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

BAP•NYSE•Banking & Credit

14.9× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-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$13.87B-1.4%
Total Revenue$28.92B+7.1%
Net Income$6.93B+25.9%
Return on Equity19.15%+18.5%
Net Interest Margin5.19%-5.5%
Efficiency Ratio39.31%+11.6%
ROA2.65%+19.0%
Equity / Assets13.96%+2.2%
Book Value per Share467.93+6.5%

BAP Key Insights

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

✓Strengths

✓Strong 5Y profit CAGR of 82.0%
✓Strong Piotroski F-Score: 8/9
✓Strong NIM of 5.2%
✓Efficient operations: 39.3% efficiency ratio
✓Momentum leader: RS Rating 81 (top 19%)
✓Well capitalized: 14.0% equity/assets

✗Weaknesses

No significant weaknesses identified

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

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BAP Price & Volume

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

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BAP Growth Metrics

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

Revenue CAGR

10 Years7.2%

5 Years9.68%

3 Years11.92%

TTM-

Profit CAGR

10 Years8.4%

5 Years81.99%

3 Years14.22%

TTM24.78%

EPS CAGR

10 Years8.37%

5 Years81.89%

3 Years14.3%

TTM24.72%

Return on Capital

10 Years8.25%

5 Years8.68%

3 Years8.47%

Last Year5.98%

BAP Recent Earnings

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

Full history →

●Beat EPS 6/12 qtrs (55%)●Beat Revenue 6/12 qtrs (60%)

Q2 2026Latest

May 14, 2026

Metric

Actual

Est

EPS

$7.65+10.5%

$6.92

Rev

$1.7B+11.5%

$1.6B

Q1 2026

Feb 12, 2026

Metric

Actual

Est

EPS

$5.88-9.5%

$6.50

Rev

$1.8B+1.8%

$1.7B

Q4 2025

Nov 13, 2025

Metric

Actual

Est

EPS

$6.17-1.9%

$6.29

Rev

$1.5B-6.5%

$1.6B

Q3 2025

Aug 14, 2025

Metric

Actual

Est

EPS

$6.24+5.2%

$5.93

Rev

$2.1B+33.6%

$1.6B

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	May 14, 2026	$7.65vs $6.92+10.5%	$1.7Bvs $1.6B+11.5%
Q1 2026	Feb 12, 2026	$5.88vs $6.50-9.5%	$1.8Bvs $1.7B+1.8%
Q4 2025	Nov 13, 2025	$6.17vs $6.29-1.9%	$1.5Bvs $1.6B-6.5%
Q3 2025	Aug 14, 2025	$6.24vs $5.93+5.2%	$2.1Bvs $1.6B+33.6%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
ITUBItaú Unibanco Holding S.A.Direct Competitor	85.86B	7.79	10.15	18.03%	11.66%	20.64%	4.71
BBDBanco Bradesco S.A.Direct Competitor	35.54B	3.36	7.86	37.11%	6.78%	13.25%	4.46
BSBRBanco Santander (Brasil) S.A.Direct Competitor	38.95B	5.20	16.33	17.45%	8.04%	10.21%	1.03
GFIGold Fields LimitedDirect Competitor	34.55B	38.60	27.97	15.57%	23.24%	40.64%	0.55
BBARBanco BBVA Argentina S.A.Direct Competitor	4.47B	21.90	20.45	8.34%	5.54%	9.84%	0.55
BMABanco Macro S.A.Direct Competitor	6.5B	101.68	27.74	-10.04%	7.8%	0.03%	0.29
GGALGrupo Financiero Galicia S.A.Direct Competitor	9.05B	56.37	57.12	27.51%	1.36%	2.69%	0.47
SANBanco Santander, S.A.Product Competitor	198.16B	13.50	13.48	-7.71%	18.79%	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

