Credicorp Ltd. logo

Credicorp Ltd.

BAP

NYSEFinancial ServicesBanks - Diversified

Latest quote

$378.6

+$8.76 · +2.37%

Aug 21, 3:55 PM ET

BAP company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

50

Fair Value

Momentum

57

Neutral

Sentiment

62

Bullish

Risk resilience

71

Moderate Risk

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Company profile

Company website

Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.

Industry
Banks - Diversified
Sector
Financial Services
Headquarters
PE
CEO
Gianfranco Ferrari
Listed since
Oct 25, 1995
Employees
52,770

Market position

Volume
170.19K
0.4× average
Average volume
425.04K
Average daily volume
Market cap
30.11B USD
Beta
0.86
Market reference 1

Financials

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends86%62%37%13%Gross margin, FY2021: 79.93%Gross margin, FY2022: 71.55%Gross margin, FY2023: 61.95%Gross margin, FY2024: 64.20%Gross margin, FY2025: 73.71%Operating margin, FY2021: 27.75%Operating margin, FY2022: 33.31%Operating margin, FY2023: 26.99%Operating margin, FY2024: 28.98%Operating margin, FY2025: 34.40%Net margin, FY2021: 18.65%Net margin, FY2022: 22.53%Net margin, FY2023: 19.18%Net margin, FY2024: 20.38%Net margin, FY2025: 23.95%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 79.93%. Gross margin FY2022 71.55%. Gross margin FY2023 61.95%. Gross margin FY2024 64.20%. Gross margin FY2025 73.71%. Operating margin FY2021 27.75%. Operating margin FY2022 33.31%. Operating margin FY2023 26.99%. Operating margin FY2024 28.98%. Operating margin FY2025 34.40%. Net margin FY2021 18.65%. Net margin FY2022 22.53%. Net margin FY2023 19.18%. Net margin FY2024 20.38%. Net margin FY2025 23.95%.

Income trends

Revenue

28.92B USD+7.11%

Operating income

9.95B USD+27.13%

Net income

6.93B USD+25.89%
Income trends across reported periods31.45B USD21.32B USD11.18B USD1.05B USDRevenue, FY2021: 19.22B USDRevenue, FY2022: 20.63B USDRevenue, FY2023: 25.37B USDRevenue, FY2024: 27B USDRevenue, FY2025: 28.92B USDOperating income, FY2021: 5.33B USDOperating income, FY2022: 6.87B USDOperating income, FY2023: 6.85B USDOperating income, FY2024: 7.82B USDOperating income, FY2025: 9.95B USDNet income, FY2021: 3.58B USDNet income, FY2022: 4.65B USDNet income, FY2023: 4.87B USDNet income, FY2024: 5.5B USDNet income, FY2025: 6.93B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 19.22B USD. Revenue FY2022 20.63B USD. Revenue FY2023 25.37B USD. Revenue FY2024 27B USD. Revenue FY2025 28.92B USD. Operating income FY2021 5.33B USD. Operating income FY2022 6.87B USD. Operating income FY2023 6.85B USD. Operating income FY2024 7.82B USD. Operating income FY2025 9.95B USD. Net income FY2021 3.58B USD. Net income FY2022 4.65B USD. Net income FY2023 4.87B USD. Net income FY2024 5.5B USD. Net income FY2025 6.93B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue28.92B USD27B USD25.37B USD20.63B USD19.22B USD
Cost of goods sold7.6B USD9.66B USD9.66B USD5.87B USD3.86B USD
Gross profit21.31B USD17.33B USD15.72B USD14.76B USD15.36B USD
Selling, general, and administrative8.71B USD7.99B USD7.4B USD6.62B USD8.28B USD
Operating expenses11.37B USD9.51B USD8.87B USD7.89B USD10.03B USD
Interest income18.79B USD19.82B USD18.75B USD14.98B USD11.81B USD
Interest expense4.91B USD5.75B USD5.86B USD3.92B USD2.49B USD
Depreciation and amortization901.95M USD722.57M USD667.12M USD643.6M USD690.56M USD
Operating income9.95B USD7.82B USD6.85B USD6.87B USD5.33B USD
Net income6.93B USD5.5B USD4.87B USD4.65B USD3.58B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
+2.28%
11 comparable reports
Latest EPS result
7.29
Estimate 7.31 · Miss by 0.27%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates7.966.464.953.45Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 10, 2025: actual 3.76, estimate 4.37, surprise -13.96%, Miss. Q2 2025, reported May 19, 2025: actual 6.02, estimate 5.43, surprise +10.87%, Beat. Q3 2025, reported Aug 14, 2025: actual 6.43, estimate 5.93, surprise +8.43%, Beat. Q4 2025, reported Nov 13, 2025: actual 6.28, estimate 6.29, surprise -0.16%, Miss. Q1 2026, reported Feb 12, 2026: actual 5.88, estimate 6.5, surprise -9.54%, Miss. Q2 2026, reported May 14, 2026: actual 7.65, estimate 6.92, surprise +10.55%, Beat. Q3 2026, reported Aug 13, 2026: actual 7.29, estimate 7.31, surprise -0.27%, Miss. Q4 2026, reported Nov 9, 2026: actual —, estimate 7.39, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.97B1.76B1.54B1.33BQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 10, 2025: actual 1.4B USD, estimate 1.42B USD, surprise -1.36%, Miss. Q2 2025, reported May 19, 2025: actual 1.48B USD, estimate 1.52B USD, surprise -2.55%, Miss. Q3 2025, reported Aug 14, 2025: actual 1.6B USD, estimate 1.56B USD, surprise +2.41%, Beat. Q4 2025, reported Nov 13, 2025: actual 1.67B USD, estimate 1.64B USD, surprise +2.09%, Beat. Q1 2026, reported Feb 12, 2026: actual 1.78B USD, estimate 1.75B USD, surprise +1.76%, Beat. Q2 2026, reported May 14, 2026: actual 1.73B USD, estimate 1.73B USD, surprise -0.07%, Miss. Q3 2026, reported Aug 13, 2026: actual 1.85B USD, estimate 1.82B USD, surprise +1.39%, Beat. Q4 2026, reported Nov 9, 2026: actual —, estimate 1.9B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

15 ratings
Strong buy00%
Buy853%
Hold747%
Sell00%
Strong sell00%

Recent analyst actions

7 institutions
Morgan StanleyupgradeEqual WeightOverweight
CitigroupmaintainBuy
B of A SecuritiesdowngradeBuyNeutral

BAP news

Corporate actions

Corporate action history

Stock split

Effective Apr 16, 2014

1,039:1,000

Stock split

Effective Mar 27, 1998

11:10

Stock split

Effective Apr 29, 1997

6:5

Stock split

Effective Apr 19, 1996

47:40

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