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Upturn AI SWOT - About
BAP 
Credicorp Ltd (BAP)
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Upturn Advisory Summary
10/15/2025: BAP (2-star) is a SELL. SELL since 3 days. Simulated Profits (36.03%). Updated daily EoD!
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
13 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $269.11
1 Year Target Price $269.11
| 7 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.87% | Avg. Invested days 53 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 20.05B USD | Price to earnings Ratio 11.31 | 1Y Target Price 269.11 |
Price to earnings Ratio 11.31 | 1Y Target Price 269.11 | ||
Volume (30-day avg) 13 | Beta 1.08 | 52 Weeks Range 156.82 - 280.88 | Updated Date 10/17/2025 |
52 Weeks Range 156.82 - 280.88 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 4.36% | Basic EPS (TTM) 22.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.66% | Operating Margin (TTM) 49.9% |
Management Effectiveness
Return on Assets (TTM) 2.57% | Return on Equity (TTM) 18.78% |
Valuation
Trailing PE 11.31 | Forward PE 10.09 | Enterprise Value 10171204608 | Price to Sales(TTM) 1.02 |
Enterprise Value 10171204608 | Price to Sales(TTM) 1.02 | ||
Enterprise Value to Revenue 4.25 | Enterprise Value to EBITDA - | Shares Outstanding 79366317 | Shares Floating 53922454 |
Shares Outstanding 79366317 | Shares Floating 53922454 | ||
Percent Insiders 14.61 | Percent Institutions 78.45 |
Upturn AI SWOT
Credicorp Ltd
Company Overview
History and Background
Credicorp Ltd. is a financial services holding company incorporated in Bermuda and headquartered in Lima, Peru. It was founded in 1889 as Banco Italiano, later becoming Banco de Credito del Peru (BCP). Over time, it evolved into Credicorp, a holding company encompassing various financial services businesses.
Core Business Areas
- Universal Banking: Banco de Credito del Peru (BCP) is the largest bank in Peru, offering a wide range of banking products and services to individuals and businesses, including deposits, loans, credit cards, and wealth management.
- Microfinance: Mibanco is a leading microfinance institution in Peru, providing financial services to micro and small businesses, focusing on underserved populations.
- Insurance and Pension Funds: Pacifico Seguros offers a range of insurance products, including life, health, and property & casualty insurance. Prima AFP manages pension funds for individuals in Peru.
- Investment Banking and Wealth Management: Credicorp Capital provides investment banking, asset management, and wealth management services to institutional and high-net-worth clients.
Leadership and Structure
Credicorp Ltd. is led by a Board of Directors and an executive management team. The company operates with a holding company structure, with each business segment managed by its own leadership team.
Top Products and Market Share
Key Offerings
- Loans (BCP): BCP offers various loan products, including personal loans, mortgages, and commercial loans. BCP holds a significant market share in Peru's lending market, estimated around 30%. Competitors include Scotiabank Peru, BBVA Continental, and Interbank.
- Market Share (%): 30
- Market Share (%): 25
- Microloans (Mibanco): Mibanco specializes in providing microloans to small businesses, often excluded from traditional banking services. Mibanco has a strong market share in the microfinance sector in Peru, estimated around 25%. Competitors include Caja Municipal de Ahorro y Cru00e9dito (CMACs) and other microfinance institutions.
- Insurance (Pacifico Seguros): Pacifico Seguros offers various insurance products, including health, life, and property insurance. Pacifico Seguros holds a considerable market share in Peru's insurance market, with an estimated share around 20%. Competitors include Rimac Seguros and Mapfre.
- Market Share (%): 20
Market Dynamics
Industry Overview
The financial services industry in Peru is growing, driven by increasing financial inclusion and economic development. The market is becoming more competitive, with local and international players.
Positioning
Credicorp is the largest financial services holding company in Peru, with a strong brand reputation and a diversified portfolio of businesses. Its competitive advantage lies in its scale, distribution network, and expertise in the Peruvian market.
Total Addressable Market (TAM)
The total addressable market for financial services in Peru is estimated to be in the tens of billions of dollars. Credicorp is well-positioned to capture a significant portion of this market due to its extensive reach, diverse product offerings, and strong brand recognition.
Upturn SWOT Analysis
Strengths
- Leading market position in Peru
- Diversified business portfolio
- Strong brand reputation
- Extensive distribution network
- Experienced management team
Weaknesses
- Concentration in the Peruvian market
- Exposure to regulatory risks
- Potential for credit risk
- Dependence on economic conditions in Peru
Opportunities
- Expansion into new markets in Latin America
- Growth in digital banking and financial technology
- Increased demand for financial services among underserved populations
- Strategic acquisitions and partnerships
Threats
- Increased competition from local and international players
- Economic downturns in Peru and the region
- Changes in government regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Banco Santander Peru (SAN)
- Itau Corpbanca (ITCB)
- Banco BBVA Peru (BBVA)
Competitive Landscape
Credicorp is the largest financial services company in Peru, with a strong competitive advantage due to its scale, brand recognition, and diversified business portfolio. Competitors include local and international banks and financial institutions.
Major Acquisitions
Atlantic Security Bank
- Year: 2016
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expand Credicorp's international banking operations in Panama.
Growth Trajectory and Initiatives
Historical Growth: Credicorp has demonstrated consistent growth over the past years, driven by its leading market position and diversified business portfolio.
Future Projections: Future projections for Credicorp's growth are positive, based on analyst estimates, driven by economic development in Peru and the company's strategic initiatives.
Recent Initiatives: Recent strategic initiatives undertaken by Credicorp include investments in digital banking, expansion into new markets, and strategic acquisitions.
Summary
Credicorp Ltd. is a strong financial services company with a dominant position in Peru. Its diversified business model and strong brand provide stability, while its expansion into digital banking presents growth opportunities. However, Credicorp needs to carefully monitor economic conditions in Peru and manage regulatory risks to sustain its success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
- Market Data
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market conditions and company performance are 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 38641 | Website https://grupocredicorp.com |
Full time employees 38641 | 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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