5.4%5.49%5.31%
Interest Income10.72B10.98B11.5B12.36B11.52B11.81B14.98B18.75B19.82B18.34B
Interest Expense2.91B2.96B3.03B3.29B2.98B2.49B3.92B5.86B5.75B4.79B
Loan Loss Provision1.83B1.85B1.63B1.9B6.17B1.37B1.95B3.79B3.91B2.69B
Non-Interest Income4.65B5.4B5.09B5.59B6.69B7.41B5.64B6.62B7.18B7.91B
Non-Interest Income %30.24%32.98%30.69%31.14%36.75%38.55%27.36%26.09%26.58%30.14%
Total Revenue
15.37B▲ 0%
16.38B▲ 6.6%
16.59B▲ 1.3%
17.95B▲ 8.2%
18.22B▲ 1.5%
19.22B▲ 5.5%
20.63B▲ 7.3%
25.37B▲ 23.0%
27B▲ 6.4%
26.25B▲ 0%
Revenue Growth %6.55%6.59%1.27%8.18%1.51%5.5%7.32%23.02%6.4%-6.22%
Non-Interest Expense5.74B6B6.34B6.78B8.85B10.03B7.89B8.87B9.51B9.23B
Efficiency Ratio37.32%36.61%38.19%37.8%48.57%52.18%38.24%34.96%35.22%35.18%
Operating Income
4.89B▲ 0%
5.57B▲ 14.0%
5.59B▲ 0.3%
5.98B▲ 6.9%
224.16M▼ 96.2%
5.33B▲ 2279.0%
6.87B▲ 28.8%
6.85B▼ 0.3%
7.82B▲ 14.3%
9.54B▲ 0%
Operating Margin %31.83%34.04%33.71%33.3%1.23%27.75%33.31%26.99%28.98%36.35%
Operating Income Growth %12.17%13.97%0.31%6.85%-96.25%2279.01%28.84%-0.32%14.25%-
Pretax Income
4.89B▲ 0%
5.57B▲ 14.0%
5.59B▲ 0.3%
5.98B▲ 6.9%
224.16M▼ 96.2%
5.33B▲ 2279.0%
6.87B▲ 28.8%
6.85B▼ 0.3%
7.82B▲ 14.3%
9.34B▲ 0%
Pretax Margin %31.83%34.04%33.71%33.3%1.23%27.75%33.31%26.99%28.98%35.59%
Income Tax1.28B1.39B1.52B1.62B-109.98M1.66B2.11B1.89B2.2B2.73B
Effective Tax Rate %26.2%24.99%27.2%27.16%-49.06%31.15%30.72%27.58%28.13%29.2%
Net Income
3.51B▲ 0%
4.09B▲ 16.4%
3.98B▼ 2.6%
4.27B▲ 7.1%
346.89M▼ 91.9%
3.58B▲ 933.3%
4.65B▲ 29.7%
4.87B▲ 4.7%
5.5B▲ 13.1%
6.47B▲ 0%
Net Margin %22.87%24.98%24.02%23.77%1.9%18.65%22.53%19.18%20.38%24.63%
Net Income Growth %13.66%16.42%-2.64%7.06%-91.87%933.34%29.66%4.68%13.07%23.94%
Net Income (Continuing)3.61B4.18B4.07B4.35B334.14M3.67B4.76B4.96B5.62B6.62B
EPS (Diluted)
44.15▲ 0%
51.35▲ 16.3%
49.99▼ 2.6%
53.53▲ 7.1%
4.36▼ 91.9%
44.99▲ 931.9%
58.13▲ 29.2%
61.08▲ 5.1%
69.09▲ 13.1%
81.37▲ 0%
EPS Growth %13.67%16.31%-2.65%7.08%-91.86%931.88%29.21%5.07%13.11%23.78%
EPS (Basic)44.2351.4950.1353.534.3745.0958.2661.0869.09-
Diluted Shares Outstanding79.61M79.69M79.69M79.68M79.62M79.68M79.53M79.66M79.62M79.45M

