Credicorp (BAP) Stock Price, News & Analysis

Company Overview

Credicorp Ltd. is a leading financial services holding company based in Lima, Peru, with a history dating back to its establishment in 1995. Listed on the New York Stock Exchange under the ticker BAP, the firm was formed through the consolidation of Banco de Crédito del Perú (BCP) and other affiliated entities. Over the years, Credicorp has expanded its platform to become one of the most diversified financial groups in Latin America, serving millions of customers with a broad range of banking and nonbanking products.

The company’s core banking operations are conducted through Banco de Crédito del Perú, which offers retail, corporate and small-business banking solutions. Credicorp also operates Mibanco, one of the largest microfinance institutions in the region, focused on providing credit and financial inclusion services to unbanked and underbanked clients. In addition to its lending businesses, the group has developed a robust insurance arm, Pacífico Seguros, offering life, property and casualty coverage, and Prima AFP, a leading pension fund manager in Peru.

Credicorp Capital, the investment banking and wealth management arm, delivers capital markets advisory, brokerage, asset management and private banking services to institutional and high-net-worth clients. The group further extends its reach through Atlantic Security Bank, headquartered in Panama, providing corporate and private banking in key international markets. Digital innovation has been a strategic priority, with initiatives such as mobile wallets, online platforms and data-driven analytics enhancing customer experience and operational efficiency.

Governance and leadership at Credicorp reflect a blend of local expertise and international best practices. The Board of Directors, chaired by Dionisio Romero Paoletti, provides strategic oversight, while the executive team, led by CEO Walter Bayly Leyton until early 2022 and succeeded by Alberto Pérez, drives growth, risk management and sustainable development. With a focus on emerging-market dynamics, financial inclusion and technological transformation, Credicorp continues to play a pivotal role in the economic development of Peru and the broader Andean region.

Key Stats

• Today's Range: $223.53 to $228.26
• 50-Day Range: $193.48 to $227.25
• 52-Week Range: $153.27 to $228.69
• Volume: 293,889 shs
• Average Volume: 270,219 shs
• Market Capitalization: $17.91 billion
• P/E Ratio: 12.25
• Dividend Yield: 4.89%
• Price Target: $211.00
• Consensus Rating: Hold

Credicorp Stock Analysis - MarketRank™

Credicorp scored higher than 82% of companies evaluated by MarketBeat, and ranked 248th out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.1 / 5
• Analyst Rating: Hold

Consensus Rating

Credicorp has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 2 buy ratings, 1 hold rating, and 1 sell rating.

Amount of Analyst Coverage

Credicorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 11.37%

Earnings Growth

Earnings for Credicorp are expected to grow by 11.37% in the coming year, from $21.90 to $24.39 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Credicorp is 12.25, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of Credicorp is 12.25, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Earnings Growth Ratio

Credicorp has a PEG Ratio of 0.83. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Credicorp has a P/B Ratio of 1.92. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.51% of the float of Credicorp has been sold short.

Short Interest Ratio / Days to Cover

Credicorp has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Credicorp has recently decreased by 7.45%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Credicorp is a leading dividend payer. It pays a dividend yield of 4.85%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Credicorp has only been increasing its dividend for 3 years.

Dividend Coverage

The dividend payout ratio of Credicorp is 59.87%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Credicorp will have a dividend payout ratio of 45.14% next year. This indicates that Credicorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.51% of the float of Credicorp has been sold short.

Short Interest Ratio / Days to Cover

Credicorp has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Credicorp has recently decreased by 7.45%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.06

News Sentiment

Credicorp has a news sentiment score of 1.06. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Credicorp this week, compared to 5 articles on an average week.

Search Interest

Only 2 people have searched for BAP on MarketBeat in the last 30 days. This is a decrease of -60% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Credicorp to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Credicorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

15.90% of the stock of Credicorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

89.81% of the stock of Credicorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BAP Stock Analysis - Frequently Asked Questions

How have BAP shares performed this year?

Credicorp's stock was trading at $183.32 on January 1st, 2025. Since then, BAP stock has increased by 22.8% and is now trading at $225.19.

How were Credicorp's earnings last quarter?

Credicorp Ltd. (NYSE:BAP) announced its quarterly earnings data on Monday, February, 10th. The bank reported $3.76 EPS for the quarter, missing analysts' consensus estimates of $4.42 by $0.66. Credicorp had a net margin of 20.94% and a trailing twelve-month return on equity of 16.25%.
Read the conference call transcript.

Who are Credicorp's major shareholders?

Top institutional investors of Credicorp include Confluence Investment Management LLC.
View institutional ownership trends.

How do I buy shares of Credicorp?

Shares of BAP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Credicorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Credicorp investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), DiamondRock Hospitality (DRH) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Last Earnings: 2/10/2025
• Record date for 6/13 Dividend: 5/19/2025
• Ex-Dividend for 6/13 Dividend: 5/19/2025
• Dividend Payable: 6/13/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 8/14/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - FOREIGN
• Sub-Industry: Banking
• Current Symbol: NYSE:BAP
• CIK: 1001290
• Web: www.credicorp.gcs-web.com
• Phone: (511) 313-2000
• Fax: 51-1-313-2121
• Employees: 38,000
• Year Founded: 1995

Price Target and Rating

• Average Stock Price Target: $211.00
• High Stock Price Target: $257.00
• Low Stock Price Target: $160.00
• Potential Upside/Downside: -6.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $18.39
• Trailing P/E Ratio: 12.25
• Forward P/E Ratio: 10.28
• P/E Growth: 0.83
• Net Income: $1.47 billion
• Net Margins: 20.94%
• Pretax Margin: 29.78%
• Return on Equity: 16.25%
• Return on Assets: 2.21%

Debt

• Debt-to-Equity Ratio: 0.49
• Current Ratio: 1.03
• Quick Ratio: 1.03

Sales & Book Value

• Annual Sales: $7.00 billion
• Price / Sales: 2.56
• Cash Flow: $20.75 per share
• Price / Cash Flow: 10.85
• Book Value: $117.20 per share
• Price / Book: 1.92

Miscellaneous

• Outstanding Shares: 79,540,000
• Free Float: 66,889,000
• Market Cap: $17.91 billion
• Optionable: Optionable
• Beta: 1.05