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Credicorp Ltd (BAP) stock analysis

BAPNYSECommercial Banks, NECFiscal year ends December 31
Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 27, 2026Score 8/30
$368.74+0.94 (+0.26%)

Close on Nov 11, 2026

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth2Performance5Health1Dividend0

Weak8 of 30 checks passed

Credicorp passes 8 of the 30 checks behind our score; 18 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
2/6
Past performance
5/6
Financial health
1/6
Dividend
0/6

What stands out

  • Return on equity over 15%

    Return on equity was 19.0% over the last twelve months and averaged 16.4% over five years.

  • Earnings grew over 5 years

    Net income grew 82.0% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 10.9% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 14.3% a year over the last three fiscal years.

What to watch

  • Earnings growth not accelerating

    Net income grew 25.9% over the last twelve months, against a 5-year average of 82.0% a year.

  • Growing slower than the industry

    Revenue grew 3.9% over the last twelve months; the Commercial Banks median is 11.3%.

  • Net margin below the industry

    Credicorp's net margin of 24.3% is below the Commercial Banks median of 30.3%.

  • No dividend

    Credicorp has not paid a dividend in the last twelve months.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 10.9% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 14.3% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 25.9% over the last twelve months, against a 5-year average of 82.0% a year.

  • Growing slower than the industry

    Revenue grew 3.9% over the last twelve months; the Commercial Banks median is 11.3%.

  • Guidance issued

    The latest outlook (2026 ROE, Feb 17, 2026) was issued for the first time, so it neither adds nor takes away points.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance5/6

  • Return on equity over 15%

    Return on equity was 19.0% over the last twelve months and averaged 16.4% over five years.

  • Return on assets over 1%

    Return on assets was 2.6%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Credicorp's return on equity of 19.0% is above the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 82.0% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 24.3% over the last twelve months, against a 5-year average of 20.8%.

  • Net margin below the industry

    Credicorp's net margin of 24.3% is below the Commercial Banks median of 30.3%.

Financial health1/6

  • Well capitalized

    Equity is 14.4% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Needs non-interest expense and revenue.

  • Deposits growing

    Needs deposits a year ago.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    Credicorp has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Credicorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$129.18M
Value traded per 1% price move
$97.48M

Downside

Low risk

Typical loss in a bad month
9.2%
Volatility (annualized)
35%
Sharpe ratio, 1 year
1.08
Beta to the S&P 500 (5Y)
0.63

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2014 to 2025

Net margin

24.3%+22.4 pts over 5 years

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