BAP Balance Sheet

Credicorp Ltd. (BAP) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments39.63B52.11B45.86B51.47B80.11B74.42B64.2B67.34B81.72B328.39B
Cash & Due from Banks16.63B23.21B22.14B25.96B36.73B39.32B34.07B33.85B47.51B43.1B
Short Term Investments23B28.9B23.72B25.51B43.37B35.09B30.13B33.49B34.21B38.01B
Total Investments124.31B135.03B140.35B140.24B184.12B196.52B182.24B183.24B186.1B189.27B
Investments Growth %5.48%8.62%3.94%-0.08%31.29%6.73%-7.26%0.55%1.56%-12.7%
Long-Term Investments101.32B106.13B116.63B114.73B140.75B161.42B152.11B149.75B151.22B598.72B
Accounts Receivables784.39M779.68M865.17M870.41M1.2B1.28B1.44B2.81B2.64B0
Goodwill & Intangibles1.96B1.98B2.06B2.53B2.64B2.71B2.9B3.23B3.29B4.6B
Goodwill636.15M635.98M591.33M865.82M820.9M796.86M772.21M798.48M722.36M1.29B
Intangible Assets1.32B1.34B1.46B1.67B1.82B1.91B2.13B2.43B2.57B3.31B
PP&E (Net)1.55B1.51B1.6B2.36B2.17B1.9B1.9B1.96B1.99B2.73B
Other Assets9.05B5.45B7.4B5.32B-341.6M-10.7B690.22M2.74B3.54B15.61B
Total Current Assets42.05B54.93B49.12B62.39B90.5B86.97B76.68B79.99B94.2B81.11B
Total Non-Current Assets114.38B115.55B128.15B125.47B146.91B156.47B158.73B158.85B161.21B174.2B
Total Assets
156.44B▲ 0%
170.47B▲ 9.0%
177.26B▲ 4.0%
187.86B▲ 6.0%
237.41B▲ 26.4%
243.44B▲ 2.5%
235.41B▼ 3.3%
238.84B▲ 1.5%
256.09B▲ 7.2%
255.3B▲ 0%
Asset Growth %0.61%8.97%3.98%5.98%26.37%2.54%-3.3%1.46%7.22%15.24%
Return on Assets (ROA)2.25%2.5%2.29%2.34%0.16%1.49%1.94%2.05%2.22%2.53%
Accounts Payable1.51B1.88B1.54B1.67B1.79B2.93B3.12B3.8B3.65B847.01M
Total Debt38.56B37.65B33.32B32.3B50.97B47.71B39.49B37.55B37.49B33.63B
Net Debt21.93B14.45B11.18B6.34B14.24B8.39B5.42B3.7B-10.02B-9.47B
Long-Term Debt23.02B23.85B23.9B23.78B22.29B25.04B24.82B25.23B26.65B23.45B
Short-Term Debt15.54B13.81B9.42B7.69B27.94B22.01B14.09B11.82B10.43B10.18B
Other Liabilities9.26B10.56B12.4B13.75B15.58B15.14B16.05B16.27B17.87B25.05B
Total Current Liabilities103.86B113.66B116.59B122.62B173.24B175.71B164.29B163.61B176.13B169.54B
Total Non-Current Liabilities32.46B34.55B36.41B38.49B38.72B40.9B41.53B42.12B44.98B48.5B
Total Liabilities136.32B148.22B153B161.11B211.96B216.61B205.82B205.73B221.11B218.04B
Total Equity
20.12B▲ 0%
22.25B▲ 10.6%
24.27B▲ 9.0%
26.75B▲ 10.2%
25.45B▼ 4.9%
26.83B▲ 5.5%
29.6B▲ 10.3%
33.11B▲ 11.9%
34.98B▲ 5.6%
37.26B▲ 0%
Equity Growth %20.26%10.62%9.04%10.22%-4.86%5.45%10.3%11.87%5.65%26.93%
Equity / Assets (Capital Ratio)12.86%13.05%13.69%14.24%10.72%11.02%12.57%13.86%13.66%14.59%
Return on Equity (ROE)19.08%19.31%17.13%16.72%1.33%13.71%16.47%15.52%16.16%17.35%
Book Value per Share252.68279.25304.52335.66319.58336.77372.11415.63439.31468.90
Tangible BV per Share228.05254.42278.72303.88286.43302.76335.66375.13398.00411.05
Common Stock1.32B1.32B1.32B1.32B1.32B1.32B1.32B1.32B1.32B1.32B
Additional Paid-in Capital280.88M271.95M246.19M226.04M192.63M228.85M231.56M228.24M176.31M139.53M
Retained Earnings3.52B4.27B4.18B4.37B347.15M3.18B4.28B4.57B5.64B34.96B
Accumulated OCI1.21B1.46B708.45M1.09B1.87B235.9M-650.12M26.55B27.42B353.14M
Treasury Stock-209.32M-208.94M-207.99M-207.84M-208.43M-207.53M-207.52M-208.03M-208.88M-209.84M
Preferred Stock0000000000

