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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
Calle Centenario N 156, La Molina, Lima, 12, Peru
51-1-313-2000
www.grupocredicorp.com
Market Cap
$26.34B
P/E (TTM)
13.1
14.2
Dividend Yield
4.2%
52W High
$380.20
52W Low
$183.51
52W Range
75%
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)

BBDO stock ticker logoBBDO
$57.86B
+29.7%
BSBR stock ticker logoBSBR
$28.24B
+22.4%
CIB stock ticker logoCIB
$10.68B
-0.2%

Gross Margin (Latest Quarter)

BCH stock ticker logoBCH
2129.7%
+35.5pp
BSAC stock ticker logoBSAC
193.1%
+5.8pp
BLX stock ticker logoBLX
93.9%
+1.2pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BSBR$47.63B18.411.2%10.2%
BBDO$39.51B9.513.6%34.1%
BAP$26.34B13.119.3%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:$1.39B
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data