Credicorp Ltd

Credicorp Ltd

BAP · NYSE · Financial Services / Banks - Regional

368.82USD+3.41 (+0.93%)

Price History

Full chart

Market Stats

Previous Close365.41
Open365.92
Day Range365.84 – 371.15
52-Week Range219.84 – 413.25
Volume339.20K
Market Cap29.40B
P/E (TTM)13.94
Forward P/E10.09
EPS26.55
Dividend Yield3.89%
Beta0.87
50-Day Avg379.98
200-Day Avg357.74

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Gianfranco Piero Dario Ferrari de Las Casas
  • Employees52.77K
  • HeadquartersCalle Centenario 156, Lima, Peru, 15026, USA
  • Websitehttps://grupocredicorp.com

Leadership

  • Mr. Luis Enrique Romero BelismelisExecutive Chairman of the Board · b. 1961
  • Mr. Gianfranco Piero Dario Ferrari de Las CasasChief Executive Officer · b. 1965
  • Mr. Ignacio BelaundeChief Financial Officer
  • Mr. José Luis Muñoz RiveraHead of Accounting
  • Ms. Milagros CigüeñasHead of Investor Relations
  • Ms. Barbara FaleroChief Compliance & Ethics Officer · b. 1972
  • Mr. Guillermo Jesus Morales ValentinHead of Legal & Deputy General Secretary · b. 1966
  • Mr. Jose Esposito Li-CarrilloChief Corporate Audit Officer · b. 1964
  • Ms. Ursula Alvarez PenaHead of People Strategy · b. 1976
  • Mr. Enrique Pasquel RodriguezHead of Corporate Affairs · b. 1979

Financials

Income Statement

Currency: USD1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.95B4.03B4.21B3.87B3.52B3.05B3.17B3.22B3.78B4.24B4.94B7.44B7.13B6.93B7.44B9.53B10.58B12.61B14.42B15.37B16.38B16.59B17.95B18.22B19.22B20.63B25.37B27.00B28.92B
Growth (%)-+105.99%+4.61%-8.02%-9.03%-13.42%+3.82%+1.61%+17.42%+12.20%+16.52%+50.71%-4.17%-2.84%+7.32%+28.16%+10.98%+19.20%+14.36%+6.55%+6.59%+1.27%+8.18%+1.51%+5.50%+7.32%+23.02%+6.40%+7.11%
Cost of Revenue1.07B2.14B2.23B1.98B1.51B976.33M797.78M578.46M574.33M853.23M1.38B1.92B1.69B1.69B1.97B2.83B3.35B3.93B4.44B4.74B4.81B4.66B5.19B9.15B3.86B5.87B9.66B9.66B7.60B
Gross Profit1.95B1.88B1.98B1.90B2.02B2.07B2.37B2.64B3.20B3.39B3.56B5.53B5.44B5.24B5.47B6.71B7.23B8.68B9.98B10.63B11.57B11.93B12.76B9.07B15.36B14.76B15.72B17.33B21.31B
Gross Margin100.00%46.83%47.07%48.99%57.22%67.99%74.81%82.02%84.80%79.87%72.05%74.24%76.24%75.64%73.57%70.35%68.31%68.85%69.21%69.15%70.64%71.90%71.09%49.80%79.93%71.55%61.95%64.20%73.71%
Operating Expense1.51B1.68B1.80B1.80B1.74B1.81B1.95B2.06B2.32B2.43B2.24B3.97B3.61B2.98B3.01B3.91B4.89B5.29B5.62B5.74B6.00B6.34B6.78B8.85B10.03B7.89B8.87B9.51B11.37B
Operating Income441.00M205.27M183.28M96.68M274.08M263.75M417.28M577.85M879.50M958.24M1.32B1.56B1.83B2.26B2.46B2.79B2.33B3.39B4.36B4.89B5.57B5.59B5.98B224.16M5.33B6.87B6.85B7.82B9.95B
Operating Margin22.57%5.10%4.35%2.50%7.78%8.65%13.18%17.96%23.28%22.60%26.71%20.95%25.66%32.66%33.04%29.31%22.05%26.88%30.23%31.83%34.04%33.71%33.30%1.23%27.75%33.31%26.99%28.98%34.40%
EBITDA1.56B334.36M324.34M264.35M434.90M419.77M583.37M730.62M1.01B1.11B1.47B1.74B2.04B2.50B2.70B3.08B2.66B3.82B4.76B5.30B6.00B6.03B6.60B901.09M6.02B7.51B7.52B8.55B10.85B
EBITDA Margin80.08%8.31%7.70%6.83%12.34%13.76%18.42%22.71%26.81%26.23%29.81%23.37%28.55%36.06%36.36%32.31%25.15%30.32%33.01%34.51%36.64%36.34%36.77%4.95%31.34%36.43%29.62%31.66%37.52%
Net Income293.00M140.79M152.58M62.44M187.59M149.03M279.59M428.68M626.26M702.83M1.05B1.12B1.36B1.64B1.87B2.08B1.54B2.39B3.09B3.51B4.09B3.98B4.27B346.89M3.58B4.65B4.87B5.50B6.93B
Net Income Margin14.99%3.50%3.62%1.61%5.32%4.89%8.83%13.32%16.57%16.58%21.29%15.10%19.11%23.60%25.08%21.81%14.54%18.93%21.44%22.87%24.98%24.02%23.77%1.90%18.65%22.53%19.18%20.38%23.95%
R&D------------------00000------
R&D as % of Total Revenue------------------0.00%0.00%0.00%0.00%0.00%------
Interest Expense1.07B1.57B1.62B1.38B1.10B626.13M567.39M525.57M596.22M866.20M1.30B1.76B1.22B1.19B1.40B1.82B2.12B2.17B2.53B2.91B2.96B3.03B3.29B2.98B2.49B3.92B5.86B5.75B4.91B
Interest Expense % of Total Revenue54.76%39.00%38.55%35.51%31.11%20.53%17.92%16.33%15.78%20.43%26.22%23.70%17.11%17.11%18.80%19.09%20.01%17.20%17.52%18.97%18.07%18.29%18.33%16.34%12.95%19.00%23.10%21.31%17.00%

