BAP$343.68
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Powered by LiveAIOverall Analysis
BuyCredicorp Ltd. presents a compelling investment case with strong fundamental performance, particularly in profitability and balance sheet health, and a positive outlook from its core banking and insurance operations. While technical indicators suggest recent price appreciation may lead to short-term consolidation, the long-term trend remains positive. Thematic alignment is moderate, focused on financial inclusion and economic development in Latin America.
Thematic
Credicorp is well-positioned within the financial services sector in Latin America, benefiting from trends in financial inclusion and economic growth in its key markets. However, it faces competition and evolving regulatory landscapes.
Fundamental
Credicorp demonstrates robust profitability and a strong balance sheet. Its P/E ratio is very attractive, and its revenue and net income growth have been solid. The company maintains a healthy cash position and manageable debt levels.
Technical
Credicorp's stock is in a strong upward trend, trading well above key moving averages. While some oscillators indicate potential overbought conditions, the overall momentum is positive, suggesting continued upward potential with possible short-term consolidation.
| Factor | Score |
|---|---|
| Financial Inclusion | 80 |
| Economic Growth (Latin America) | 70 |
| Digital Transformation in Finance | 60 |
| Regulatory Environment | 50 |
| Geopolitical Stability | 65 |
| Factor | Score |
|---|---|
| Valuation | 95 |
| Profitability | 90 |
| Growth | 75 |
| Balance Sheet Health | 85 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 85 |
| Momentum | 60 |
| Volume Confirmation | 70 |
| Support & Resistance | 70 |
| Short-Term Oscillators | 55 |
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Powered by LiveAIBullish Points (7)
Strong Earnings Momentum
Recent quarterly EPS estimates have been exceeded, with reported EPS of 22.36 significantly beating the estimate of 19.93 in Q2 2025. The company has a history of surprising positively on earnings.
Attractive P/E Ratio
The trailing P/E ratio (TTM) is 11.87, which appears attractive compared to historical levels and the broader market, suggesting potential undervaluation.
Bearish Points (7)
Potential Overvaluation Based on P/S
The Price-to-Sales (P/S) ratio for 2024 is 0.7, while TTM P/S is 1.2. While TTM P/S is lower than some historical periods, quarterly P/S ratios (e.g., 3.7 in Q1 2024) can be significantly higher, suggesting potential overvaluation in certain periods.
Inconsistent Earnings Growth
While some quarters show positive surprises (e.g., Q2 2025), other quarters have missed estimates (e.g., Q1 2025), indicating potential volatility and unpredictability in earnings.
Calendar
May 2025
19
Ex-Dividend Date
June 2025
13
Next Dividend Date
August 2025
15
Next Earnings Date
H: $6.50
A: $5.97
L: $5.69
H: 1.60B
A: 1.56B
L: 1.49B
Profile
Credicorp Ltd. provides various financial, insurance, and health services and products in Peru and internationally. It operates through Universal Banking; Insurance and Pensions; Microfinance; and Investment Management and Advisory segments. The Universal Banking segment grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. Its Insurance and Pensions segment issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; and management services for private pension funds. The Microfinance segment provides management of loans, credits, deposits, and checking accounts for small and microenterprises. Its Investment Management and Advisory segment is involved in provision of brokerage and investment management services for corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structuring of securitization processes for corporate customers; and management of mutual funds. The company also offers retail, wholesale, and investment banking; treasury; and asset and wealth management, capital markets, and trust services. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.
Seasonals
Price Target
239.33 USD
The 39 analysts offering 1 year price forecasts for BAP have a max estimate of 275.00 and a min estimate of 219.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Major Peruvian financial services conglomerate and holding company, direct competitor to Credicorp across banking (Interbank), insurance (Interseguro), and wealth management.
Weight: 90
Leading Canadian bank with a significant and diversified presence across Latin America, including strong retail and corporate banking operations in Peru, making it a key competitor.
Weight: 90
Global banking group with extensive operations in Latin America, including a major and long-standing presence in Peru, directly competing with Credicorp in various financial segments.
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One of the largest diversified financial institutions in Colombia and Central America, with operations spanning multiple countries in Latin America, competing in similar financial services segments, particularly investment banking and asset management.