Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Credicorp Ltd.'s quarterly P/E stands at 3.3x, up 57.5% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 128.4% YoY to 1.2x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.92 | 3.27 | 3.61 | 3.05 | 2.45 | 2.08 | 3.24 | 2.36 | 2.40 | 2.23 | 3.54 | 2.05 | 2.10 |
| — | +57.5% | +11.2% | +29.0% | +2.3% | -6.7% | -8.5% | +14.9% | +14.0% | +16.7% | +40.4% | +9.4% | -1.4% | |
| P/S Ratio | 3.56 | 0.87 | 0.69 | 1.00 | 0.60 | 0.53 | 0.55 | 0.52 | 0.47 | 0.51 | 0.46 | 0.39 | 0.46 |
| — | +63.5% | +24.6% | +91.2% | +28.2% | +3.9% | +19.9% | +34.0% | +1.4% | +17.5% | +32.1% | -11.0% | -6.1% | |
| P/B Ratio | 2.77 | 0.68 | 0.61 | 0.57 | 0.51 | 0.41 | 0.42 | 0.42 | 0.39 | 0.39 | 0.36 | 0.32 | 0.38 |
| — | +68.7% | +46.8% | +34.6% | +31.5% | +3.8% | +16.1% | +32.2% | +0.8% | +14.8% | -1.6% | -9.6% | +7.4% | |
| P/FCF | 13.30 | — | — | 2.38 | 0.74 | 4.34 | — | — | — | — | 1.53 | 116.26 | — |
| — | — | — | — | — | — | — | — | — | — | -1.4% | +5231.6% | — | |
| EV / EBITDA | 8.68 | 1.19 | 1.51 | 1.00 | 0.98 | 0.52 | 0.59 | 0.78 | 1.97 | 1.34 | 2.67 | 1.91 | 2.05 |
| — | +128.4% | +155.1% | +27.4% | -50.0% | -61.0% | -77.8% | -59.0% | -4.1% | -4.7% | +14.8% | -0.8% | -24.0% | |
| EV / EBIT | 9.46 | 1.30 | 1.51 | 1.08 | 1.07 | 0.56 | 0.65 | 0.85 | 2.15 | 1.45 | 3.03 | 2.09 | 2.22 |
| — | +129.5% | +130.6% | +27.0% | -50.3% | -61.1% | -78.5% | -59.3% | -3.4% | -4.7% | +17.5% | +0.1% | -24.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Credicorp Ltd.'s operating margin was 37.7% in Q1 2026, up 9.4 pp QoQ and up 1.3 pp YoY. Gross margin expanded 7.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.7% | 77.7% | 76.9% | 77.9% | 74.6% | 72.5% | 61.9% | 66.9% | 62.4% | 64.7% | 55.6% | 61.9% | 64.6% |
| — | +7.1% | +24.2% | +16.4% | +19.5% | +12.0% | +11.4% | +8.1% | -3.3% | -1.9% | -25.3% | -13.8% | -13.9% | |
| Operating Margin | 34.4% | 37.7% | 28.2% | 51.1% | 34.5% | 36.3% | 26.6% | 30.7% | 27.7% | 31.5% | 19.9% | 26.4% | 30.4% |
| — | +3.6% | +6.2% | +66.5% | +24.7% | +15.2% | +33.3% | +16.5% | -9.0% | -0.3% | -1.8% | -23.9% | -12.4% | |
| Net Margin | 23.9% | 26.6% | 19.0% | 32.9% | 24.6% | 25.6% | 17.1% | 22.2% | 19.7% | 23.0% | 13.0% | 19.0% | 22.0% |
| — | +3.8% | +11.3% | +48.2% | +25.0% | +11.4% | +30.8% | +16.7% | -10.8% | +0.3% | -5.8% | -20.1% | -6.5% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.2% | 5.4% | 4.2% | 4.8% | 5.1% | 5.0% | 3.3% | 4.5% | 4.0% | 4.5% | 2.6% | 4.0% | 4.6% |
| — | +7.8% | +29.5% | +5.9% | +28.4% | +11.3% | +26.0% | +14.7% | -12.8% | -2.1% | -30.8% | -18.6% | +3.0% | |
| ROA | 2.6% | 0.8% | 0.6% | 0.7% | 0.7% | 0.7% | 0.4% | 0.6% | 0.5% | 0.6% | 0.4% | 0.5% | 0.6% |
| — | +10.0% | +35.4% | +12.6% | +32.3% | +10.6% | +26.3% | +17.0% | -7.6% | +7.8% | -21.1% | -4.9% | +24.7% | |
| ROIC | 10.3% | 3.1% | 2.5% | 2.9% | 2.7% | 2.6% | 1.8% | 2.2% | 2.0% | 2.2% | 1.4% | 1.9% | 2.1% |
| — | +17.0% | +34.3% | +29.9% | +37.7% | +20.4% | +32.8% | +19.3% | -7.3% | +3.5% | -18.4% | -11.0% | +20.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Credicorp Ltd.'s Debt/EBITDA ratio is 9.9x, down from 14.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 664.1% YoY to 3.91x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 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 |
| — | -18.2% | -13.7% | -16.9% | -15.0% | -11.1% | -5.5% | -6.6% | -8.0% | -6.4% | -15.0% | -24.4% | -18.2% | |
| Debt / EBITDA | 3.18 | 9.95 | 14.73 | 11.49 | 12.45 | 13.02 | 19.30 | 16.17 | 18.58 | 16.80 | 25.64 | 19.77 | 18.43 |
| — | -23.6% | -23.7% | -28.9% | -33.0% | -22.5% | -24.7% | -18.2% | +0.8% | -4.0% | +13.6% | -2.9% | -17.6% | |
| Current Ratio | 3.23 | 3.91 | 3.15 | 0.48 | 0.48 | 0.51 | 0.53 | 0.52 | 0.46 | 0.49 | 0.49 | 0.43 | 0.42 |
| — | +664.1% | +488.7% | -7.5% | +3.1% | +4.5% | +9.4% | +21.4% | +9.6% | +14.7% | +4.7% | +1.0% | +7.7% | |
| Quick Ratio | 3.23 | 3.91 | 3.15 | 0.48 | 0.48 | 0.51 | 0.53 | 0.52 | 0.46 | 0.49 | 0.49 | 0.43 | 0.42 |
| — | +664.1% | +488.7% | -7.5% | +3.1% | +4.5% | +9.4% | +21.4% | +9.6% | +14.7% | +4.7% | +1.0% | +7.7% | |
| Interest Coverage | 2.02 | 2.33 | 1.55 | 3.49 | 1.96 | 1.90 | 1.27 | 1.50 | 1.29 | 1.38 | 0.85 | 1.10 | 1.33 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 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 14.9x. The average P/E over the last 4 quarters is 3.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Credicorp Ltd.'s current operating margin is 34.4%. Margins have been expanding 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.