Credicorp (BAP) Financials

$388.77 +1.14 (+0.29%)

Closing price 07/24/2026 03:59 PM Eastern

Extended Trading

$388.52 -0.26 (-0.07%)

As of 07/24/2026 07:34 PM Eastern

Annual Income Statements for Credicorp

This table shows Credicorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	942	1,076	1,292	1,228	1,341	89	942	1,253	971	1,251	1,560
Consolidated Net Income / (Loss)	929	1,076	1,292	1,203	1,315	93	920	1,253	1,338	1,496	2,105
Net Income / (Loss) Continuing Operations	942	1,079	1,292	1,203	1,315	93	920	1,253	971	1,251	1,560
Total Pre-Tax Income	1,294	1,461	1,723	1,652	1,805	62	1,337	1,808	971	1,251	1,560
Total Revenue	4,327	4,667	5,092	4,061	4,486	3,796	3,665	5,283	971	1,251	1,726
Net Interest Income / (Expense)	2,874	3,212	3,408	2,507	2,746	2,375	2,346	3,950	-1,581	-1,531	-1,550
Total Interest Income	2,874	3,212	3,408	3,403	3,740	3,200	2,971	3,950	0.00	0.00	0.00
Total Interest Expense	0.00	0.00	0.00	896	994	825	624	0.00	1,581	1,531	1,550
Total Non-Interest Income	1,454	1,455	1,684	1,554	1,740	1,421	1,318	1,333	2,553	2,781	3,276
Other Service Charges	777	-	900	81	104	80	67	959	2,553	2,781	3,276
Total Non-Interest Expense	2,472	2,591	2,734	1,873	2,047	2,049	1,937	2,907	0.00	0.00	166
Other Operating Expenses	1,485	1,592	1,572	672	717	827	763	1,713	0.00	0.00	166
Weighted Average Basic Shares Outstanding	-	-	94.38M	94.38M	94.38M	94.38M	94.38M	94.38M	-	94.38M	94.38M
Weighted Average Diluted Shares Outstanding	-	-	94.38M	94.38M	94.38M	94.38M	94.38M	94.38M	-	94.38M	94.38M
Weighted Average Basic & Diluted Shares Outstanding	-	-	94.38M	94.38M	94.38M	94.38M	94.38M	94.38M	-	94.38M	94.38M

No quarterly income statements for Credicorp are available.

This table details how cash moves in and out of Credicorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	1,541	806	1,626	1,265	514	6,955	-925	-958	693	2,145	1,537
Net Cash From Operating Activities	1,990	1,876	2,289	1,710	1,368	8,052	126	-249	1,643	2,486	2,557
Net Cash From Continuing Operating Activities	1,990	1,876	2,289	1,710	1,368	8,052	126	-249	1,643	2,486	2,557
Net Income / (Loss) Continuing Operations	929	1,076	1,292	1,203	1,315	93	920	1,253	1,338	1,496	2,105
Consolidated Net Income / (Loss)	929	1,076	1,292	1,203	1,315	93	920	1,253	1,338	1,496	2,105
Provision For Loan Losses	614	623	645	549	643	1,724	409	580	1,094	1,133	899
Depreciation Expense	118	123	132	129	139	140	133	130	140	154	224
Non-Cash Adjustments to Reconcile Net Income	-91	-93	-235	-33	-131	-95	-44	2.90	-87	-103	-90
Changes in Operating Assets and Liabilities, net	420	146	455	-137	-598	6,190	-1,292	-2,214	-842	-194	-581
Net Cash From Investing Activities	-465	-590	77	-18	219	-519	-934	-288	-339	140	-474
Net Cash From Continuing Investing Activities	-465	-590	77	-18	219	-519	-934	-288	-339	140	-474
Net Cash From Financing Activities	16	-480	-740	-427	-1,073	-579	-117	-421	-611	-482	-546
Net Cash From Continuing Financing Activities	16	-480	-740	-427	-1,073	-579	-117	-421	-611	-482	-546

No quarterly cash flow statements for Credicorp are available.

