BAP Credicorp Ltd. - Fundamental Analysis
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BAP Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$344.33
Analyst Target
$313.8
-8.9%
Downside
52W High
$344.46
52W Low
$165.51
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$27.33B
P/E
14.35
ROE
18.5%
Profit margin
31.6%
Debt/Equity
N/A
Dividend yield
3.23%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
Credicorp Ltd. (BAP) shows a mixed financial profile with a weak Piotroski F-Score of 4/9 indicating marginal financial health, and no available Altman Z-Score to assess distress risk. Profitability metrics are strong, including a 31.62% profit margin and 18.55% ROE, while revenue and earnings growth remain solid at 15.5% and 14.2% YoY, respectively. However, the stock trades above its Graham Number of $269.56 at $344.33, and technical trends are bearish with a score of 10/100. Analysts recommend a 'buy' with a target price below current levels, suggesting limited upside.
Key Strengths
Strong profitability with 31.62% net margin and 47.27% operating margin
High ROE of 18.55%, indicating efficient use of equity
Solid revenue growth of 15.5% YoY and consistent earnings growth
Dividend yield of 3.23% with a sustainable 50.31% payout ratio
Significant long-term price appreciation: +143.6% over 5 years
Key Risks
Low Piotroski F-Score of 4/9 suggests weak financial health and potential operational inefficiencies
Stock trades at a premium to Graham Number ($269.56) with current price at $344.33
Bearish technical trend (10/100) indicates near-term downward pressure
Missing key financial data (Debt/Equity, Altman Z-Score, cash/debt figures) limits risk assessment
Analyst target price ($313.80) is below current market price, implying downside risk
AI Fair Value Estimate
Based on comprehensive analysis
$679.2
+97.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
63
Strong
58
70
68
45
75
AI Verdict
Moderately positive with caution due to valuation and health concerns
Key drivers: Strong profitability and growth metrics, Premium valuation relative to defensive benchmarks, Low Piotroski score and missing Altman Z-Score, Bearish technical indicators, Analyst buy rating despite lower target price
Confidence
75%
Value
58/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 14.35 is below sector average of 21.06
- Forward P/E of 12.37 suggests earnings expansion
Watchpoints
- Current price 27.8% above Graham Number ($269.56)
- No PEG ratio to assess growth-adjusted value
Future
70/100
Ref Growth rates
Positives
- 15.5% YoY revenue growth
- 14.2% YoY earnings growth
- Recent quarters show accelerating EPS growth (27.9% YoY)
Watchpoints
- Q/Q EPS growth slowed to +0.9%
- Forward P/E compression may limit multiple expansion
Past
68/100
Ref Historical trends
Positives
- 5-year price return of +143.6%
- Consistent earnings beat streak in recent quarters (3 of last 4)
- Long-term profitability stability
Watchpoints
- Earnings volatility evident in 2020 (multiple large negative surprises)
- Mixed quarterly performance history with several significant misses
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 18.55% indicates strong return on equity
- No reported distress signals (though Altman Z-Score missing)
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Missing Debt/Equity, Current Ratio, and Altman Z-Score limits confidence
- Gross margin listed as 0.00%, which is atypical for a bank
Dividend
75/100
Ref Yield, Payout
Positives
- Dividend yield of 3.23% is attractive in current rate environment
- Payout ratio of 50.31% is sustainable
- Dividend strength score of 50/100 indicates moderate reliability
Watchpoints
- No 5-year average yield data to assess consistency
- No ex-dividend date available, limiting income planning
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$344.33
Analyst Target
$313.8
Upside/Downside
-8.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BAP and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BAP
Credicorp Ltd.
Primary
|
+143.6% | +167.7% | +99.6% | +46.0% | +19.0% | +7.0% |
|
BRO
Brown & Brown, Inc.
Peer
|
+71.6% | +37.5% | -24.3% | -23.1% | -2.0% | -1.0% |
|
BCH
Banco de Chile
Peer
|
+195.7% | +165.5% | +92.4% | +56.3% | +13.2% | +7.7% |
|
ACGL
Arch Capital Group Ltd.
Peer
|
+158.1% | +46.0% | +3.4% | +1.3% | -5.2% | -3.9% |
|
BSAC
Banco Santander-Chile
Peer
|
+126.8% | +172.0% | +92.5% | +54.5% | +15.5% | +8.6% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.35
Forward P/E
12.37
PEG Ratio
N/A
P/B Ratio
2.56
P/S Ratio
1.34
EV/Revenue
0.88
EV/EBITDA
N/A
Market Cap
$27.33B
Profitability
Profit margins and return metrics
Profit Margin
31.62%
Operating Margin
47.27%
Gross Margin
N/A
ROE
18.55%
ROA
2.62%
Growth
Revenue and earnings growth rates
Revenue Growth
+15.5%
Earnings Growth
+14.2%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+14.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$440.22
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-12
$N/A
2025-11-13
$6.47
+2.5% surprise
2025-08-14
$6.41
+7.2% surprise
2025-05-15
$6.06
+11.5% surprise
Financial Services Sector Comparison
Comparing BAP against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
14.35
This Stock
vs
30.37
Sector Avg
-52.8%
(Discount)
Return on Equity (ROE)
18.55%
This Stock
vs
-7.62%
Sector Avg
-343.3%
(Below Avg)
Profit Margin
31.62%
This Stock
vs
82.75%
Sector Avg
-61.8%
(Weaker)
Revenue Growth
15.5%
This Stock
vs
28.35%
Sector Avg
-45.3%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BAP
Credicorp Ltd.
|
NEUTRAL | $27.33B | 14.35 | 18.5% | 31.6% | $344.33 | |
|
BRO
Brown & Brown, Inc.
|
NEUTRAL | $27.03B | 23.78 | 10.7% | 18.7% | $79.18 | |
|
BCH
Banco de Chile
|
BEARISH | $21.82B | 15.0 | 20.9% | 45.1% | $43.2 | |
|
ACGL
Arch Capital Group Ltd.
|
NEUTRAL | $33.89B | 8.06 | 19.5% | 22.1% | $93.47 | |
|
BSAC
Banco Santander-Chile
|
NEUTRAL | $17.04B | 14.19 | 23.2% | 45.7% | $36.18 |
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
13 analysts
Goldman Sachs
2026-01-13
Neutral
Neutral
JP Morgan
2025-11-21
Overweight
Overweight
UBS
2025-09-16
Buy
Buy
HSBC
2025-09-05
Buy
Hold
Citigroup
2025-08-20
Buy
Buy
Past News Coverage
Recent headlines mentioning BAP from our newsroom.
Newest → oldest
No matching news yet.