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Upturn AI Summary - About
Credicorp Ltd(BAP)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BAP
11/06/2026: BAP (4-star) is currently NOT-A-BUY. Pass it for now.
Credicorp Ltd is a prominent diversified financial services holding company based in Peru, known for its strong market position in banking, insurance, and asset management. Its core strength lies in a deep-rooted franchise and a successful digital transformation led by the Yape payments platform, which enhances customer reach. The investment story revolves around leveraging this digital edge to capture growth in underbanked segments. However, investors must weigh these strengths against risks including Peruvian socio-political instability, regulatory pressures, and regional macroeconomic volatility. Credicorp is well-suited for investors seeking long-term exposure to Latin American finance, particularly those who value established market leaders, though monitoring political developments is essential.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to Peruvian macroeconomic trends rather than explosive sector growth. |
| Momentum investor | Mixed fit | Momentum is conditional on positive trends in the Peruvian economy and favorable financial sector sentiment. |
| Value investor | Strong fit | Often trades at valuation multiples that appeal to value-oriented investors seeking emerging market banking exposure. |
| Dividend investor | Strong fit | Has a track record of consistent dividend payments suitable for income-focused portfolios. |
| Low-risk investor | Weak fit | Exposure to emerging market risks and political volatility makes this unsuitable for very low-risk mandates. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | As an emerging market stock, it is subject to currency and geopolitical price fluctuations. |
| Valuation risk | Medium | Valuation is sensitive to changes in long-term economic outlooks for Peru. |
| Competition risk (Fintech/Banking) | Medium | Growing competition from digital-native fintechs could erode margins in traditional segments. |
| Business quality | Strong | The company has a highly integrated and entrenched franchise in the Peruvian financial system. |
| Dividend income | Medium | Dividends can fluctuate based on profitability and regulatory capital requirements. |
| Execution risk | Medium | Successfully managing digital transition and legacy banking integration is critical. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 50.05% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 27.63B USD | Price to earnings Ratio 13.1 | 1Y Target Price 427.48 |
Price to earnings Ratio 13.1 | 1Y Target Price 427.48 | ||
Volume (30-day avg) 321.0K shares | Beta 0.82 | 52 Weeks Range 219.84 - 413.25 | Updated Date 11/08/2026 |
52 Weeks Range 219.84 - 413.25 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 4.14% | Basic EPS (TTM) 26.55 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Universal Banking (BCP) | Interest income from loans and fee income from retail/corporate banking services. | This is the core profit driver, relying on the spread between interest earned and paid. |
| Insurance & Pensions | Premiums from insurance and management fees from pension funds. | Provides recurring, fee-based revenue that complements cyclical banking income. |
| Geography: Peru | All business segments operating within the Peruvian market. | The company's health is intrinsically linked to the economic performance of Peru. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-09 | When After Market | Estimate 7.51 | Actual - |
Profitability
Profit Margin 33.1% | Operating Margin (TTM) 49.4% |
Management Effectiveness
Return on Assets (TTM) 2.84% | Return on Equity (TTM) 20.41% |
Valuation
Trailing PE 13.1 | Forward PE 10.09 | Enterprise Value 17.09B | Price to Sales(TTM) 1.24 |
Enterprise Value 17.09B | Price to Sales(TTM) 1.24 | ||
Enterprise Value to Revenue 4.86 | Enterprise Value to EBITDA - | Shares Outstanding 79.42M | Shares Floating 53.21M |
Shares Outstanding 79.42M | Shares Floating 53.21M | ||
Percent Insiders 14.67 | Percent Institutions 82.54 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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