Balance Sheet

Currency: USD1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets21.25B26.60B26.62B26.91B26.09B30.34B28.79B29.80B38.00B39.36B53.08B65.42B63.88B81.30B80.79B106.31B114.09B134.83B155.48B156.44B170.47B177.26B187.86B237.41B243.44B236.75B238.84B256.09B267.34B
Total Liabilities19.23B23.75B23.63B23.81B22.96B27.22B25.37B26.02B33.55B34.67B47.64B59.78B56.62B72.91B71.68B94.93B101.75B120.21B138.75B136.32B148.22B153.00B161.11B211.96B216.61B207.17B205.73B221.11B230.00B
Total Equity2.02B2.52B2.65B2.76B2.74B2.90B3.16B3.49B4.10B4.27B5.02B5.31B6.72B8.23B8.93B10.86B11.83B13.98B16.13B19.66B21.76B23.84B26.24B25.45B26.29B29.58B32.46B34.35B36.60B
Cash-5.39B5.58B6.18B6.53B7.67B5.59B6.03B9.16B8.35B9.22B11.83B8.41B24.47B14.47B20.44B21.76B21.65B22.04B16.63B23.21B22.14B25.96B36.73B39.32B34.11B33.85B47.51B43.30B
Total Debt636.00M3.70B2.34B1.88B2.09B2.79B1.79B2.80B5.47B2.70B4.71B6.08B10.08B8.54B16.51B24.36B25.17B32.63B38.65B38.56B37.65B33.32B32.30B25.87B47.71B26.45B37.55B37.49B34.54B
Net Debt636.00M-1.69B-3.24B-4.31B-4.44B-4.88B-3.80B-3.23B-3.70B-5.65B-4.50B-5.75B1.67B-15.93B2.04B3.92B3.41B10.98B16.61B21.93B14.45B11.18B6.34B-13.82B8.39B-8.10B3.70B-10.02B-8.76B

Cash Flow

Currency: USD1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow507.70M752.85M986.58M652.01M635.18M538.58M1.92B2.31B4.55B1.80B4.02B1.42B-1.44B9.34B-4.49B9.34B2.17B-1.83B-1.36B-1.46B9.30B-251.57M6.93B12.69B3.97B-1.13B4.08B14.52B8.05B
Investing Cash Flow-2.13B-1.21B308.14M35.00M87.90M594.86M-3.44B-1.47B-2.49B-1.86B-4.78B112.60M434.53M3.04B-6.98B-5.46B-884.07M-1.79B-1.58B-1.98B405.67M-234.09M726.21M-1.87B-3.73B1.82B-1.26B527.56M-1.55B
Financing Cash Flow2.51B-117.06M-1.37B-116.96M-224.53M-96.79M-372.89M-2.21M804.69M238.94M1.73B715.65M943.78M1.26B3.34B619.89M147.34M339.56M100.70M-1.61B-2.34B-1.40B-3.55B-2.09B-465.30M-1.60B-2.26B-1.81B-1.62B
Capital Expenditure128.80M184.95M117.03M81.70M106.15M80.39M20.70M109.18M100.96M111.31M161.59M287.03M130.74M425.34M265.17M427.69M836.13M301.73M148.43M387.50M143.85M601.25M506.73M633.36M640.03M896.37M1.15B1.11B315.95M
Free Cash Flow378.90M567.90M869.55M570.31M529.03M458.19M1.90B2.20B4.45B1.69B3.86B1.13B-1.55B8.91B-4.75B8.75B1.29B-2.37B-1.74B-1.76B8.89B-852.82M6.43B12.05B3.33B-2.03B2.93B13.41B7.74B
Dividends Paid81.50M110.70M56.78M28.58M27.58M112.10M82.98M104.59M219.71M268.09M310.86M375.93M346.22M388.30M409.09M491.65M535.25M429.41M539.99M653.33M2.23B1.13B2.23B2.39B398.81M1.20B1.99B3.66B3.00B
FCF to OCF74.63%75.43%88.14%87.47%83.29%85.07%98.92%95.27%97.78%93.83%95.98%79.80%107.73%95.44%105.91%93.70%59.46%130.06%127.75%120.42%95.53%339.00%92.69%95.01%83.89%178.98%71.78%92.35%96.08%
Dividend Paid to FCF21.51%19.49%6.53%5.01%5.21%24.47%4.36%4.76%4.94%15.83%8.06%33.16%-22.35%4.36%-8.61%5.62%41.50%-18.09%-31.02%-37.22%25.12%-132.55%34.75%19.85%11.97%-58.90%68.09%27.33%38.77%

