Credicorp Financials

BAP Stock  USD 197.32  1.33  0.67%   
Based on the analysis of Credicorp's profitability, liquidity, and operating efficiency, Credicorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At this time, Credicorp's Total Liabilities is relatively stable compared to the past year. As of 11/25/2024, Property Plant And Equipment Gross is likely to grow to about 5 B, while Property Plant And Equipment Net is likely to drop slightly above 1.5 B. Key indicators impacting Credicorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.160.3007
Way Down
Very volatile
Return On Assets0.01230.0204
Way Down
Pretty Stable
Return On Equity0.110.1499
Way Down
Slightly volatile
Debt Equity Ratio0.810.8085
Slightly Up
Slightly volatile
Operating Income4.2 B7.1 B
Way Down
Slightly volatile
Current Ratio22.6912.9265
Way Up
Very volatile
Investors should never underestimate Credicorp's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Credicorp's cash flow, debt, and profitability to make informed and accurate decisions about investing in Credicorp.

Net Income

5.11 Billion

  
Understanding current and past Credicorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Credicorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Credicorp's assets may result in an increase in income on the income statement.

Credicorp Stock Summary

Credicorp competes with Heritage Financial, Home Federal, Magyar Bancorp, National Bankshares, and Banco Santander. Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company was founded in 1889 and is headquartered in Lima, Peru. Credicorp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 36358 people.
Foreign Associate
  Peru
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINBMG2519Y1084
CUSIPG2519Y108
LocationBermuda
Business AddressCalle Centenario N
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.grupocredicorp.com
Phone51 1 313 2000
CurrencyUSD - US Dollar

Credicorp Key Financial Ratios

Credicorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets187.9B237.4B244.8B236.8B238.8B250.8B
Other Current Liab(2.4B)(2.3B)(3.3B)(2.8B)(4.7B)(4.5B)
Net Debt(1.5B)(13.8B)(14.5B)(8.1B)(7.1B)(6.7B)
Retained Earnings4.4B347.2M3.6B4.6B4.6B4.8B
Other Assets84.5B89.2B106.7B118.1B(119.9B)(113.9B)
Total Liab161.1B212.0B217.8B207.2B205.7B216.0B
Accounts Payable2.4B2.3B2.9B3.8B4.0B2.3B
Cash26.0B36.7B39.3B34.1B33.9B19.7B
Net Receivables11.5B11.0B12.1B12.0B12.5B13.1B
Other Current Assets96.6B95.6B437.0M29.8B348.6M331.1M
Total Current Assets63.7B90.5B87.0B67.0B79.5B83.4B
Other Liab11.4B13.3B20.3B13.7B15.8B16.6B
Long Term Debt23.6B22.3B24.2B25.9B26.2B27.6B
Good Will886.0M820.9M796.9M772.2M798.5M489.0M
Treasury Stock(208.0M)(207.8M)(208.4M)(207.5M)(186.8M)(177.4M)
Intangible Assets1.7B1.8B1.9B2.1B2.4B2.5B
Inventory143.3M135.1M136.1M136.1M348.6M366.0M
Net Tangible Assets23.7B22.3B23.8B26.1B30.0B21.0B
Long Term Debt Total23.6B22.8B24.2B25.9B29.7B26.3B

Credicorp Key Income Statement Accounts

The reason investors look at the income statement is to determine what Credicorp's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense3.3B3.0B2.5B3.5B5.9B6.2B
Total Revenue14.8B13.6B14.4B17.3B16.2B8.5B
Gross Profit14.8B13.6B14.4B17.3B16.2B8.5B
Operating Income5.9B236.9M5.2B10.2B7.1B4.2B
Ebit5.9B236.9M5.2B10.3B(982.4M)(933.3M)
Ebitda6.5B913.9M5.9B10.9B(315.3M)(299.5M)
Cost Of Revenue271.1M301.9M318.7M3.4B3.9B4.0B
Income Before Tax6.0B224.2M5.3B6.9B6.8B7.2B
Net Income4.3B346.9M3.6B4.6B4.9B5.1B
Income Tax Expense1.6B(110.0M)1.7B2.1B1.9B2.0B
Minority Interest508.4M499.8M(87.2M)(112.3M)(94.3M)(89.6M)
Tax Provision1.6B(110.0M)1.7B2.1B1.9B1.5B
Net Interest Income9.1B8.5B9.4B11.5B12.9B10.2B
Interest Income12.4B11.5B11.8B15.0B18.8B13.7B

Credicorp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash3.8B10.8B2.6B(5.2B)(200.3M)(190.3M)
Free Cash Flow6.4B12.1B3.3B(2.0B)2.9B2.3B
Depreciation639.1M676.9M690.2M690.6M667.1M349.0M
Other Non Cash Items1.0B5.5B1.1B1.8B1.7B999.9M
Dividends Paid2.2B2.4B398.8M1.2B2.0B2.1B
Capital Expenditures506.7M633.4M640.0M896.4M1.2B1.2B
Net Income4.4B334.1M3.7B4.7B5.0B5.2B
End Period Cash Flow26.0B36.7B39.3B34.1B33.9B18.4B
Investments726.2M(1.9B)(3.1B)(1.1B)(1.3B)(1.3B)
Change To Netincome1.1B4.5B1.8B2.2B2.5B1.9B

Credicorp Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Credicorp's current stock value. Our valuation model uses many indicators to compare Credicorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Credicorp competition to find correlations between indicators driving Credicorp's intrinsic value. More Info.
Credicorp is rated fourth in return on equity category among its peers. It is rated second in return on asset category among its peers reporting about  0.14  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Credicorp is roughly  7.39 . At this time, Credicorp's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Credicorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Credicorp Systematic Risk

Credicorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Credicorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Credicorp correlated with the market. If Beta is less than 0 Credicorp generally moves in the opposite direction as compared to the market. If Credicorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Credicorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Credicorp is generally in the same direction as the market. If Beta > 1 Credicorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Credicorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Credicorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Credicorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.98

At this time, Credicorp's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Credicorp November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Credicorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Credicorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Credicorp based on widely used predictive technical indicators. In general, we focus on analyzing Credicorp Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Credicorp's daily price indicators and compare them against related drivers.

Additional Tools for Credicorp Stock Analysis

When running Credicorp's price analysis, check to measure Credicorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Credicorp is operating at the current time. Most of Credicorp's value examination focuses on studying past and present price action to predict the probability of Credicorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Credicorp's price. Additionally, you may evaluate how the addition of Credicorp to your portfolios can decrease your overall portfolio volatility.