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Net Interest Income	8.02B	8.46B	9.07B	8.54B	9.32B	11.06B	12.89B	14.07B	13.87B	14.28B
NII Growth %	2.72%	5.56%	7.11%	-5.77%	9.08%	18.71%	16.54%	9.1%	-1.38%	2.47%
Net Interest Margin %	4.7%	4.78%	4.83%	3.6%	3.83%	4.7%	5.4%	5.49%	5.19%	5.29%
Interest Income	10.98B	11.5B	12.36B	11.52B	11.81B	14.98B	18.75B	19.82B	18.79B	19.12B
Interest Expense	2.96B	3.03B	3.29B	2.98B	2.49B	3.92B	5.86B	5.75B	4.91B	4.84B
Loan Loss Provision	1.85B	1.63B	1.9B	6.17B	1.37B	1.95B	3.79B	3.91B	2.69B	1.86B
Non-Interest Income	5.4B	5.09B	5.59B	6.69B	7.41B	5.64B	6.62B	7.18B	10.13B	9.64B
Non-Interest Income %	32.98%	30.69%	31.14%	36.75%	38.55%	27.36%	26.09%	26.58%	35.03%	33.51%
Total Revenue	16.38B▲ 0%	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%	28.92B▲ 7.1%	28.76B▲ 0%
Revenue Growth %	6.59%	1.27%	8.18%	1.51%	5.5%	7.32%	23.02%	6.4%	7.11%	23.22%
Non-Interest Expense	6B	6.34B	6.78B	8.85B	10.03B	7.89B	8.87B	9.51B	11.37B	11.54B
Efficiency Ratio	36.61%	38.19%	37.8%	48.57%	52.18%	38.24%	34.96%	35.22%	39.31%	40.13%
Operating Income	5.57B▲ 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%	9.95B▲ 27.1%	10.53B▲ 0%
Operating Margin %	34.04%	33.71%	33.3%	1.23%	27.75%	33.31%	26.99%	28.98%	34.4%	36.6%
Operating Income Growth %	13.97%	0.31%	6.85%	-96.25%	2279.01%	28.84%	-0.32%	14.25%	27.13%	-
Pretax Income	5.57B▲ 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%	9.95B▲ 27.1%	10.32B▲ 0%
Pretax Margin %	34.04%	33.71%	33.3%	1.23%	27.75%	33.31%	26.99%	28.98%	34.4%	35.88%
Income Tax	1.39B	1.52B	1.62B	-109.98M	1.66B	2.11B	1.89B	2.2B	2.86B	2.96B
Effective Tax Rate %	24.99%	27.2%	27.16%	-49.06%	31.15%	30.72%	27.58%	28.13%	28.8%	28.72%
Net Income	4.09B▲ 0%	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%	6.93B▲ 25.9%	7.2B▲ 0%
Net Margin %	24.98%	24.02%	23.77%	1.9%	18.65%	22.53%	19.18%	20.38%	23.95%	25.03%
Net Income Growth %	16.42%	-2.64%	7.06%	-91.87%	933.34%	29.66%	4.68%	13.07%	25.89%	24.78%
Net Income (Continuing)	4.18B	4.07B	4.35B	334.14M	3.67B	4.76B	4.96B	5.62B	7.08B	7.35B
EPS (Diluted)	51.35▲ 0%	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%	86.80▲ 25.6%	90.55▲ 0%
EPS Growth %	16.31%	-2.65%	7.08%	-91.86%	931.88%	29.21%	5.07%	13.11%	25.63%	24.72%
EPS (Basic)	51.49	50.13	53.53	4.37	45.09	58.26	61.08	69.09	87.25	-
Diluted Shares Outstanding	79.69M	79.69M	79.68M	79.62M	79.68M	79.53M	79.66M	79.62M	79.78M	79.48M