This table presents Credicorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	46,635	52,673	52,358	56,739	65,790	61,379	62,296	64,445	68,119	79,466
Trading Account Securities	8,293	7,546	1,227	1,050	-	2,072	2,749	11,340	11,932	13,075
Loans and Leases, Net of Allowance	31,644	29,655	31,252	33,370	13,915	34,875	37,036	37,265	36,912	42,946
Loans and Leases	31,507	31,046	32,715	34,918	-	37,000	39,107	37,265	36,912	42,946
Premises and Equipment, Net	463	466	437	431	-	328	337	366	383	615
Intangible Assets	-	-	-	-	731	-	-	870	875	1,416
Other Assets	18,569	31,253	30,437	31,706	49,962	40,551	40,924	10,977	11,442	13,430
Total Liabilities & Shareholders' Equity	46,635	47,244	47,444	50,616	65,790	67,963	70,095	64,445	68,119	79,466
Total Liabilities	40,638	45,797	45,191	48,661	58,738	54,602	54,513	55,512	58,815	67,845
Non-Interest Bearing Deposits	6,712	7,219	7,329	6,687	-	12,998	11,405	43,168	45,910	53,820
Federal Funds Purchased and Securities Sold	4,510	4,145	2,781	2,319	-	5,519	3,412	2,744	2,410	2,450
Other Long-Term Liabilities	3,594	4,145	4,180	4,832	-	3,838	4,602	5,998	6,661	6,939
Total Equity & Noncontrolling Interests	1,877	8,623	8,802	9,803	96	13,361	15,582	8,933	9,304	11,620
Total Preferred & Common Equity	1,740	8,469	8,675	9,650	96	13,226	15,426	8,759	9,136	11,403
Preferred Stock	-	-	-	-	-	-	-	62	47	44
Total Common Equity	1,740	8,469	8,675	9,650	96	13,226	15,426	8,697	9,089	11,359
Common Stock	393	492	462	467	-	388	408	356	351	392
Retained Earnings	1,048	1,320	1,233	1,321	96	892	1,220	1,234	1,501	2,055
Treasury Stock	-62	-65	-61	-63	-	-52	-55	-56	-56	-62
Other Equity Adjustments	361	6,722	7,041	7,925	-	11,998	13,853	7,163	7,293	8,974
Noncontrolling Interest	137	154	126	154	-	136	156	175	168	217

No quarterly balance sheets for Credicorp are available.

