Credicorp Ltd (BAP)
Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.
- Ticker
- BAP
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Regional
- 52-week range
- $230.45 - $413.25
Valuation
- Share price
- $347.93 (close of Nov 6, 2026)
- P/E (TTM)
- 13.32x
- Price to book
- 2.81x
- Price to free cash flow
- 13.18x
Price performance
| Period | Change |
|---|---|
| 1 day | -0.02% |
| 5 days | -0.30% |
| 1 month | -9.66% |
| 3 months | -11.37% |
| 6 months | +6.55% |
| Year to date | +21.23% |
| 1 year | +34.42% |
| 3 years | +186.69% |
| 5 years | +172.48% |
| 10 years | +123.29% |
| All time | +3,014.92% |
Short interest
- As of
- Oct 15, 2026
- Short % of float
- 2.36%
- Shares short
- 1.25M
- Days to cover
- 4.11
- Change since prior report
- +1.43%
- Source
- FINRA consolidated short interest
Profitability and growth
- Return on equity
- 17.71%
- Return on assets
- 2.59%
- Net margin
- 24.25%
- Revenue growth
- 3.94%
- Net income growth
- 25.89%
- Free cash flow growth
- -41.45%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 7.59%
- Net debt to EBITDA
- -2.25x
Latest reported year
- Period end
- Dec 31, 2025
- Fiscal year
- 2025
- Shares outstanding
- 79.38M
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|---|---|
| 2025-12-31 | 24.25% | 17.71% |
| 2024-12-31 | 20.02% | 15.73% |
| 2023-12-31 | 18.96% | 14.70% |
| 2022-12-31 | 22.22% | 15.70% |
| 2021-12-31 | 18.43% | 13.36% |
| 2020-12-31 | 1.88% | 1.36% |
| 2019-12-31 | 21.68% | 15.95% |
| 2018-12-31 | 22.14% | 16.42% |
| 2017-12-31 | 23.25% | 18.55% |
| 2016-12-31 | 20.90% | 17.47% |
Investor relations
Next earnings report
- Next confirmed report
- Nov 9, 2026
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-08-13 | Jun 2026 | - |
| 2026-05-14 | Mar 2026 | - |
| 2026-02-12 | Dec 2025 | - |
| 2025-11-13 | Sep 2025 | - |
| 2025-08-14 | Jun 2025 | - |
| 2025-03-27 | - | - |
| 2025-02-10 | Dec 2024 | - |
| 2024-11-07 | Sep 2024 | - |
Filings and sources
- Company website
- grupocredicorp.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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