BAP Cash Flow Statement

Credicorp Ltd. (BAP) cash flow — operating, investing & free cash flow history

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations-1.46B9.3B-251.57M6.93B12.69B3.97B-1.15B4.08B14.52B14.52B
Operating CF Growth %-6.98%738.16%-102.7%2856.16%82.95%-68.68%-128.98%454.32%255.96%-312.69%
Net Income3.61B4.18B4.07B4.35B346.89M3.67B4.76B4.87B5.62B6.47B
Depreciation & Amortization411.43M426.42M436.53M639.07M676.93M690.56M690.61M667.12M722.57M831.95M
Deferred Taxes28.23M-3.56M91.1M-52.44M-1.15B547.39M113.06M-76.09M-54.94M0
Other Non-Cash Items1.04B569.43M1.06B1.08B5.56B1.02B1.76B1.75B2.16B217.45M
Working Capital Changes-6.64B4.02B-6.02B797.62M7.14B-2.03B-8.55B-3.21B5.96B-2.75B
Cash from Investing-1.98B405.67M-234.09M726.21M-1.87B-3.73B-1.09B-1.26B527.56M367.43M
Purchase of Investments-1.55B00-1.69B-2.84B-3.68B-1.12B-1.36B-176.6M0
Sale/Maturity of Investments01000K1000K1000K1000K1000K1000K1000K1000K0
Net Investment Activity-1.55B1000K1000K-1.69B-2.84B-3.68B-1.12B-1.36B-175.6M0
Acquisitions000-375.95M000-5.56M00
Other Investing-318.49M-121.1M-348.62M-330.95M-537.49M-532.86M-785.79M-813.32M-726.37M675.5M
Cash from Financing-1.61B-2.34B-1.4B-3.55B-2.09B-465.3M-1.6B-2.26B-1.81B-3.75B
Dividends Paid-653.33M-2.23B-1.13B-2.23B-2.39B-398.81M-1.2B-1.99B-3.66B-4.06B
Share Repurchases-66.53M-71.01M-95.41M-103.22M-151.96M-58.91M-83.61M-85.58M-110.89M-123.15M
Stock Issued000003.75M9.95M000
Net Stock Activity-66.53M-71.01M-95.41M-103.22M-151.96M-55.16M-73.66M-85.58M-110.89M-123.15M
Debt Issuance (Net)-1000K-1000K0-1000K1000K1000K-1000K-1000K1000K-2M
Other Financing-489.87M0-174.47M-90.41M-64.57M-39.35M-79.51M-89.4M-166.39M7.86B
Net Change in Cash
-5.41B▲ 0%
6.58B▲ 221.6%
-1.05B▼ 116.0%
3.81B▲ 462.7%
10.76B▲ 182.2%
2.56B▼ 76.2%
-5.17B▼ 302.1%
-200.35M▲ 96.1%
13.65B▲ 6912.9%
43.03B▲ 0%
Exchange Rate Effect-1000K-1000K1000K-1000K1000K1000K-1000K-1000K1000K-2M
Cash at Beginning22.04B16.63B23.21B22.16B25.97B36.73B39.29B34.12B33.92B41.41B
Cash at End16.63B23.21B22.16B25.97B36.73B39.29B34.12B33.92B47.57B43.03B
Interest Paid2.77B2.89B3.03B3.19B2.96B2.23B2.85B5.08B5.85B5.88B
Income Taxes Paid0000000000
Free Cash Flow
-1.76B▲ 0%
8.89B▲ 606.3%
-852.82M▼ 109.6%
6.43B▲ 853.6%
12.05B▲ 87.5%
3.33B▼ 72.3%
-2.05B▼ 161.4%
2.93B▲ 243.0%
13.41B▲ 357.9%
4.55B▲ 0%
FCF Growth %-0.83%606.28%-109.6%853.62%87.53%-72.35%-161.44%243.01%357.93%133.72%

BAP Banking Ratios

Credicorp Ltd. (BAP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
Return on Equity (ROE)19.08%19.31%17.13%16.72%1.33%13.71%16.47%15.52%16.16%17.35%
Return on Assets (ROA)2.25%2.5%2.29%2.34%0.16%1.49%1.94%2.05%2.22%2.53%
Net Interest Margin4.99%4.7%4.78%4.83%3.6%3.83%4.7%5.4%5.49%5.31%
Efficiency Ratio37.32%36.61%38.19%37.8%48.57%52.18%38.24%34.96%35.22%35.18%
Equity / Assets12.86%13.05%13.69%14.24%10.72%11.02%12.57%13.86%13.66%14.59%
Book Value / Share252.68279.25304.52335.66319.58336.77372.11415.63439.31468.9
NII Growth8.4%2.72%5.56%7.11%-5.77%9.08%18.71%16.54%9.1%-1.73%
Dividend Payout18.59%54.55%28.38%52.36%689.79%11.13%25.74%40.98%66.61%62.76%

BAP Frequently Asked Questions

Credicorp Ltd. (BAP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Credicorp Ltd. (BAP) grew revenue by 6.4% over the past year. This is steady growth.

Yes, Credicorp Ltd. (BAP) is profitable, generating $6.47B in net income for fiscal year 2024 (20.4% net margin).

Dividend & Returns

Yes, Credicorp Ltd. (BAP) pays a dividend with a yield of 4.04%. This makes it attractive for income-focused investors.

Credicorp Ltd. (BAP) has a return on equity (ROE) of 16.2%. This is reasonable for most industries.

Industry Metrics

Credicorp Ltd. (BAP) has a net interest margin (NIM) of 5.5%. This indicates healthy earnings from lending activities.

Credicorp Ltd. (BAP) has an efficiency ratio of 35.2%. This is excellent, indicating strong cost control.

Explore More BAP

Credicorp Ltd. (BAP) financial analysis — history, returns, DCA and operating performance tools

Full BAP Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

→

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.