CREDICORP LTD (BAP)

BMG2519Y1084 - Common Stock

182.13  +1.96 (+1.09%)

After market: 182.13 0 (0%)

Fundamental Rating

3

Taking everything into account, BAP scores 3 out of 10 in our fundamental rating. BAP was compared to 406 industry peers in the Banks industry. BAP has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, BAP is valued expensive at the moment. Finally BAP also has an excellent dividend rating.



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3

1. Profitability

1.1 Basic Checks

Each year in the past 5 years BAP has been profitable.
BAP had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

BAP has a better Return On Assets (2.09%) than 96.78% of its industry peers.
BAP has a Return On Equity of 15.59%. This is amongst the best in the industry. BAP outperforms 93.81% of its industry peers.
Industry RankSector Rank
ROA 2.09%
ROE 15.59%
ROIC N/A
ROA(3y)1.82%
ROA(5y)1.57%
ROE(3y)14.83%
ROE(5y)12.43%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

BAP's Profit Margin of 23.88% is in line compared to the rest of the industry. BAP outperforms 58.17% of its industry peers.
In the last couple of years the Profit Margin of BAP has declined.
The Operating Margin and Gross Margin are not available for BAP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.88%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y120.33%
PM growth 5Y-1.94%
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

Compared to 1 year ago, BAP has less shares outstanding
Compared to 5 years ago, BAP has more shares outstanding
BAP has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of BAP is 19.24, which is on the high side as it means it would take BAP, 19.24 years of fcf income to pay off all of its debts.
BAP's Debt to FCF ratio of 19.24 is on the low side compared to the rest of the industry. BAP is outperformed by 75.50% of its industry peers.
A Debt/Equity ratio of 1.11 is on the high side and indicates that BAP has dependencies on debt financing.
BAP has a worse Debt to Equity ratio (1.11) than 87.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 19.24
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

BAP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.64%.
The Earnings Per Share has been growing slightly by 4.07% on average over the past years.
BAP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.01%.
Measured over the past years, BAP shows a small growth in Revenue. The Revenue has been growing by 6.14% on average per year.
EPS 1Y (TTM)2.64%
EPS 3Y140.71%
EPS 5Y4.07%
EPS Q2Q%23.74%
Revenue 1Y (TTM)10.01%
Revenue growth 3Y9.45%
Revenue growth 5Y6.14%
Sales Q2Q%11.93%

3.2 Future

BAP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.96% yearly.
BAP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.98% yearly.
EPS Next Y19.29%
EPS Next 2Y15.63%
EPS Next 3Y14.03%
EPS Next 5Y11.96%
Revenue Next Year10.54%
Revenue Next 2Y8.91%
Revenue Next 3Y8.32%
Revenue Next 5Y6.98%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

BAP's earnings are expected to grow with 14.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.63%
EPS Next 3Y14.03%

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7

5. Dividend

5.1 Amount

BAP has a Yearly Dividend Yield of 4.81%, which is a nice return.
Compared to an average industry Dividend Yield of 3.02, BAP pays a better dividend. On top of this BAP pays more dividend than 91.34% of the companies listed in the same industry.
BAP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.24.
Industry RankSector Rank
Dividend Yield 4.81%

5.2 History

On average, the dividend of BAP grows each year by 11.82%, which is quite nice.
BAP has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of BAP decreased recently.
Dividend Growth(5Y)11.82%
Div Incr Years1
Div Non Decr Years1

5.3 Sustainability

BAP pays out 53.46% of its income as dividend. This is a bit on the high side, but may be sustainable.
BAP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP53.46%
EPS Next 2Y15.63%
EPS Next 3Y14.03%

More info and screens

CREDICORP LTD

NYSE:BAP (12/20/2024, 8:04:00 PM)

After market: 182.13 0 (0%)

182.13

+1.96 (+1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)02-10 2025-02-10/amc
Inst Owners71.48%
Inst Owner Change4.1%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.47B
Analysts78.46
Price Target207.04 (13.68%)
Short Float %1.01%
Short Ratio2.73
Dividend
Industry RankSector Rank
Dividend Yield 4.81%
Dividend Growth(5Y)11.82%
DP53.46%
Div Incr Years1
Div Non Decr Years1
Ex-Date09-23 2024-09-23 (2.9167)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.51%
Min EPS beat(2)-7.24%
Max EPS beat(2)8.26%
EPS beat(4)2
Avg EPS beat(4)6%
Min EPS beat(4)-7.24%
Max EPS beat(4)24.39%
EPS beat(8)4
Avg EPS beat(8)2.56%
EPS beat(12)6
Avg EPS beat(12)2.35%
EPS beat(16)8
Avg EPS beat(16)5.94%
Revenue beat(2)0
Avg Revenue beat(2)-4.99%
Min Revenue beat(2)-5.15%
Max Revenue beat(2)-4.84%
Revenue beat(4)0
Avg Revenue beat(4)-3.81%
Min Revenue beat(4)-5.15%
Max Revenue beat(4)-2.59%
Revenue beat(8)1
Avg Revenue beat(8)-1.65%
Revenue beat(12)5
Avg Revenue beat(12)4.51%
Revenue beat(16)9
Avg Revenue beat(16)7.81%
PT rev (1m)2.85%
PT rev (3m)8.27%
EPS NQ rev (1m)2.21%
EPS NQ rev (3m)2.21%
EPS NY rev (1m)2.25%
EPS NY rev (3m)3.27%
Revenue NQ rev (1m)9.24%
Revenue NQ rev (3m)9.24%
Revenue NY rev (1m)1.01%
Revenue NY rev (3m)1.22%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.09%
ROE 15.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.88%
GM N/A
FCFM 8.81%
ROA(3y)1.82%
ROA(5y)1.57%
ROE(3y)14.83%
ROE(5y)12.43%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y120.33%
PM growth 5Y-1.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 19.24
Debt/EBITDA N/A
Cap/Depr 53.81%
Cap/Sales 1.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 36.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)131.66%
Cap/Depr(5y)113.56%
Cap/Sales(3y)4.69%
Cap/Sales(5y)4.25%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.64%
EPS 3Y140.71%
EPS 5Y4.07%
EPS Q2Q%23.74%
EPS Next Y19.29%
EPS Next 2Y15.63%
EPS Next 3Y14.03%
EPS Next 5Y11.96%
Revenue 1Y (TTM)10.01%
Revenue growth 3Y9.45%
Revenue growth 5Y6.14%
Sales Q2Q%11.93%
Revenue Next Year10.54%
Revenue Next 2Y8.91%
Revenue Next 3Y8.32%
Revenue Next 5Y6.98%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.24%
FCF growth 3Y-37.6%
FCF growth 5YN/A
OCF growth 1Y-14.67%
OCF growth 3Y-31.49%
OCF growth 5YN/A