Banco de Crédito del Perú S.A. provides banking products and services to individuals, small-sized companies, and corporate customers in Peru. More Details
Excellent balance sheet second-rate dividend payer.
Share Price & News
How has Banco de Crédito del Perú's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CREDITC1 is not significantly more volatile than the rest of PE stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CREDITC1's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: CREDITC1 underperformed the PE Banks industry which returned -7% over the past year.
Return vs Market: CREDITC1 underperformed the PE Market which returned 1.3% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Banco de Crédito del Perú's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Banco de Crédito del Perú undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CREDITC1 (PEN3.83) is trading above our estimate of fair value (PEN1.96)
Significantly Below Fair Value: CREDITC1 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CREDITC1 is good value based on its PE Ratio (26.4x) compared to the PE Banks industry average (29.6x).
PE vs Market: CREDITC1 is poor value based on its PE Ratio (26.4x) compared to the PE market (12.6x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CREDITC1's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CREDITC1 is overvalued based on its PB Ratio (2.3x) compared to the PE Banks industry average (1.6x).
How is Banco de Crédito del Perú forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banco de Crédito del Perú has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Banco de Crédito del Perú performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CREDITC1 has high quality earnings.
Growing Profit Margin: CREDITC1's current net profit margins (21.3%) are lower than last year (39.1%).
Past Earnings Growth Analysis
Earnings Trend: CREDITC1's earnings have grown by 2.7% per year over the past 5 years.
Accelerating Growth: CREDITC1's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CREDITC1 had negative earnings growth (-55.9%) over the past year, making it difficult to compare to the Banks industry average (-61.7%).
Return on Equity
High ROE: CREDITC1's Return on Equity (8.8%) is considered low.
How is Banco de Crédito del Perú's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CREDITC1's Assets to Equity ratio (9.8x) is low.
Allowance for Bad Loans: CREDITC1 has a sufficient allowance for bad loans (117%).
Low Risk Liabilities: 71% of CREDITC1's liabilities are made up of primarily low risk sources of funding.
Loan Level: CREDITC1 has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: CREDITC1's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: CREDITC1 has a high level of bad loans (4.7%).
What is Banco de Crédito del Perú current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CREDITC1's dividend (4.13%) is higher than the bottom 25% of dividend payers in the PE market (3%).
High Dividend: CREDITC1's dividend (4.13%) is low compared to the top 25% of dividend payers in the PE market (9.76%).
Stability and Growth of Payments
Stable Dividend: CREDITC1's dividends per share have been stable in the past 10 years.
Growing Dividend: CREDITC1's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (93.8%), CREDITC1's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gianfranco Piero Dario Ferrari de Las Casas (55 yo)
Mr. Gianfranco Piero Dario Ferrari de Las Casas serves as Director at Mibanco – Banco de la Microempresa SA (formerly known as Mibanco, Banco de la Microempresa SA) since 2020. Mr. Ferrari de Las Casas has...
|Chief Executive Officer||2.83yrs||no data||no data|
|Chief Financial Officer||2.83yrs||no data||no data|
|Head of Accounting Division||no data||no data||no data|
|Head of Technology and Digital Strategy||no data||no data||no data|
|Head of Administration & Process Division||no data||no data||no data|
|Head of Investor Relations||no data||no data||no data|
|Head of Legal||11.08yrs||no data||no data|
|Head of Corporate Compliance Division||no data||no data||no data|
|Head of Strategic Planning and Business Development||no data||no data||no data|
|Head of Human Resources||10.5yrs||no data||no data|
|Chief Risk Officer||9.08yrs||no data||no data|
|Head of Credit Division||no data||no data||no data|
Experienced Management: CREDITC1's management team is seasoned and experienced (9.1 years average tenure).
|Independent Director||11.92yrs||no data||no data|
|Independent Director||16.08yrs||no data||no data|
|Independent Vice Chairman of the Board||13.08yrs||no data||no data|
|Independent Director||30.92yrs||no data||no data|
|Director||30.92yrs||no data||no data|
|Chairman of the Board||12.08yrs||no data||no data|
|Director||11.92yrs||no data||no data|
|Independent Director||18.08yrs||no data||no data|
|Director||no data||no data||no data|
|Alternate Director||no data||no data||no data|
|Independent Director||5.92yrs||no data||no data|
|Independent Director||5.92yrs||no data||no data|
Experienced Board: CREDITC1's board of directors are seasoned and experienced ( 12.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco de Crédito del Perú S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Banco de Crédito del Perú S.A.
- Ticker: CREDITC1
- Exchange: BVL
- Founded: 1889
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: S/42.388b
- Shares outstanding: 11.07b
- Website: https://www.viabcp.com
Number of Employees
- Banco de Crédito del Perú S.A.
- Calle Centenario 156
- La Molina
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CREDITC1||BVL (Bolsa de Valores de Lima)||Yes||Common Shares||PE||PEN||Jun 1993|
Banco de Crédito del Perú S.A. provides banking products and services to individuals, small-sized companies, and corporate customers in Peru. The company offers savings and current account; term deposits; ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/02/27 23:06|
|End of Day Share Price||2021/02/26 00:00|
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.