BAP Balance Sheet

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

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Cash & Short Term Investments	52.11B	45.86B	51.47B	80.11B	74.42B	64.2B	67.34B	81.72B	44.52B	248.24B
Cash & Due from Banks	23.21B	22.14B	25.96B	36.73B	39.32B	34.07B	33.85B	47.51B	43.3B	43.29B
Short Term Investments	28.9B	23.72B	25.51B	43.37B	35.09B	30.13B	33.49B	34.21B	1.22B	0
Total Investments	135.03B	140.35B	140.24B	184.12B	196.52B	182.24B	183.24B	186.1B	201.71B	205.36B
Investments Growth %	8.62%	3.94%	-0.08%	31.29%	6.73%	-7.26%	0.55%	1.56%	8.39%	4.81%
Long-Term Investments	106.13B	116.63B	114.73B	140.75B	161.42B	152.11B	149.75B	151.22B	200.49B	705.13B
Accounts Receivables	779.68M	865.17M	870.41M	1.2B	1.28B	1.44B	2.81B	2.64B	0	0
Goodwill & Intangibles	1.98B	2.06B	2.53B	2.64B	2.71B	2.9B	3.23B	3.29B	4.76B	4.58B
Goodwill	635.98M	591.33M	865.82M	820.9M	796.86M	772.21M	798.48M	722.36M	0	1.22B
Intangible Assets	1.34B	1.46B	1.67B	1.82B	1.91B	2.13B	2.43B	2.57B	4.76B	3.36B
PP&E (Net)	1.51B	1.6B	2.36B	2.17B	1.9B	1.9B	1.96B	1.99B	2.93B	2.57B
Other Assets	5.45B	7.4B	5.32B	-341.6M	-10.7B	690.22M	2.74B	3.54B	11.07B	10.82B
Total Current Assets	54.93B	49.12B	62.39B	90.5B	86.97B	76.68B	79.99B	94.2B	46.69B	45.14B
Total Non-Current Assets	115.55B	128.15B	125.47B	146.91B	156.47B	158.73B	158.85B	161.21B	220.65B	224.76B
Total Assets	170.47B▲ 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%	267.34B▲ 4.4%	269.9B▲ 0%
Asset Growth %	8.97%	3.98%	5.98%	26.37%	2.54%	-3.3%	1.46%	7.22%	4.39%	13.17%
Return on Assets (ROA)	2.5%	2.29%	2.34%	0.16%	1.49%	1.94%	2.05%	2.22%	2.65%	2.76%
Accounts Payable	1.88B	1.54B	1.67B	1.79B	2.93B	3.12B	3.8B	3.65B	0	0
Total Debt	37.65B	33.32B	32.3B	50.97B	47.71B	39.49B	37.55B	37.49B	34.54B	31.39B
Net Debt	14.45B	11.18B	6.34B	14.24B	8.39B	5.42B	3.7B	-10.02B	-8.76B	-11.9B
Long-Term Debt	23.85B	23.9B	23.78B	22.29B	25.04B	24.82B	25.23B	26.65B	19.48B	19.26B
Short-Term Debt	13.81B	9.42B	7.69B	27.94B	22.01B	14.09B	11.82B	10.43B	14.44B	11.54B
Other Liabilities	10.56B	12.4B	13.75B	15.58B	15.14B	16.05B	16.27B	17.87B	195.32B	198.76B
Total Current Liabilities	113.66B	116.59B	122.62B	173.24B	175.71B	164.29B	163.61B	176.13B	14.44B	11.54B
Total Non-Current Liabilities	34.55B	36.41B	38.49B	38.72B	40.9B	41.53B	42.12B	44.98B	215.56B	218.97B
Total Liabilities	148.22B	153B	161.11B	211.96B	216.61B	205.82B	205.73B	221.11B	230B	230.51B
Total Equity	22.25B▲ 0%	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%	37.33B▲ 6.7%	39.39B▲ 0%
Equity Growth %	10.62%	9.04%	10.22%	-4.86%	5.45%	10.3%	11.87%	5.65%	6.74%	30.45%
Equity / Assets (Capital Ratio)	13.05%	13.69%	14.24%	10.72%	11.02%	12.57%	13.86%	13.66%	13.96%	14.59%
Return on Equity (ROE)	19.31%	17.13%	16.72%	1.33%	13.71%	16.47%	15.52%	16.16%	19.15%	19.31%
Book Value per Share	279.25	304.52	335.66	319.58	336.77	372.11	415.63	439.31	467.93	495.64
Tangible BV per Share	254.42	278.72	303.88	286.43	302.76	335.66	375.13	398.00	408.21	437.98
Common Stock	1.32B	1.32B	1.32B	1.32B	1.32B	1.32B	1.32B	1.32B	1.32B	1.28B
Additional Paid-in Capital	271.95M	246.19M	226.04M	192.63M	228.85M	231.56M	228.24M	176.31M	148.73M	108.73M
Retained Earnings	4.27B	4.18B	4.37B	347.15M	3.18B	4.28B	4.57B	5.64B	6.92B	2.04B
Accumulated OCI	1.46B	708.45M	1.09B	1.87B	235.9M	-650.12M	26.55B	27.42B	28.43B	35.56B
Treasury Stock	-208.94M	-207.99M	-207.84M	-208.43M	-207.53M	-207.52M	-208.03M	-208.88M	-209.84M	-202.25M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

