Credicorp Ltd.
NYSE•BAP
CEO: Mr. Luis Enrique Romero Belismelis
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1995-10-25
Credicorp Ltd. provides various financial, insurance, and health services and products primarily in Peru and internationally. It operates through Universal Banking, Insurance and Pensions, Microfinance, and Investment Banking and Equity Management segments. The Universal Banking segment grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. The 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, deposits, and current accounts for small and microenterprises. The Investment Banking and Equity Management 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; and structuring of securitization processes for corporate customers and manages mutual funds. The company was founded in 1889 and is headquartered in Lima, Peru.
Contact Information
Market Cap
$25.73B
P/E (TTM)
13.1
13.5
Dividend Yield
4.3%
52W High
$380.20
52W Low
$193.13
52W Range
Rank35Top 29.9%
4.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$2.46B+0.00%
4-Quarter Trend
EPS
$5.89+0.00%
4-Quarter Trend
FCF
-$188.08M+0.00%
4-Quarter Trend
2024 FY Earnings Highlights
Key Highlights
Shareholder Structure Correction Amendment corrects Item 7.A ownership data; Atlantic Security Holding Corp holds 15.49% of common shares.
Related Party Lending High Direct loans to related parties reached S/ 2.47B (thousands of soles) outstanding as of December 31, 2024.
Insider Loan Exposure Stabilized Loans to Directors and employees remained stable at S/ 1.4B across 2023 and 2024 fiscal years.
Total Shares Issued Total common shares outstanding as of year-end 2024 reached 94,382,317 shares, par value $5.00.
Risk Factors
Related Party Provisioning Spike Allowance for related party loan losses increased significantly to S/ 58.1M in 2024 from S/ 15.2M previously.
Reporting Accuracy Concern Filing is an amendment correcting prior reported ownership percentages, indicating initial reporting inaccuracies in Item 7.A.
Largest Debtor Concentration The largest related party direct loan balance was S/ 540.8M in 2024, concentrated in the cement sector.
Subsidiary Loan Exposure Inter-subsidiary direct loans/receivables decreased to S/ 932.95M (thousands of soles) by December 31, 2024.
Outlook
Related Party Transaction Review Transactions exceeding US$1 million require Board approval; standard operations are pre-approved under current policies.
US Shareholder Concentration Approximately 89.64% of total issued common shares were held by US residents at the end of 2024.
Loan Terms Compliance Related party loans adhere to normal market terms, avoiding preferential conditions as mandated by Peruvian law.
No Shell Company Status Confirmed not a shell company; this filing is an amendment to the Annual Report on Form 20-F.
Peer Comparison
Revenue (TTM)
$57.86B
$28.24B
$10.68B
Gross Margin (Latest Quarter)
2129.7%
193.1%
94.3%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| BSBR | $43.89B | 16.9 | 11.2% | 10.2% |
| BBDO | $36.50B | 8.6 | 13.6% | 34.1% |
| BAP | $25.73B | 13.1 | 19.3% | 12.9% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
9.5%
Steady Growth
4Q Net Income CAGR
-1.0%
Stable Profitability
Cash Flow Stability
75%
Volatile Cash Flow
Deep Research
Next earnings:May 14, 2026
EPS:$6.94
|Revenue:$1.55B
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data