This table displays calculated financial ratios and metrics derived from Credicorp's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022
Growth Metrics	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	7.84%	9.12%	-20.25%	10.46%	-15.38%	-3.45%	26.15%
EBITDA Growth	0.00%	11.42%	17.10%	-3.97%	9.18%	-89.61%	627.33%	32.41%
EBIT Growth	0.00%	12.07%	17.91%	-4.11%	9.26%	-96.56%	2,052.07%	34.94%
NOPAT Growth	0.00%	13.66%	19.76%	-6.93%	9.31%	-92.96%	894.07%	35.65%
Net Income Growth	0.00%	15.82%	20.06%	-6.93%	9.31%	-92.96%	894.07%	35.65%
EPS Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Growth	0.00%	-5.73%	22.01%	-25.29%	-20.00%	488.67%	-98.44%	-289.47%
Free Cash Flow Firm Growth	0.00%	0.00%	101.51%	832.54%	-66.62%	1,137.43%	-158.11%	107.22%
Invested Capital Growth	0.00%	0.00%	10.66%	-1.36%	7.32%	-44.00%	59.48%	9.00%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-
EBITDA Margin	32.84%	33.93%	36.41%	43.85%	43.34%	5.32%	40.10%	42.09%
EBIT Margin	30.12%	31.30%	33.83%	40.67%	40.23%	1.64%	36.48%	39.02%
Profit (Net Income) Margin	21.47%	23.06%	25.37%	29.61%	29.30%	2.44%	25.12%	27.01%
Tax Burden Percent	71.82%	73.67%	75.01%	72.80%	72.84%	149.06%	68.85%	69.22%
Interest Burden Percent	99.25%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	27.18%	26.15%	24.99%	27.20%	27.16%	-49.06%	31.15%	30.78%
Return on Invested Capital (ROIC)	0.00%	20.07%	11.41%	10.18%	10.81%	0.94%	10.06%	10.62%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	20.01%	11.41%	10.18%	10.81%	0.94%	10.06%	10.62%
Return on Net Nonoperating Assets (RNNOA)	0.00%	94.59%	13.20%	3.62%	3.32%	0.93%	3.62%	-2.00%
Return on Equity (ROE)	0.00%	114.67%	24.61%	13.80%	14.13%	1.87%	13.68%	8.63%
Cash Return on Invested Capital (CROIC)	0.00%	-179.93%	1.29%	11.54%	3.74%	57.36%	-35.79%	2.01%
Operating Return on Assets (OROA)	0.00%	3.13%	3.47%	3.15%	3.31%	0.10%	2.10%	2.92%
Return on Assets (ROA)	0.00%	2.31%	2.60%	2.29%	2.41%	0.15%	1.45%	2.02%
Return on Common Equity (ROCE)	0.00%	106.28%	23.93%	13.58%	13.92%	1.84%	13.54%	8.54%
Return on Equity Simple (ROE_SIMPLE)	0.00%	61.86%	15.26%	13.86%	13.62%	96.25%	6.96%	8.09%
Net Operating Profit after Tax (NOPAT)	949	1,079	1,292	1,203	1,315	93	920	1,249
NOPAT Margin	21.93%	23.12%	25.37%	29.61%	29.30%	2.44%	25.12%	27.01%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	19.54%	18.80%	18.63%	23.42%	22.97%	24.19%	25.09%	23.07%
Operating Expenses to Revenue	57.11%	55.52%	53.69%	46.13%	45.63%	53.97%	52.86%	48.69%
Earnings before Interest and Taxes (EBIT)	1,303	1,461	1,723	1,652	1,805	62	1,337	1,804
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1,421	1,584	1,854	1,781	1,944	202	1,470	1,946
Valuation Ratios	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	1.86	1.98	1.78	146.64	0.80	0.79
Price to Tangible Book Value (P/TBV)	0.00	0.00	2.01	2.13	1.93	0.00	0.85	0.83
Price to Revenue (P/Rev)	0.00	0.00	3.10	4.23	3.82	3.72	2.90	2.63
Price to Earnings (P/E)	0.00	0.00	12.22	14.00	12.79	158.39	11.27	9.52
Dividend Yield	2.97%	1.91%	5.13%	5.02%	4.62%	7.47%	1.07%	4.04%
Earnings Yield	0.00%	0.00%	8.18%	7.14%	7.82%	0.63%	8.87%	10.50%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.96	1.20	1.01	1.91	1.31	1.35
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	2.25	3.48	2.82	3.54	4.03	3.57
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	6.19	7.94	6.52	66.54	10.06	8.48
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	6.66	8.56	7.02	216.41	11.06	9.15
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	8.88	11.75	9.64	145.18	16.06	13.22
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	5.01	8.26	9.26	1.67	117.30	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	78.45	10.36	27.83	2.39	0.00	69.87
Leverage & Solvency	-	-	-	-	-	-	-	-
Debt to Equity	0.00	2.53	0.58	0.52	0.46	0.00	0.33	0.29
Long-Term Debt to Equity	0.00	2.53	0.58	0.52	0.46	0.00	0.33	0.29
Financial Leverage	0.00	4.73	1.16	0.36	0.31	0.98	0.36	-0.19
Leverage Ratio	0.00	24.84	9.46	6.03	5.86	12.38	9.45	4.27
Compound Leverage Factor	0.00	24.84	9.46	6.03	5.86	12.38	9.45	4.27
Debt to Total Capital	0.00%	71.68%	36.79%	34.16%	31.53%	0.00%	25.06%	22.31%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	71.68%	36.79%	34.16%	31.53%	0.00%	25.06%	22.31%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	2.07%	1.13%	0.94%	1.07%	0.00%	0.76%	0.78%
Common Equity to Total Capital	0.00%	26.25%	62.08%	64.90%	67.40%	100.00%	74.18%	76.91%
Debt to EBITDA	0.00	3.00	2.71	2.56	2.32	0.00	3.04	2.30
Net Debt to EBITDA	0.00	-0.13	-2.41	-1.79	-2.38	0.00	2.74	2.15
