Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.46 | 3.93 | 3.27 | 3.61 | 3.05 | 2.45 | 2.08 | 3.24 | 2.36 | 2.40 | 2.23 | 3.54 | 2.05 | 2.10 | 1.91 | 2.52 | 1.88 | 2.13 | 5.18 | 2.29 | 1.90 |
| — | +60.4% | +57.5% | +11.2% | +29.0% | +2.3% | -6.7% | -8.5% | +14.9% | +14.0% | +16.7% | +40.4% | +9.4% | -1.4% | -63.2% | +10.0% | -1.1% | -38.2% | +25.8% | -54.0% | -91.9% | |
| P/S Ratio | 4.44 | 1.14 | 1.04 | 0.84 | 1.17 | 0.73 | 0.66 | 0.70 | 0.66 | 0.60 | 0.66 | 0.60 | 0.51 | 0.60 | 0.56 | 0.41 | 0.55 | 0.60 | 0.89 | 0.61 | 0.58 |
| — | +55.7% | +57.7% | +20.4% | +78.2% | +22.1% | -0.9% | +15.9% | +28.0% | -0.2% | +18.8% | +47.8% | -6.2% | +0.3% | -37.0% | -33.5% | -5.1% | -14.9% | +9.9% | -33.8% | -22.5% | |
| P/B Ratio | 2.87 | 0.80 | 0.68 | 0.61 | 0.57 | 0.51 | 0.41 | 0.42 | 0.42 | 0.39 | 0.39 | 0.36 | 0.32 | 0.38 | 0.34 | 0.37 | 0.35 | 0.36 | 0.55 | 0.36 | 0.34 |
| — | +56.9% | +68.7% | +46.8% | +34.6% | +31.5% | +3.8% | +16.1% | +32.2% | +0.8% | +14.8% | -1.6% | -9.6% | +7.4% | -37.7% | +0.8% | +2.7% | -5.2% | +25.9% | -29.2% | -16.2% | |
| P/FCF | 13.78 | 1.71 | — | — | 2.38 | 0.74 | 4.34 | — | — | — | — | 1.53 | 116.26 | — | — | 1.55 | 2.18 | — | — | 4.93 | — |
| — | +130.4% | — | — | — | — | — | — | — | — | — | -1.4% | +5231.6% | — | — | -68.5% | — | — | — | — | — | |
| EV / EBITDA | 9.02 | 2.29 | 1.19 | 1.51 | 1.00 | 0.98 | 0.52 | 0.59 | 0.78 | 1.97 | 1.34 | 2.67 | 1.91 | 2.05 | 1.40 | 2.32 | 1.93 | 2.70 | 3.21 | 2.60 | 1.78 |
| — | +132.5% | +128.4% | +155.1% | +27.4% | -50.0% | -61.0% | -77.8% | -59.0% | -4.1% | -4.7% | +14.8% | -0.8% | -24.0% | -56.2% | -10.8% | +8.3% | -32.4% | -29.6% | -64.6% | -91.1% | |
| EV / EBIT | 9.83 | 2.29 | 1.30 | 1.51 | 1.08 | 1.07 | 0.56 | 0.65 | 0.85 | 2.15 | 1.45 | 3.03 | 2.09 | 2.22 | 1.52 | 2.58 | 2.09 | 2.95 | 3.48 | 2.91 | 1.97 |
| — | +114.7% | +129.5% | +130.6% | +27.0% | -50.3% | -61.1% | -78.5% | -59.3% | -3.4% | -4.7% | +17.5% | +0.1% | -24.7% | -56.3% | -11.1% | +6.1% | -35.4% | -34.3% | -67.2% | -95.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 88.8% | 89.3% | 92.6% | 94.0% | 91.3% | 90.6% | 89.6% | 78.3% | 84.1% | 79.5% | 83.9% | 72.7% | 81.5% | 83.6% | 84.6% | 86.9% | 89.7% | 90.9% | 93.3% | 96.8% | 95.7% |
| — | -1.4% | +3.3% | +20.1% | +8.5% | +13.9% | +6.8% | +7.6% | +3.2% | -4.9% | -0.8% | -16.3% | -9.2% | -8.0% | -9.4% | -10.2% | -6.3% | +1.7% | +14.1% | +22.3% | +58.0% | |
| Operating Margin | 41.4% | 41.5% | 44.9% | 34.5% | 59.9% | 41.9% | 44.9% | 33.6% | 38.6% | 35.3% | 40.9% | 26.1% | 34.7% | 39.4% | 40.5% | 23.7% | 43.3% | 42.1% | 45.3% | 39.3% | 42.3% |
| — | -1.1% | -0.0% | +2.6% | +55.2% | +18.8% | +9.9% | +28.9% | +11.3% | -10.4% | +0.9% | +9.9% | -19.8% | -6.5% | -10.5% | -39.6% | +2.3% | +26.9% | +50.1% | +79.6% | +819.0% | |
| Net Margin | 28.9% | 28.9% | 31.7% | 23.2% | 38.5% | 29.8% | 31.7% | 21.6% | 27.9% | 25.0% | 29.8% | 17.1% | 25.0% | 28.5% | 29.4% | 16.2% | 29.7% | 28.6% | 30.4% | 26.7% | 30.4% |
