Stock AnalizCredicorp Ltd. BAP
Commercial Banks · data as of November 13, 2026
Credicorp Ltd. (BAP) is a financial company listed in the US with a market value of about $29.3B. In the twelve months to September 30, 2026 it had revenue of $7.8B and net income of $2.2B, a net margin of 28.5%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is value (3/5); the weakest is track record (1/5).
Key numbers: a P/E of 13.2, a price to free cash flow of 13.6, 5-year revenue growth of 7% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 29% below the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.8B | $7.0B | $8.1B | $7.5B | $6.1B | $5.7B | $5.4B | $5.8B | $5.3B | $5.2B | $4.9B |
| Net income | $2.2B | $2.0B | $1.6B | $1.4B | $1.4B | $1.1B | $102M | $1.3B | $1.2B | $1.2B | $1.0B |
| Free cash flow | — | $2.2B | $4.2B | $1.1B | -$395M | $1.1B | $3.7B | $2.0B | -$127M | $2.8B | -$434M |
| EPS (diluted) | $27.96 | $25.59 | $20.35 | $18.00 | $17.20 | $13.26 | $1.28 | $15.78 | $14.74 | $15.14 | $13.00 |
| Net margin | 28.5% | 28.9% | 20.0% | 19.0% | 22.2% | 18.4% | 1.9% | 21.7% | 22.1% | 23.2% | 20.9% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Credicorp’s P/E ratio?
About 13.2, based on the last twelve months of diluted earnings per share (forward P/E about 10.8).
Is Credicorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 29% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Credicorp pay a dividend?
Yes. The dividend yield is about 3.91%, and it has paid dividends for 10 years in our data.
Is Credicorp a good stock to buy?
We do not give buy or sell advice. Credicorp scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.