BAP Cash Flow Statement

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

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Cash from Operations	9.3B	-251.57M	6.93B	12.69B	3.97B	-1.15B	4.08B	14.52B	8.05B	6.94B
Operating CF Growth %	738.16%	-102.7%	2856.16%	82.95%	-68.68%	-128.98%	454.32%	255.96%	-44.56%	-111.19%
Net Income	4.18B	4.07B	4.35B	346.89M	3.67B	4.76B	4.87B	5.62B	6.93B	7.2B
Depreciation & Amortization	426.42M	436.53M	639.07M	676.93M	690.56M	690.61M	667.12M	722.57M	0	432.46M
Deferred Taxes	-3.56M	91.1M	-52.44M	-1.15B	547.39M	113.06M	-76.09M	-54.94M	0	0
Other Non-Cash Items	569.43M	1.06B	1.08B	5.56B	1.02B	1.76B	1.75B	2.16B	3.05B	3.44B
Working Capital Changes	4.02B	-6.02B	797.62M	7.14B	-2.03B	-8.55B	-3.21B	5.96B	-1.93B	-2.73B
Cash from Investing	405.67M	-234.09M	726.21M	-1.87B	-3.73B	-1.09B	-1.26B	527.56M	-1.55B	-663.84M
Purchase of Investments	0	0	-1.69B	-2.84B	-3.68B	-1.12B	-1.36B	-176.6M	0	-37.11M
Sale/Maturity of Investments	670.62M	295.99M	3.26B	1.6B	590.61M	1.01B	1.25B	1.74B	0	79.91M
Net Investment Activity	670.62M	295.99M	1.57B	-1.24B	-3.09B	-116.48M	-113.81M	1.56B	0	42.8M
Acquisitions	0	0	-375.95M	0	0	0	-5.56M	0	0	1.26B
Other Investing	-121.1M	-348.62M	-330.95M	-537.49M	-532.86M	-785.79M	-813.32M	-726.37M	-1.55B	-1.24B
Cash from Financing	-2.34B	-1.4B	-3.55B	-2.09B	-465.3M	-1.6B	-2.26B	-1.81B	-1.62B	1B
Dividends Paid	-2.23B	-1.13B	-2.23B	-2.39B	-398.81M	-1.2B	-1.99B	-3.66B	-3B	-3.31B
Share Repurchases	-71.01M	-95.41M	-103.22M	-151.96M	-58.91M	-83.61M	-85.58M	-110.89M	-112.41M	-36.38M
Stock Issued	0	0	0	0	3.75M	9.95M	0	0	0	0
Net Stock Activity	-71.01M	-95.41M	-103.22M	-151.96M	-55.16M	-73.66M	-85.58M	-110.89M	-112.41M	-36.38M
Debt Issuance (Net)	-1000K	0	-1000K	1000K	1000K	-1000K	-1000K	1000K	-1000K	-2M
Other Financing	0	-174.47M	-90.41M	-64.57M	-39.35M	-79.51M	-89.4M	-166.39M	13.81B	25.69B
Net Change in Cash	6.58B▲ 0%	-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%	-47.57B▼ 448.5%	-44.45B▲ 0%
Exchange Rate Effect	-784.68M	704.97M	-294.87M	2.03B	2.78B	-1.33B	-760.65M	410.26M	-52.45B	-51.73B
Cash at Beginning	16.63B	23.21B	22.16B	25.97B	36.73B	39.29B	34.12B	33.92B	47.57B	0
Cash at End	23.21B	22.16B	25.97B	36.73B	39.29B	34.12B	33.92B	47.57B	0	0
Interest Paid	2.89B	3.03B	3.19B	2.96B	2.23B	2.85B	5.08B	5.85B	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	8.89B▲ 0%	-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%	7.74B▼ 42.3%	6.67B▲ 0%
FCF Growth %	606.28%	-109.6%	853.62%	87.53%	-72.35%	-161.44%	243.01%	357.93%	-42.32%	280.55%