Earnings

Report DateMar 31, 1996May 15, 1996Aug 9, 1996Oct 30, 1996Feb 3, 1997Apr 29, 1997Nov 4, 1997Feb 3, 1998Aug 4, 1998Oct 30, 1998Feb 5, 1999May 6, 1999Aug 12, 1999Nov 20, 2000Jul 27, 2001Feb 11, 2002May 7, 2002Jul 31, 2002Nov 14, 2002Feb 11, 2003May 12, 2003Jul 24, 2003Nov 13, 2003Jan 30, 2004May 3, 2004Jul 28, 2004Nov 8, 2004Feb 8, 2005May 5, 2005Aug 11, 2005Nov 3, 2005Feb 22, 2006May 11, 2006Aug 10, 2006Nov 16, 2006Feb 8, 2007May 10, 2007Aug 7, 2007Oct 29, 2007Feb 6, 2008Apr 24, 2008Jul 24, 2008Nov 5, 2008Feb 5, 2009May 7, 2009Aug 14, 2009Nov 5, 2009Feb 5, 2010May 11, 2010Aug 13, 2010Nov 10, 2010Feb 4, 2011May 10, 2011Aug 10, 2011Nov 3, 2011Feb 2, 2012May 9, 2012Aug 7, 2012Nov 8, 2012Feb 4, 2013May 6, 2013Aug 8, 2013Nov 7, 2013Feb 5, 2014May 8, 2014Aug 7, 2014Nov 6, 2014Feb 9, 2015May 7, 2015Aug 10, 2015Nov 5, 2015Feb 8, 2016May 5, 2016Aug 8, 2016Nov 3, 2016Feb 6, 2017May 4, 2017Aug 7, 2017Nov 6, 2017Feb 5, 2018May 3, 2018Aug 8, 2018Nov 7, 2018Feb 6, 2019May 1, 2019Aug 8, 2019Nov 7, 2019Feb 5, 2020May 7, 2020Aug 6, 2020Nov 6, 2020Feb 7, 2021May 7, 2021Aug 15, 2021Nov 5, 2021Feb 7, 2022May 9, 2022Aug 11, 2022Nov 7, 2022Feb 8, 2023May 6, 2023Aug 15, 2023Nov 6, 2023Feb 7, 2024May 8, 2024Aug 7, 2024Nov 6, 2024Feb 9, 2025May 15, 2025Aug 14, 2025Nov 13, 2025Feb 11, 2026May 14, 2026Aug 13, 2026Nov 9, 2026
EPS Estimate0.330.450.400.420.390.480.460.230.260.040.100.260.140.060.010.290.160.160.130.140.190.170.280.340.290.360.350.410.430.470.520.510.560.660.710.770.881.021.031.091.191.211.361.181.181.341.281.351.401.651.821.801.852.032.072.102.242.412.382.462.602.562.442.342.552.772.792.672.772.862.862.732.863.113.042.973.453.463.643.583.853.954.004.074.204.164.304.203.802.001.931.532.212.3311.413.463.783.723.854.054.094.484.432.684.414.764.724.395.445.976.316.457.267.207.51
EPS Actual0.540.440.420.430.360.480.410.320.31-0.090.020.020.030.060.190.330.190.140.040.170.030.350.330.240.380.410.410.440.550.580.600.560.640.810.640.790.991.101.131.182.230.921.161.231.391.441.531.531.551.791.961.841.982.182.142.372.372.162.852.512.280.682.252.152.712.612.762.552.792.932.842.773.182.903.533.433.413.564.714.133.973.753.773.614.164.074.093.630.77-2.190.852.262.182.1514.593.473.723.624.143.484.684.754.122.755.134.505.063.796.066.416.475.937.597.29-
Surprise63.64%-2.22%5.00%2.38%-7.69%0.00%-10.87%39.13%19.23%-325.00%-80.00%-92.31%-78.57%0.00%1800.00%13.79%18.75%-12.50%-69.23%21.43%-84.21%105.88%17.86%-29.41%31.03%13.89%17.14%7.32%27.91%23.40%15.38%9.80%14.29%22.73%-9.86%2.60%12.50%7.84%9.71%8.26%87.39%-23.97%-14.71%4.24%17.80%7.46%19.53%13.33%10.71%8.48%7.69%2.22%7.03%7.39%3.38%12.86%5.80%-10.37%19.75%2.03%-12.31%-73.44%-7.79%-8.12%6.27%-5.78%-1.08%-4.49%0.72%2.45%-0.70%1.47%11.19%-6.75%16.12%15.49%-1.16%2.89%29.40%15.36%3.12%-5.06%-5.75%-11.30%-0.95%-2.16%-4.88%-13.57%-79.74%-209.50%-55.96%47.71%-1.36%-7.73%27.87%0.29%-1.59%-2.69%7.53%-14.07%14.43%6.03%-7.00%2.61%16.33%-5.46%7.20%-13.67%11.40%7.37%2.54%-8.06%4.55%1.25%-
Timing-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-----------------After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours--After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-market-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap29.40B
Enterprise Value18.86B
Trailing P/E13.94
Forward P/E10.09
PEG Ratio4.55
Price / Sales1.32
Price / Book2.76
EPS26.55
Book Value135.48
Revenue (TTM)22.27B
Gross Profit (TTM)22.10B
Profit Margin33.10%
Operating Margin49.40%
Return on Equity20.41%
Return on Assets2.84%
Shares Outstanding79.42M
Shares Float53.21M
Beta0.87
Dividend Yield3.89%
Dividend Rate14.41
Payout Ratio53.38%

