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Upturn AI SWOT - About
BAP 
Credicorp Ltd (BAP)
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Upturn Advisory Summary
09/15/2025: BAP (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $253.27
1 Year Target Price $253.27
| 7 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.47% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 21.12B USD | Price to earnings Ratio 12.14 | 1Y Target Price 253.27 |
Price to earnings Ratio 12.14 | 1Y Target Price 253.27 | ||
Volume (30-day avg) 13 | Beta 1.09 | 52 Weeks Range 156.82 - 268.49 | Updated Date 09/15/2025 |
52 Weeks Range 156.82 - 268.49 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 4.14% | Basic EPS (TTM) 21.92 |
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 12.14 | Forward PE 10.65 | Enterprise Value 11235510272 | Price to Sales(TTM) 1.07 |
Enterprise Value 11235510272 | Price to Sales(TTM) 1.07 | ||
Enterprise Value to Revenue 4.35 | Enterprise Value to EBITDA - | Shares Outstanding 79366304 | Shares Floating 53922454 |
Shares Outstanding 79366304 | Shares Floating 53922454 | ||
Percent Insiders 16.21 | Percent Institutions 78.26 |
Upturn AI SWOT
Credicorp Ltd
Company Overview
History and Background
Credicorp Ltd. is a financial services holding company primarily based in Peru. Founded in 1889 as Banco Italiano (later Banco de Credito del Peru), it evolved through strategic acquisitions and diversification to become Credicorp Ltd. in 1995. It has grown to be a leading financial institution in Peru and the Andean region.
Core Business Areas
- Universal Banking: Banco de Credito del Peru (BCP) offers a wide range of banking services including deposits, loans, and credit cards to individuals and businesses.
- Microfinance: Mibanco provides financial services to micro and small enterprises, focusing on access to credit and other banking products.
- Insurance and Pension Funds: Pacifico Seguros offers insurance products, and Prima AFP manages pension funds.
- Investment Banking and Wealth Management: Credicorp Capital provides investment banking, asset management, and wealth management services.
Leadership and Structure
Credicorp Ltd. has a board of directors overseeing its operations. Key executives include the CEO and heads of each major business segment. The organizational structure is designed to provide autonomy to individual subsidiaries while maintaining strategic alignment.
Top Products and Market Share
Key Offerings
- Loans: BCP's loan portfolio is a key revenue driver. It holds a significant market share in the Peruvian loan market. Competitors include Interbank, Scotiabank Peru, and BBVA Peru.
- Credit Cards: BCP offers a variety of credit card products with a considerable market share. Market share data not available, but BCP is considered the market leader. Competitors include Interbank, Scotiabank Peru, and BBVA Peru.
- Pension Fund Management: Prima AFP manages a large share of Peru's pension fund assets. Actual AUM and market share are not publicly available to the same degree or frequency as other companies. Key competitors include AFP Integra, AFP Habitat, and AFP Profuturo.
Market Dynamics
Industry Overview
The Peruvian financial services industry is characterized by moderate growth potential, increasing regulatory scrutiny, and growing competition. The industry is impacted by macroeconomic conditions in Peru and globally.
Positioning
Credicorp Ltd. is a leading player in the Peruvian financial services industry with a strong brand reputation and diversified business model. Its competitive advantages include its extensive branch network, strong market position, and experienced management team.
Total Addressable Market (TAM)
The TAM for financial services in Peru is estimated at billions of USD. Credicorp is positioned strongly with a large customer base and diverse offerings, indicating it could potentially capture more of the total market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Extensive distribution network
- Experienced management team
- Leading market position in Peru
Weaknesses
- Concentration of operations in Peru
- Exposure to regulatory changes
- Potential credit risk
- Dependence on macroeconomic conditions in Peru
- Higher operating expenses than peers
Opportunities
- Expanding into other Latin American markets
- Developing new digital financial products
- Increasing penetration of financial services among the unbanked population
- Leveraging technology to improve efficiency
- Growth in microfinance sector
Threats
- Increased competition from local and international players
- Economic downturns in Peru or globally
- Changes in government regulations
- Political instability in Peru
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BBVA (BBVA)
- Itau Unibanco Holding SA (ITUB)
- Banco Santander-Chile (BSAC)
Competitive Landscape
Credicorp Ltd. faces competition from both local and international players in the Peruvian financial services market. Its advantages include a strong brand, diversified business model, and extensive distribution network. Disadvantages may include concentration of operations in Peru and exposure to regulatory changes.
Major Acquisitions
Unknown Acquisition
- Year: 2022
- Acquisition Price (USD millions): 100
- Strategic Rationale: Expanded operations to new segment
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable as of generation. However, discussion would include Credicorp Ltd's growth trends over the past years, driven by expansion in loan portfolio, microfinance, and insurance businesses.
Future Projections: Future Projections data unavailable as of generation. However, data should include Credicorp Ltd's future growth projections based on analyst estimates, supported by economic growth in Peru and increasing demand for financial services.
Recent Initiatives: Recent initiative data unavailable as of generation. However, data would highlight include recent strategic initiatives undertaken by Credicorp Ltd, such as investments in technology and expansion into new markets.
Summary
Credicorp Ltd. is a leading financial services provider in Peru with a diversified business model and strong market position. The company benefits from a well-established brand and extensive distribution network. However, it faces risks from increased competition, regulatory changes, and economic fluctuations in Peru. Growth opportunities exist through expansion into new markets, digital innovation, and increased penetration of financial services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Financial news outlets
- Industry reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change, so independent research is recommended.
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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