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Credicorp Ltd (BAP)

Upturn stock ratingUpturn stock rating
$223.52
Last Close (24-hour delay)
Profit since last BUY17.85%
upturn advisory
Consider higher Upturn Star rating
BUY since 43 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

06/30/2025: BAP (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

13 Analysts rated it

Well-followed company, solid analyst reports, reliable data for confident investing.

1 Year Target Price $228.01

1 Year Target Price $228.01

Analysts Price Target For last 52 week
$228.01Target price
Low$142.88
Current$223.52
high$225.68

Analysis of Past Performance

Type Stock
Historic Profit 5.58%
Avg. Invested days 43
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 17.77B USD
Price to earnings Ratio 11.26
1Y Target Price 228.01
Price to earnings Ratio 11.26
1Y Target Price 228.01
Volume (30-day avg) 13
Beta 1.02
52 Weeks Range 142.88 - 225.68
Updated Date 06/30/2025
52 Weeks Range 142.88 - 225.68
Updated Date 06/30/2025
Dividends yield (FY) 4.92%
Basic EPS (TTM) 19.88

Analyzing Revenue: Products, Geography and Growth

Revenue by Geography

Geography revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

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 11.26
Forward PE 10.2
Enterprise Value 5650997248
Price to Sales(TTM) 0.95
Enterprise Value 5650997248
Price to Sales(TTM) 0.95
Enterprise Value to Revenue 4.13
Enterprise Value to EBITDA -
Shares Outstanding 79366304
Shares Floating 53944277
Shares Outstanding 79366304
Shares Floating 53944277
Percent Insiders 16.21
Percent Institutions 77.57

Analyst Ratings

Rating 4
Target Price 228.01
Buy 3
Strong Buy 7
Buy 3
Strong Buy 7
Hold 2
Sell 1
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Credicorp Ltd

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 46621

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.