BAP Banking Ratios

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

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Return on Equity (ROE)	19.31%	17.13%	16.72%	1.33%	13.71%	16.47%	15.52%	16.16%	19.15%	19.31%
Return on Assets (ROA)	2.5%	2.29%	2.34%	0.16%	1.49%	1.94%	2.05%	2.22%	2.65%	2.76%
Net Interest Margin	4.7%	4.78%	4.83%	3.6%	3.83%	4.7%	5.4%	5.49%	5.19%	5.29%
Efficiency Ratio	36.61%	38.19%	37.8%	48.57%	52.18%	38.24%	34.96%	35.22%	39.31%	40.13%
Equity / Assets	13.05%	13.69%	14.24%	10.72%	11.02%	12.57%	13.86%	13.66%	13.96%	14.59%
Book Value / Share	279.25	304.52	335.66	319.58	336.77	372.11	415.63	439.31	467.93	495.64
NII Growth	2.72%	5.56%	7.11%	-5.77%	9.08%	18.71%	16.54%	9.1%	-1.38%	0.59%
Dividend Payout	54.55%	28.38%	52.36%	689.79%	11.13%	25.74%	40.98%	66.61%	43.3%	46.06%

BAP Frequently Asked Questions

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

Growth & Financials

Credicorp Ltd. (BAP) grew revenue by 7.1% over the past year. This is steady growth.

Yes, Credicorp Ltd. (BAP) is profitable, generating $7.20B in net income for fiscal year 2025 (23.9% net margin).

Dividend & Returns

Yes, Credicorp Ltd. (BAP) pays a dividend with a yield of 2.90%. This makes it attractive for income-focused investors.

Credicorp Ltd. (BAP) has a return on equity (ROE) of 19.2%. This is reasonable for most industries.

Industry Metrics

Credicorp Ltd. (BAP) has a net interest margin (NIM) of 5.2%. This indicates healthy earnings from lending activities.

Credicorp Ltd. (BAP) has an efficiency ratio of 39.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BAP back in 1997?

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How much would $100/month in BAP be worth today?

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

BAP•NYSE•Banking & Credit

14.9× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryNon-US regional and universal banks

Net Interest Income$13.87B-1.4%
Total Revenue$28.92B+7.1%
Net Income$6.93B+25.9%
Return on Equity19.15%+18.5%
Net Interest Margin5.19%-5.5%
Efficiency Ratio39.31%+11.6%
ROA2.65%+19.0%
Equity / Assets13.96%+2.2%
Book Value per Share467.93+6.5%