Credicorp LTD (BAP) Stock Analysis
Sector: Other
AnalystsStrong Buy14 analystsStrengths
- ✓ROE 19.3% — efficient capital deployment
What's happening with BAP
Price History
5-Year Weekly Candlestick Chart
About Credicorp LTD
Credicorp Ltd is a Peruvian financial services company. Show more
The company operates in four business lines, including Universal Banking, Insurance and Retirement, Microfinance, and Investment Banking and Asset Management. Its subsidiaries include Banco de Credito del Peru, Prima AFP, Credicorp Capital, and others. Geographically, the company operates in Peru, Colombia, Bolivia, Chile, Panama, the USA, and Mexico; the majority of its revenue is generated from Peru.
Employees: 52,770 · Website ↗
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
55CP/E (TTM)—
Price / TTM EPS (own statements)
P/FCF15.7xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.4%A
Grade A: ValueTTM FCF / Market Cap
P/S (TTM)1.92xA
Grade A: CheapPrice / TTM Revenue (own statements)
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E12.0xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.05xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.83A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.86%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio45.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
50CROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE19.3%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA2.7%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin24.3%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
0ERevenue CAGR—
Compound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth—
Implied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
25EAltman Z-Score—
Bankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.87xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
0EPiotroski F-Score—
Financial strength 0–9. >7 Strong
Beneish M-Score—
Earnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)—
TTM net income per share (Finnhub fallback)
Cash / Share$115.61
Cash & short-term investments per share (Finnhub)
Book Value / Share$483.41
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity—
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$30.57B
Current Market Capitalization
Beta0.82B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Ratio snapshot Sep 30, 2026
Insider Transactions
Recent SEC Form 4 filings · 2 records
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Cavero Diego Antonio Filed | Cavero Diego Antonio | SellOpen market sale | -3500 | |
Perez-Reyes Alejandro Filed | Perez-Reyes Alejandro | SellOpen market sale | -1073 |
See how BAP ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for BAP in the last 30 days.
See BAP move history →Frequently Asked Questions about BAP
What is the current Credicorp LTD (BAP) stock price?
BAP is trading at $384.91 in the regular session, up 0.23% on the session. PreMarketPrice tracks BAP pre-market, intraday and after-hours prices.
Is BAP stock a buy right now?
PreMarketPrice's quantitative model rates Credicorp LTD's financial health at 25/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is BAP stock overvalued?
Credicorp LTD trades at a trailing P/E of n/a and our valuation score rates it 55/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Credicorp LTD report earnings?
No confirmed earnings date is currently scheduled for BAP. The Earnings section lists recent reports and updates as dates are announced.
What sector does Credicorp LTD operate in?
Credicorp LTD operates in the Other sector. The Related Stocks section lists sector peers for comparison.
What does Credicorp LTD do?
Credicorp Ltd is a Peruvian financial services company.
About Credicorp LTD (BAP) Stock
Credicorp LTD (BAP) is a US-listed stock operating in the Other sector. As of the latest update, Credicorp LTD is trading at $384.91, up 0.23% on the day with a market capitalization of $30.6 billion. The financial health score for BAP is 25/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for BAP stock.
BAP Stock Analysis & Key Metrics
On PreMarketPrice, you can track Credicorp LTD (BAP) across multiple dimensions:
- Pre-market price & movement: Real-time BAP stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for BAP with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Credicorp LTD across multiple reporting periods.
- Financial health score: A composite score of 25/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for BAP.
- Sector peers: Compare BAP against 10 other other stocks on key financial metrics.
Is BAP a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Credicorp LTD (BAP) as an investment. The financial health score of 25/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Credicorp LTD (BAP) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.