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Credicorp

NYQ:BAP · BMG2519Y1084
BanksMedium

360

54
Profit price24
Cash yield59
Price/Sales35
EV / Gross Profit89
Price/Book20
Returns on capital96
Profit margins—
Cash Conversion48
Accruals29
Owner Earnings Margin34
Sales growth50
Profit Growth93
Long-Term EPS Growth83
Owner Earnings Growth87
Reinvestment20
Price momentum89
Debt load78
Debt serviceability57
Liquidity26
Analyst ratings67
Opinion Changes67
Price Target Upside17
Market mood83
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Credicorp generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryPeru
IndustryBanks
SizeMedium
TypePublic Company
ExchangeNYSE
Founded1995
Employees457
Websitegrupocredicorp.com
ISINBMG2519Y1084
Last UpdateApr 2, 2026
Indices
Renewable Energy Users
Themes
Electronic Money Institutions (EMIs)Financial ServicesLending and Investments

Description

Credicorp Ltd. (Credicorp) provides various financial, insurance, and health services and products primarily in Peru and internationally. Credicorp conducts its operations through four lines of business: (i) Universal Banking; (ii) Insurance and Pen…

Analysis

Beloved champion

Credicorp Ltd. is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is attractive. You pay 14.2× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly 2% yearly growth; analysts expect 16%. The price, in other words, assumes less than the experts do.

The trajectory is solid and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
93
2023202420252026

All-time high

93

Jun 2026

All-time low

27

Jan 2023

Average rank

57

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
35
33
41
29
Price/Earnings
52
25
26
25
Price/Book
20
17
21
19
Dividend Yield
59
58
48
31
Value (overall)
36
21
25
33

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →