Credicorp Ltd.

BVL:BAP Stock Report

Market Cap: US$14.4b

Credicorp Past Earnings Performance

Past criteria checks 3/6

Credicorp has been growing earnings at an average annual rate of 18.2%, while the Banks industry saw earnings growing at 5.1% annually. Revenues have been growing at an average rate of 12.4% per year. Credicorp's return on equity is 15.6%, and it has net margins of 30.1%.

Key information

18.2%

Earnings growth rate

18.2%

EPS growth rate

Banks Industry Growth3.5%
Revenue growth rate12.4%
Return on equity15.6%
Net Margin30.1%
Next Earnings Update10 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Credicorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BVL:BAP Revenue, expenses and earnings (PEN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2417,3585,2168,8540
30 Jun 2416,7334,9318,6930
31 Mar 2416,4984,9938,4370
31 Dec 2316,1834,8668,3060
30 Sep 2315,9735,0348,3340
30 Jun 2315,9665,1197,9500
31 Mar 2315,6024,8607,6940
31 Dec 2215,1884,6487,5360
30 Sep 2215,2854,6987,1170
30 Jun 2214,8014,5397,2050
31 Mar 2214,0734,0967,0730
31 Dec 2113,0733,5856,8930
30 Sep 2111,8503,1776,9910
30 Jun 2110,4142,1186,3640
31 Mar 218,0147986,1180
31 Dec 207,4443475,9820
30 Sep 208,1986665,5640
30 Jun 209,1561,6555,7940
31 Mar 2011,5623,3745,8710
31 Dec 1912,6414,2656,0180
30 Sep 1912,4524,2495,9900
30 Jun 1912,2404,1685,7920
31 Mar 1912,1274,0475,6080
31 Dec 1811,8373,9845,4210
30 Sep 1812,1074,0914,7700
30 Jun 1812,2744,2984,7250
31 Mar 1812,0964,2404,7350
31 Dec 1711,4634,0925,1190
30 Sep 1711,5523,9234,7060
30 Jun 1711,2223,6554,8450
31 Mar 1711,1513,6094,8680
31 Dec 1611,0063,5154,7500
30 Sep 1610,7033,3514,8100
30 Jun 1610,4413,2084,6820
31 Mar 1610,1953,0834,5680
31 Dec 1510,2483,0924,6340
30 Sep 1510,1432,8574,7370
30 Jun 159,9692,6954,6900
31 Mar 159,7102,5304,6640
31 Dec 149,2812,3884,5060
30 Sep 148,8902,3144,5150
30 Jun 148,4552,1704,3860
31 Mar 148,0201,7314,1900
31 Dec 137,7321,5383,8650

Quality Earnings: BAP has high quality earnings.

Growing Profit Margin: BAP's current net profit margins (30.1%) are lower than last year (31.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BAP's earnings have grown by 18.2% per year over the past 5 years.

Accelerating Growth: BAP's earnings growth over the past year (3.6%) is below its 5-year average (18.2% per year).

Earnings vs Industry: BAP earnings growth over the past year (3.6%) exceeded the Banks industry -8%.

Return on Equity

High ROE: BAP's Return on Equity (15.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 08:03
End of Day Share Price 2024/12/30 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Credicorp Ltd. is covered by 22 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Roberto de Aguiar AttuchBarclays
Ernesto Gabilondo MárquezBofA Global Research
Otavio TanganelliBradesco S.A. Corretora de Títulos e Valores Mobiliários