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Upturn AI SWOT - About
BAP 
Credicorp Ltd (BAP)
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Upturn Advisory Summary
07/03/2025: BAP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
13 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $229.77
1 Year Target Price $229.77
| 7 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.34% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.04B USD | Price to earnings Ratio 11.32 | 1Y Target Price 229.77 |
Price to earnings Ratio 11.32 | 1Y Target Price 229.77 | ||
Volume (30-day avg) 13 | Beta 1.02 | 52 Weeks Range 142.88 - 228.69 | Updated Date 07/4/2025 |
52 Weeks Range 142.88 - 228.69 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 4.93% | Basic EPS (TTM) 20.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-06-16 | When - | Estimate 5.35 | Actual 6.04 |
Profitability
Profit Margin 30.76% | Operating Margin (TTM) 53.26% |
Management Effectiveness
Return on Assets (TTM) 2.38% | Return on Equity (TTM) 16.64% |
Valuation
Trailing PE 11.32 | Forward PE 10.27 | Enterprise Value 5620838400 | Price to Sales(TTM) 0.96 |
Enterprise Value 5620838400 | Price to Sales(TTM) 0.96 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 79366304 | Shares Floating 53944277 |
Shares Outstanding 79366304 | Shares Floating 53944277 | ||
Percent Insiders 16.21 | Percent Institutions 77.48 |
Upturn AI SWOT
Credicorp Ltd
Company Overview
History and Background
Credicorp Ltd. is a financial services holding company based in Peru. Founded in 1889 as Banco Italiano (later Banco de Credito del Peru), it evolved into Credicorp in 1995 to encompass a broader range of financial services.
Core Business Areas
- Universal Banking: Banco de Credito del Peru (BCP) offers a wide array of banking services, including loans, deposits, and credit cards, to individuals and businesses.
- Insurance and Pensions: Pacifico Seguros provides insurance products (property, casualty, life, and health) and pension fund management services.
- Microfinance: Mibanco focuses on providing financial services to micro and small enterprises (MSEs).
- Investment Banking and Wealth Management: Credicorp Capital offers investment banking, asset management, and wealth management services.
Leadership and Structure
Credicorp Ltd. is led by a board of directors and an executive management team. Gianfranco Ferrari is the current CEO. The organizational structure comprises various subsidiaries, each managed independently but overseen by the Credicorp holding company.
Top Products and Market Share
Key Offerings
- Loans (BCP): BCP offers a wide variety of loan products, including personal loans, mortgages, and commercial loans. BCP holds significant market share in Peru for overall loans. Competitors include Scotiabank Peru (BNS) and Banco BBVA Peru.
- Insurance (Pacifico Seguros): Pacifico Seguros offers property, casualty, life, and health insurance. Pacifico Seguros maintains a leading position in the Peruvian insurance market. Competitors include Rimac Seguros and Mapfre Peru.
- Microfinance Loans (Mibanco): Mibanco focuses on providing loans to micro and small enterprises. Mibanco is the leading microfinance institution in Peru. Competitors include Caja Municipal de Ahorro y Credito.
Market Dynamics
Industry Overview
The Peruvian financial services industry is growing, driven by increasing financial inclusion, economic growth, and a rising middle class. It is also subject to regulatory changes by the SBS (Superintendencia de Banca, Seguros y AFP).
Positioning
Credicorp Ltd. is the largest financial services holding company in Peru. It has a strong brand reputation, a diversified business model, and a wide distribution network. Its competitive advantages include its size, brand, and market share.
Total Addressable Market (TAM)
The TAM for financial services in Peru is estimated to be in the tens of billions of USD annually, encompassing banking, insurance, pensions, and investment services. Credicorp Ltd. is positioned to capture a significant portion of this TAM through its diverse offerings and market leadership.
Upturn SWOT Analysis
Strengths
- Market leadership in Peru
- Diversified business model
- Strong brand reputation
- Extensive distribution network
- Experienced management team
Weaknesses
- Concentration of operations in Peru
- Exposure to Peruvian macroeconomic risks
- Potential for regulatory changes
- Cybersecurity Risk
- Credit Risk
Opportunities
- Expanding financial inclusion
- Growing middle class in Peru
- Untapped potential in digital financial services
- Regional expansion into neighboring countries
- Increasing demand for insurance products
Threats
- Economic slowdown in Peru
- Increased competition from other financial institutions
- Regulatory changes unfavorable to the financial industry
- Political instability
- Fluctuations in currency exchange rates
Competitors and Market Share
Key Competitors
- BNS
- BBVA
- ITUB
Competitive Landscape
Credicorp benefits from its established market position and brand recognition but faces competition from international banks and local financial institutions.
Major Acquisitions
Ultraserfinco S.A.
- Year: 2012
- Acquisition Price (USD millions): 105
- Strategic Rationale: Expanded investment banking capabilities in Colombia.
Growth Trajectory and Initiatives
Historical Growth: Credicorp's growth has been linked to the Peruvian economy's performance and its ability to expand its product offerings and customer base.
Future Projections: Future growth projections depend on analyst estimates and macroeconomic forecasts for Peru. Factors include GDP growth, regulatory changes, and competition.
Recent Initiatives: Recent initiatives may include investments in digital banking, expansion into new market segments, or acquisitions of other financial institutions.
Summary
Credicorp is the largest financial services holding company in Peru, with a strong market position and diversified business model. Its strengths are its brand and market share, but it faces challenges from economic and political instability in Peru. The company is well-positioned to capitalize on growth opportunities through expanding financial inclusion, however, faces threats from regulatory changes and increased competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual due diligence and consultation with a financial professional. Market data is dynamic and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Credicorp Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 1995-10-25 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 46621 | Website https://grupocredicorp.com |
Full time employees 46621 | Website https://grupocredicorp.com | ||
Credicorp Ltd. provides various financial, insurance, and health services and products in Peru and internationally. It operates through Universal Banking; Insurance and Pensions; Microfinance; and Investment Management and Advisory segments. The Universal Banking segment grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. Its 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, credits, deposits, and checking accounts for small and microenterprises. Its Investment Management and Advisory 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; structuring of securitization processes for corporate customers; and management of mutual funds. The company also offers retail, wholesale, and investment banking; treasury; and asset and wealth management, capital markets, and trust services. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.
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