Analyst Ratings

Buy
Based on 14 analystsTarget 427.48
  • Strong Buy
    8
  • Buy
    4
  • Hold
    2

Ownership Breakdown

Institutions
82.84%
Insiders
14.67%
Retail / Other
2.49%

Top Institutional Holders

  • BlackRock Inc
    4.96M6.25%
  • Capital World Investors
    4.40M5.54%
  • FMR Inc
    3.93M4.94%
  • Dodge & Cox
    2.61M3.29%
  • Baillie Gifford & Co Limited.
    2.59M3.26%
  • JPMorgan Chase & Co
    2.43M3.06%
  • Massachusetts Financial Services Company
    2.13M2.68%
  • Royal Bank of Canada
    1.63M2.05%
  • Westwood Global Investments LLC
    1.58M1.98%
  • State Street Corp
    1.36M1.71%
  • Harding Loevner L.P.
    1.28M1.61%
  • The Goldman Sachs Group Inc
    925.19K1.16%
  • Schroder Investment Management Group
    871.32K1.10%
  • Lazard Asset Management LLC
    850.62K1.07%
  • Pzena Investment Management, LLC
    836.57K1.05%
  • Arrowstreet Capital Limited Partnership
    810.17K1.02%
  • Bank of Nova Scotia
    799.05K1.01%

Top Fund Holders

  • Dodge & Cox International Stock I
    2.01M2.53%
  • American Funds American Balanced A
    1.66M2.09%
  • American Funds New Economy A
    801.91K1.01%

Dividends

20261×
14.56May 18, 2026
20251×
11.01May 19, 2025
20242×
2.92Sep 23, 20249.29May 17, 2024
20231×
6.78May 18, 2023
20221×
3.99May 19, 2022
20211×
1.21Sep 14, 2021
20201×
8.80Apr 9, 2020
20192×
2.36Oct 22, 20196.03Apr 15, 2019
20181×
4.30Apr 17, 2018
20173×
4.83Nov 13, 20173.74Apr 13, 20170.38Apr 12, 2017
20161×
2.32Apr 14, 2016
20151×
2.19Apr 17, 2015
20141×
1.90Apr 17, 2014
20131×
2.60Apr 12, 2013
20121×
2.21Apr 16, 2012
20111×
1.88Apr 15, 2011
20101×
1.64Apr 14, 2010
20091×
1.44Apr 16, 2009
20081×
1.44Apr 14, 2008
20071×
1.25Apr 17, 2007

Stock Splits

  • Apr 16, 20141039:1000
  • Mar 27, 199811:10
  • Apr 29, 19976:5
  • Apr 19, 19961175:1000