Credicorp's investment thesis is anchored by accelerating net interest income growth, which reached 13.2% year-over-year in Q2 2026, driven by strong loan demand and favorable repricing dynamics.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net interest income growth accelerated to 13.2% year-over-year in Q2 2026, while the net interest margin stabilized at 1.4% following a dip to 1.1% in Q3 2025, indicating effective asset-liability management despite a volatile rate environment.
The consensus among analysts is largely positive, with many recommending a 'Buy' or 'Strong Buy' rating. One analysis shows 10 Buy, 4 Hold, and 0 Sell ratings, indicating strong market confidence.
Credicorp has demonstrated robust performance, doubling its stock price since mid-2023, fueled by rising commodity prices and financial momentum in emerging markets. This growth is complemented by a favorable Price-to-Earnings (P/E) ratio compared to its peers.
The company's digital wallet and payments business, Yape, has exceeded investor expectations and is viewed as a significant growth area. This focus on digital transformation and financial inclusion positions Credicorp well for future expansion.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Aug 13, 2026 | $7.29-0.3% vs $7.31 | $1.8B+1.4% vs $1.8B |
Q2 2026 May 14, 2026 | $7.65+10.5% vs $6.92 | $1.7B-0.1% vs $1.7B |
Q1 2026 Feb 12, 2026 | $5.88-9.5% vs $6.50 | $1.8B+1.8% vs $1.7B |
Q4 2025 Nov 13, 2025 | $6.28-0.2% vs $6.29 | $1.7B+2.1% vs $1.6B |
Lima, Oct. 27, 2026 (GLOBE NEWSWIRE) -- Lima, Peru, October 27, 2026 – Credicorp Ltd. announces to its shareholders and the market that its 3Q26 Earnings Release will be published on Monday, November 9, 2026, after market close.
Lima, Oct. 19, 2026 (GLOBE NEWSWIRE) -- Lima, Peru, October 19, 2026 – Credicorp Ltd. (“Credicorp”) (NYSE: BAP | BVL: BAP) announces that, in accordance with its corporate disclosure policies, the Company will enter its quiet period for the third quarter 2026 earnings release beginning on October 26, in order to prevent any potential disclosure of financial information and to ensure fair and orderly dissemination. This period will end on the date of the earnings release, November 9. During the quiet period, the Company will not disclose any financial information, comment on financial results, or respond to related inquiries.
Credicorp (BAP) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
Credicorp (NYSE: BAP - Get Free Report) and Eastern Bankshares (NASDAQ: EBC - Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, earnings, valuation, risk and dividends. Valuation and Earnings This table compares Credicorp and Eastern
Benchmark BAP against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Credicorp Ltd. (BAP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $347.93 | $27.64B | 12.96 | 12.99% | 29.84% | 19.23% | 3.14% | |
| $7.39 | $81.45B | 9.39 | 4.21% | 25.77% | 21.15% | 10.42% | |
| $2.54 | $26.86B | 5.64 | 11.85% | 20.41% | 14.13% | 8.01% | |
| $4.64 | $34.74B | 14.92 | -3.79% | 26.65% | 9.95% | 3.41% | |
| $39.17 | $35.06B | 9.94 | 68.77% | — | — | 2.02% | |
| $10.60 | $2.16B | 8.77 | -11.01% | 8.17% | 10.25% | 0.59% |
Credicorp Ltd. (BAP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Credicorp Ltd. (BAP) stock FAQ — growth, dividends, profitability & financials explained
Credicorp Ltd. (BAP) grew revenue by 9.8% over the trailing twelve months, compared with the twelve months before.
Yes. Credicorp Ltd. (BAP) earned $7.34B in net income over the trailing twelve months (a 29.8% net margin).
Yes. Credicorp Ltd. (BAP) pays a dividend that yields 3.14% at the current price, a moderate yield.
Credicorp Ltd. (BAP) had a return on equity (ROE) of 19.2% over the trailing twelve months. That is above the market's typical 10-15%.
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 47.4%. This is excellent, indicating strong cost control.
