BAP Credicorp Ltd
$389.25
▲ 0.2%Updated Oct 16, 2:25 PM ET
Report Card
BAP at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: Strong · 80/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Price — Past Year
▲ Up 73.5% in the year to Jul 6, 2026
Key Metrics
Market Cap
$31.11B
P/E
14.68x
Forward P/E (est.)
11.73x
ROE
19.3%
Revenue Growth
33.1%
EPS Growth
25.1%
Profit Margin
26.2%
FCF Yield
5.1%
Debt / Equity
0.87x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.8%
Implied Growth (rev. DCF)
-3.0%
Rating Score
80/100
Business Overview
Credicorp Ltd (BAP) is a large-cap NYSE-listed company in the Banking industry, within the Financials sector, with a market value around $31.11B.
In its latest reported year it generated about $7.42B in revenue and $1.49B in net profit.
Our model rates BAP Strong (80/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical Analysis (Educational)
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what BAP's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. BAP trades near $389.25, above its 50-day average ($344.92) and 200-day average ($312.12). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 65 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. BAP's is $14.00 (~3.6% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. In the month to Jul 6, 2026, BAP found buyers near $299.00 (support) and sellers near $399.38 (resistance); its 52-week range then was $216.87–$399.38. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.2× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. The indicators were last computed on Jul 6, 2026; the price is current.
Revenue Growth
4Y CAGR
10.5%
Revenue moved from $4.26B in 2015 to $7.42B in 2024, a 6.4% compound annual growth rate. The most recent year grew a strong 33.1% year over year. Consistent top-line growth is one sign of healthy demand.
Profitability
Gross Margin
—
Operating Margin
35.9%
Net Margin
20.0%
ROE
19.3%
Credicorp Ltd keeps about 26.2% of each sales dollar as net profit. Return on equity is 19.3%. Margins this wide usually signal pricing power or a cost advantage.
Debt Analysis
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
0.87x
Leverage: debt-to-equity is 0.9x. That is a moderate, manageable debt load for most businesses.
Cash Flow Analysis
Operating CF
$3.92B
Free Cash Flow
$3.84B
FCF Margin
51.7%
In the latest year Credicorp Ltd produced about $3.92B of operating cash flow and $3.84B of free cash flow after capital spending. That is a free-cash-flow yield of about 5.1% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
2.8%
Per share (latest FY)
$9.45
Total paid (latest FY)
$739.99M
History on record
10 years
dividend uses 19% of free cash flow
50% of net income paid out
total dividends increased 3 years in a row
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
14.68x
P/S
1.95x
P/B
2.02x
EV / EBITDA
—
BAP trades at 14.7x trailing earnings (about 11.7x on estimated forward earnings), 1.9x sales, and 2.0x book value. Reverse-engineering today's price implies the market expects roughly -3.0% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
DCF Fair Value (Educational)
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
How this DCF estimate is calculatedDCF fair value / share
$1,683.60
Current price
$389.25
Starting FCF (latest 10-K)
$3.84B
Growth, years 1–5
20.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Metrics vs. Sector Range
Where BAP sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How BAP stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
Among the 141 rated Financials companies we cover, BAP ranks #11 by our overall rating. It trades at roughly in line versus the sector on earnings (14.7x P/E vs. 14.9x median) with a higher return on equity (19.3% vs. 13.6%) and faster revenue growth (33.1% vs. 15.9%).
P/E vs sector
14.7x
median 14.9x
ROE vs sector
19.3%
median 13.6%
Growth vs sector
33.1%
median 15.9%
Sector rank
#11
of 141 rated
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
5-Year Projection Model
Project revenue → earnings → price. Edit the assumptions to build your own case.
What drives this projection, and its limits2030 scenario price range (Base Case)
$695.11 – $1,158.52
vs. $389.25 today · implied CAGR 12% – 24%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $9.87B | $13.12B | $17.45B | $23.21B | $30.87B |
| Net income | $1.97B | $2.62B | $3.49B | $4.64B | $6.17B |
| EPS | $24.68 | $32.83 | $43.66 | $58.07 | $77.23 |
| Share price (low) | $222.15 | $295.46 | $392.96 | $522.64 | $695.11 |
| Share price (high) | $370.25 | $492.44 | $654.94 | $871.07 | $1,158.52 |
| CAGR (low–high) | -43% / -5% | -13% / 12% | 0% / 19% | 8% / 22% | 12% / 24% |
Educational scenario model, not a forecast or investment advice. It starts from the latest annual revenue in SEC filings. By default, growth is trailing revenue growth (held between 3% and 45% a year), the net margin is the latest one (held between 3% and 50%, so a loss-making company is modeled with a small profit), and the Base case P/E runs from 60% to 100% of today's. Carrying recent growth forward five years can miss badly in either direction. Outputs are only as good as the assumptions.
Bull Case
The case for BAP:
- Revenue is growing 33.1% a year, a sign of real demand.
- High net margins (26.2%) point to pricing power or efficiency.
- Strong return on equity (19.3%) shows capital is put to work well.
- Healthy free-cash-flow yield (~5.1%) funds buybacks and dividends.
- Pays a 2.8% dividend on top of any price gains.
- Our model's overall read is Strong (80/100).
Bear Case
The case against BAP:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Investment Thesis
On balance, the fundamentals screen favourably: Credicorp Ltd is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 14.7x earnings, which our model scores Strong (80/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 14 Wall Street analysts covering BAP recommend (September 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
BAP's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
In the Idea Lab
BAP — frequently asked questions
Is BAP a good stock to buy?
We don't give buy or sell advice. Our model rates Credicorp Ltd Strong (80/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is BAP's rating on The Stocks School?
Credicorp Ltd currently scores 80/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does BAP's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Credicorp Ltd's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for BAP calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this BAP analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell BAP. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.