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CREDICORP LTD

BAPNYSE
πŸ† #427 by market capUS Equity
$384.56β–Ό $1.31 (βˆ’0.34%)
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24hβ–Ό 0.3%
7dβ–Ό 2.4%
14dβ–² 3.2%
30dβ–² 4.5%
ytdβ–² 34.3%
1yβ–² 43.9%
🏦Market Cap
$30.55B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+7.1%
Slowing
πŸ“ŠGross Margin
76.7%
High
πŸ’΅FCF Margin
17.6%
Healthy
βš–οΈP/S Ratio
3.5x
Fair
Otter Score
72
Fair

Trading Snapshot

Day Range
$379.69 – $389.71
52-Week Range
$230.45 – $413.25
Volume
$3.92B
Avg Volume
$3.94B
Shares Outstanding
79.4M
Next Earnings
Nov 10, 2026

Fundamentals Snapshot

Annual Revenue
$28.92B
Last Q Revenue
$8.11B
P/E Ratio
14.2
P/S Ratio
3.5x
EPS (TTM)
$92.44
Dividend Yield
3.79%
Dilution (1yr)
+0.1%

Why Investors Own BAP

  • βœ“High-growth profile β€” revenue up +46.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 58% gross margin and 19% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

BAP logo

CREDICORP LTD

BAP
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$28.9Bβ–² +7.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
73.7%β–² +14.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$9.9Bβ–² +27.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$7.7Bβ–Ό βˆ’42.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
79.7Mβ–² +0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$8.8Bβ–Ό βˆ’$1.3B YoY
StockOtter Β· stockotter.space

About CREDICORP LTD

Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$489.97
β–² +27.4% Upside
High Target$566.91
Low Target$405.83
Based on 34 analysts

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