| — | -3.0% | +0.1% | +7.5% | +38.2% | +19.0% | +6.2% | +26.4% | +11.5% | -12.2% | +1.5% | +5.5% | -15.7% | -0.1% | -3.3% | -39.5% | -2.5% | +40.4% | +54.8% | +43.8% | +862.9% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.2% | 5.0% | 5.4% | 4.2% | 4.8% | 5.1% | 5.0% | 3.3% | 4.5% | 4.0% | 4.5% | 2.6% | 4.0% | 4.6% | 4.6% | 3.7% | 4.9% | 4.4% | 4.5% | 4.0% | 4.5% |
| — | -1.2% | +7.8% | +29.5% | +5.9% | +28.4% | +11.3% | +26.0% | +14.7% | -12.8% | -2.1% | -30.8% | -18.6% | +3.0% | +1.2% | -7.3% | +7.2% | +59.8% | +72.6% | +53.0% | +940.0% | |
| ROA | 2.6% | 0.7% | 0.8% | 0.6% | 0.7% | 0.7% | 0.7% | 0.4% | 0.6% | 0.5% | 0.6% | 0.4% | 0.5% | 0.6% | 0.6% | 0.4% | 0.6% | 0.5% | 0.5% | 0.4% | 0.5% |
| — | -1.6% | +10.0% | +35.4% | +12.6% | +32.3% | +10.6% | +26.3% | +17.0% | -7.6% | +7.8% | -21.1% | -4.9% | +24.7% | +21.6% | +4.4% | +17.5% | +66.3% | +75.1% | +53.8% | +914.5% | |
| ROIC | 10.3% | 2.9% | 3.1% | 2.5% | 2.9% | 2.7% | 2.6% | 1.8% | 2.2% | 2.0% | 2.2% | 1.4% | 1.9% | 2.1% | 2.1% | 1.7% | 2.1% | 1.8% | 1.8% | 1.6% | 1.6% |
| — | +6.9% | +17.0% | +34.3% | +29.9% | +37.7% | +20.4% | +32.8% | +19.3% | -7.3% | +3.5% | -18.4% | -11.0% | +20.2% | +19.8% | +7.6% | +28.5% | +54.9% | +74.3% | +106.3% | +947.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.93 | 0.93 | 0.80 | 0.93 | 0.90 | 0.98 | 0.97 | 1.07 | 1.09 | 1.16 | 1.10 | 1.13 | 1.16 | 1.26 | 1.17 | 1.33 | 1.54 | 1.54 | 1.99 | 1.78 | 1.88 |
| — | -5.5% | -18.2% | -13.7% | -16.9% | -15.0% | -11.1% | -5.5% | -6.6% | -8.0% | -6.4% | -15.0% | -24.4% | -18.2% | -41.2% | -25.0% | -18.3% | -19.8% | -0.2% | -11.2% | -10.8% | |
| Debt / EBITDA | 3.18 | 12.81 | 9.95 | 14.73 | 11.49 | 12.45 | 13.02 | 19.30 | 16.17 | 18.58 | 16.80 | 25.64 | 19.77 | 18.43 | 17.50 | 22.58 | 20.36 | 22.36 | 26.26 | 27.41 | 27.05 |
| — | +2.9% | -23.6% | -23.7% | -28.9% | -33.0% | -22.5% | -24.7% | -18.2% | +0.8% | -4.0% | +13.6% | -2.9% | -17.6% | -33.4% | -17.6% | -24.7% | -40.7% | -37.8% | -50.1% | -83.0% | |
| Current Ratio | 3.23 | 2.37 | 3.91 | 3.15 | 0.48 | 0.48 | 0.51 | 0.53 | 0.52 | 0.46 | 0.49 | 0.49 | 0.43 | 0.42 | 0.43 | 0.47 | 0.42 | 0.39 | 0.49 | 0.49 | 0.45 |
| — | +398.8% | +664.1% | +488.7% | -7.5% | +3.1% | +4.5% | +9.4% | +21.4% | +9.6% | +14.7% | +4.7% | +1.0% | +7.7% | -12.3% | -5.7% | -5.3% | -13.4% | -0.1% | -5.2% | -3.8% | |
| Quick Ratio | 3.23 | 2.37 | 3.91 | 3.15 | 0.48 | 0.48 | 0.51 | 0.53 | 0.52 | 0.46 | 0.49 | 0.49 | 0.43 | 0.42 | 0.43 | 0.47 | 0.42 | 0.39 | 0.49 | 0.49 | 0.45 |
| — | +398.8% | +664.1% | +488.7% | -7.5% | +3.1% | +4.5% | +9.4% | +21.4% | +9.6% | +14.7% | +4.7% | +1.0% | +7.7% | -12.3% | -5.7% | -5.3% | -13.4% | -0.1% | -5.2% | -3.8% | |
| Interest Coverage | 2.02 | 2.15 | 2.33 | 1.55 | 3.49 | 1.96 | 1.90 | 1.27 | 1.50 | 1.29 | 1.38 | 0.85 | 1.10 | 1.33 | 1.44 | 1.41 | 1.74 | 1.98 | 2.36 | 2.54 | 2.70 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying BAP stock.
Credicorp Ltd.'s current P/E is 15.5x. The average P/E over the last 4 quarters is 3.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Credicorp Ltd.'s current operating margin is 41.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Credicorp Ltd.'s business trajectory between earnings reports.