Long-Term Debt to EBITDA	0.00	3.00	2.71	2.56	2.32	0.00	3.04	2.30
Debt to NOPAT	0.00	4.40	3.88	3.80	3.43	0.00	4.85	3.58
Net Debt to NOPAT	0.00	-0.20	-3.46	-2.65	-3.52	0.00	4.37	3.35
Long-Term Debt to NOPAT	0.00	4.40	3.88	3.80	3.43	0.00	4.85	3.58
Noncontrolling Interest Sharing Ratio	0.00%	7.31%	2.77%	1.61%	1.50%	1.55%	1.01%	1.01%
Liquidity Ratios	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-9,670	146	1,364	455	5,634	-3,274	236
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	1.52	0.46	6.82	-5.24	0.26
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	1.91	1.38	9.76	0.20	-0.26
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	1.91	1.38	9.76	0.20	-0.26
Efficiency Ratios	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.10	0.10	0.08	0.08	0.06	0.06	0.07
Fixed Asset Turnover	0.00	10.09	10.96	8.99	10.33	0.00	0.00	13.90
Capital & Investment Metrics	-	-	-	-	-	-	-	-
Invested Capital	0.00	10,749	11,894	11,733	12,592	7,051	11,246	12,258
Invested Capital Turnover	0.00	0.87	0.45	0.34	0.37	0.39	0.40	0.39
Increase / (Decrease) in Invested Capital	0.00	10,749	1,146	-161	859	-5,541	4,194	1,012
Enterprise Value (EV)	0.00	0.00	11,473	14,132	12,671	13,443	14,779	16,509
Market Capitalization	0.00	0.00	15,787	17,194	17,147	14,107	10,618	12,168
Book Value per Share	$0.00	$0.00	$89.73	$91.92	$102.24	$1.02	$140.13	$163.44
Tangible Book Value per Share	$0.00	$0.00	$83.25	$85.48	$94.14	($6.73)	$132.93	$155.36
Total Capital	0.00	6,629	13,641	13,367	14,318	96	17,829	20,057
Total Debt	0.00	4,752	5,019	4,566	4,514	0.00	4,468	4,475
Total Long-Term Debt	0.00	4,752	5,019	4,566	4,514	0.00	4,468	4,475
Net Debt	0.00	-211	-4,468	-3,188	-4,630	-664	4,025	4,185
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	20	2.67	0.00	-0.00	0.00	0.00	-0.00	-0.00
Net Nonoperating Obligations (NNO)	0.00	8,872	3,272	2,932	2,789	6,955	-2,115	-3,324
Total Depreciation and Amortization (D&A)	118	123	132	129	139	140	133	142
Earnings Adjustments	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	94.38M	94.38M	94.38M	4.00	94.38M	94.38M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	94.38M	94.38M	94.38M	4.00	94.38M	94.38M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	94.38M	94.38M	94.38M	94.38M	94.38M	94.38M
Normalized Net Operating Profit after Tax (NOPAT)	967	1,079	1,355	1,293	1,395	126	978	1,300
Normalized NOPAT Margin	22.34%	23.12%	26.60%	31.83%	31.10%	3.32%	26.69%	28.12%
Pre Tax Income Margin	29.89%	31.30%	33.83%	40.67%	40.23%	1.64%	36.48%	39.02%
Debt Service Ratios	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	1.84	1.82	0.08	2.14	1.96
NOPAT to Interest Expense	0.00	0.00	0.00	1.34	1.32	0.11	1.47	1.36
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	1.84	1.82	0.08	2.14	1.96
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	1.34	1.32	0.11	1.47	1.36
Payout Ratios	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

No quarterly metrics and ratios for Credicorp are available.

Financials Breakdown Chart

Credicorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Credicorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Credicorp's net income appears to be on an upward trend, with a most recent value of $2.11 billion in 2025, rising from $929.15 million in 2015. The previous period was $1.50 billion in 2024. See Credicorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Credicorp's total revenue changed from $4.33 billion in 2015 to $1.73 billion in 2025, a change of -60.1%.

Credicorp's total liabilities were at $67.85 billion at the end of 2025, a 15.4% increase from 2024, and a 67.0% increase since 2016.

Over the last 7 years, Credicorp's book value per share changed from 0.00 in 2015 to 163.44 in 2022, a change of 16,344.3%.

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Financial statements for NYSE:BAP last updated on 7/11/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Credicorp (BAP) Financials

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Credicorp (BAP) Financials

Annual Income Statements for Credicorp

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Quarterly Cash Flow Statements for Credicorp

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Credicorp Financials - Frequently Asked Questions

When does Credicorp's fiscal year end?

How has Credicorp's net income changed over the last 10 years?

How has Credicorp's revenue changed over the last 10 years?

How much debt does Credicorp have?

How has Credicorp's book value per share changed over the last 7 years?

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