Credicorp Ltd. (BAP) Earnings History
Elite Compounder29 years of earnings data (1997–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Credicorp Ltd. (BAP) Earnings Overview
As of June 22, 2026, Credicorp Ltd. (BAP) reported trailing twelve-month net income of $7.20B, reflecting +25.6% year-over-year growth. The company earned $90.55 per diluted share over the past four quarters, with a net profit margin of 23.9%.
Looking at the long-term picture, BAP's 5-year EPS compound annual growth rate (CAGR) stands at +81.9%, indicating exceptional earnings growth. The company achieved its highest annual net income of $6.93B in fiscal 2025, representing a new all-time high.
Credicorp Ltd. maintains industry-leading profitability with a gross margin of 73.7%, operating margin of 34.4%, and net margin of 23.9%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including ITUB ($44.86B net income, 11.7% margin), BBD ($23.21B net income, 6.8% margin), BSBR ($12.69B net income, 8.4% margin), BAP has outperformed on profitability metrics. Compare BAP vs ITUB →
BAP Earnings vs Peers
Earnings metrics vs comparable public companies
BAP Historical Earnings Data (1997–2025)
29 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $6.93B | +25.9% | $9.95B | $86.80 | 23.9% | 34.4% |
| 2024 | $5.50B | +13.1% | $7.82B | $69.09 | 20.4% | 29.0% |
| 2023 | $4.87B | +4.7% | $6.85B | $61.08 | 19.2% | 27.0% |
| 2022 | $4.65B | +29.7% | $6.87B | $58.13 | 22.5% | 33.3% |
| 2021 | $3.58B | +933.3% | $5.33B | $44.99 | 18.7% | 27.7% |
| 2020 | $347M | -91.9% | $224M | $4.36 | 1.9% | 1.2% |
| 2019 | $4.27B | +7.1% | $5.98B | $53.53 | 23.8% | 33.3% |
| 2018 | $3.98B | -2.6% | $5.59B | $49.99 | 24.0% | 33.7% |
| 2017 | $4.09B | +16.4% | $5.57B | $51.35 | 25.0% | 34.0% |
| 2016 | $3.51B | +13.7% | $4.89B | $44.15 | 22.9% | 31.8% |
| 2015 | $3.09B | +29.5% | $4.36B | $38.84 | 21.4% | 30.2% |
| 2014 | $2.39B | +55.2% | $3.39B | $29.97 | 18.9% | 26.9% |
| 2013 | $1.54B | -26.0% | $2.33B | $19.31 | 14.5% | 22.0% |
| 2012 | $2.08B | +11.5% | $2.79B | $26.11 | 21.8% | 29.3% |
| 2011 | $1.87B | +14.0% | $2.46B | $23.41 | 25.1% | 33.0% |
| 2010 | $1.64B | +20.0% | $2.26B | $20.53 | 23.6% | 32.7% |
| 2009 | $1.36B | +21.3% | $1.83B | $17.12 | 19.1% | 25.7% |
| 2008 | $1.12B | +6.9% | $1.56B | $14.11 | 15.1% | 21.0% |
| 2007 | $1.05B | +49.6% | $1.32B | $13.19 | 21.3% | 26.7% |
| 2006 | $703M | +12.2% | $958M | $8.80 | 16.6% | 22.6% |
| 2005 | $626M | +46.1% | $879M | $7.85 | 16.6% | 23.3% |
| 2004 | $429M | +53.3% | $578M | $5.38 | 13.3% | 18.0% |
| 2003 | $280M | +87.6% | $417M | $3.50 | 8.8% | 13.2% |
| 2002 | $149M | -20.6% | $264M | $1.86 | 4.9% | 8.6% |
| 2001 | $188M | +200.4% | $274M | $2.34 | 5.3% | 7.8% |
| 2000 | $62M | -59.1% | $97M | $0.78 | 1.6% | 2.5% |
| 1999 | $153M | +8.4% | $183M | $1.89 | 3.6% | 4.4% |
| 1998 | $141M | -51.9% | $205M | $1.74 | 3.5% | 5.1% |
| 1997 | $293M | - | $441M | $3.62 | 15.0% | 22.6% |
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BAP — Frequently Asked Questions
Quick answers to the most common questions about buying BAP stock.
What is BAP earnings per share (EPS)?
BAP trailing twelve-month (TTM) diluted EPS is $90.55, reflecting +25.6% year-over-year growth. The 5-year EPS CAGR is +81.9%. Complete EPS history from 1997 to 2025 is available in the table on this page.
What is Credicorp Ltd.'s net income?
Credicorp Ltd. (BAP) trailing twelve-month net income is $7.2B as of 2025. Earnings grew +25.6% year-over-year. Credicorp Ltd. has been profitable for 29 consecutive years.
Is BAP profitable?
Yes, BAP is profitable with a TTM net income of $7.2B and a net profit margin of +23.9%. Credicorp Ltd. has generated profits for 29 consecutive years.
What is BAP's earnings growth rate?
BAP compound annual EPS growth rates (CAGR): 1-Year: +25.6%, 3-Year: +14.3%, 5-Year: +81.9%, 10-Year: +8.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1997 to 2025.
What are BAP's profit margins?
Credicorp Ltd. net profit margin is +23.9%, operating margin is +34.4%, and gross margin is +73.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +19.2%.
Is BAP growing earnings?
Yes, BAP earnings are accelerating — EPS growth of +25.6% exceeds the 5-year CAGR of +81.9%. TTM net income reached $7.2B. Earnings momentum is strengthening.
What was BAP's best earnings year?
Credicorp Ltd.'s highest annual net income on record is $6.9B, achieved in fiscal year 2025. Earnings history on this page spans 1997 to 2025 and includes all annual and quarterly figures.
What were BAP's earnings last quarter?
BAP's most recent reported quarter was Q1 2026. Net income was $2.1B with diluted EPS of $25.91. For a full breakdown of all quarters, see the quarterly earnings table on this page.