NYSE
BAP
Last Price
US $391.21
KEY FIGURES
MKT CAP
$30.5B
EPS
TTM
$90.65
PEG
TTM
0.58x
P/E
TTM
14.52x
P/S
TTM
1.06x
YIELD
3.81%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Credicorp Ltd. cash flow to debt ratio of 23.31% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
Credicorp Ltd.'s free cash flow has decreased -42.32% from $13.41G last year to $7.74G, signaling decreasing performance
Financial risk - Healthy debt to equity ratio.
Credicorp Ltd.'s debt to equity ratio is 0.81, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Credicorp Ltd.'s debt has decreased relative to shareholder equity from 1.09 last year to 0.81 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Credicorp Ltd. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Credicorp Ltd. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Credicorp Ltd.'s profit margin has increased (22.81%) in the last year from 20.38% to 25.03%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Credicorp Ltd.'s short-term assets of $46.69G exceed its short-term liabilities of $14.44G
Decreasing performance - ROA.
Credicorp Ltd.'s return on assets of 2.67% is lower than the 5.00% threshold, indicating inefficient asset utilization
Increasing performance - Absolute return on equity.
Credicorp Ltd.'s return on equity of 19.66%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
Credicorp Ltd.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Credicorp Ltd. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Credicorp Ltd. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Credicorp Ltd. has a free cash flow yield of 25.35%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Credicorp Ltd.'s yearly earnings has increased 25.89% since last year from $5.50G to $6.93G, signaling increasing performance
Increasing performance - Healthy revenue growth.
Credicorp Ltd.'s yearly revenue has increased 12.19% since last year from $27.00G to $30.29G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 2.78% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Credicorp Ltd.'s 3-year revenue CAGR of 11.92% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Credicorp Ltd. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Credicorp Ltd. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Credicorp Ltd. is undervalued relative to its fair value price of 895.79 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Credicorp Ltd. has an earnings yield of 23.60%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
Credicorp Ltd. is undervalued relative to its fair value price of 1.01K based on EBITDA multiple model
Undervalued - EV/EBITDA.
Credicorp Ltd. has an EV/EBITDA ratio of 8.27x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Credicorp Ltd. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Credicorp Ltd. has a price-to-book ratio of 2.69x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Credicorp Ltd. has a price-to-sales ratio of 3.63x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
19.66%
Return on equity
ROIC: 2.78%
Valuation History
14.5X
Price to Earnings
EV/EBITDA: 8.3X
Cash flow
Profit margin
9.68%
(FY vs FY)
EBITDA Y/Y
64.49%
(FY vs FY)
Cash flow Y/Y
-8.49%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $391.21
128.98%
Default assumptions
EBITDA Multiple
Fair Value
Market $391.21
158.60%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.