Zacks Investment Research·4 days ago
Are You Looking for a High-Growth Dividend Stock?Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Credicorp (BAP) have what it takes?
Credicorp Ltd.(BAP)Earnings, Financials & Key Ratios
BAP•NYSE•Banking & Credit
$386.47
15.2× P/E·Price updated Jul 7, 2026
AboutCredicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current accounts, and various credits and financial instruments to individuals and legal entities. Its Insurance and Pensions segment issues insurance policies to cover losses in commercial property, transportation, marine vessels, automobile, life, health, and pensions, as well as provides private pension fund management services. The company's Microfinance segment manages loans, credits, deposits, and current accounts of the small and microenterprises. Its Investment Banking and Wealth Management segment offers its services to corporations, institutional investors, governments, and foundations; engages in structuring and placement of issues in the primary market, as well as the execution and negotiation of operations in the secondary market; and structures securitization processes for corporate customers and manages mutual funds. The company was founded in 1889 and is headquartered in Lima, Peru.Show more
- Net Interest Income$13.87B-1.4%
- Total Revenue$28.92B+7.1%
- Net Income$6.93B+25.9%
- Return on Equity19.15%+18.5%
- Net Interest Margin5.19%-5.5%
- Efficiency Ratio39.31%+11.6%
- ROA2.65%+19.0%
- Equity / Assets13.96%+2.2%
- Book Value per Share467.93+6.5%
BAP Price & Volume
Credicorp Ltd. (BAP) stock price & volume — 10-year historical chart
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Credicorp Demonstrates Resilient Growth Amidst Macro Volatility
Investment Thesis • Updated 2026Q1
VerdictPositive: The stock presents an attractive valuation with a forward P/E of 3.79 and a PEG ratio of 0.18
Growth:Accelerating
Profitability:Strong
Financial:Fortress
Cash Flow:Mixed
Primary Risk:Macroeconomic and political volatility
Key Thesis Takeaways
- Credicorp exhibits a robust fundamental outlook driven by an 11.5% year-over-year growth in net interest income and a successful diversification strategy that has pushed fee income to 32.8% of total revenue.
- While the bank maintains a fortress balance sheet with an equity-to-assets ratio of 0.15, investors should monitor the volatility in operating cash flows and the potential for further macroeconomic shifts in the Peruvian market.
- The normalization of loan loss provisions from $1.3 billion in 2023Q4 to $481.2 million in 2026Q1 suggests an improving credit risk profile that supports long-term value creation.
Verdict Logic
signaling potential upside as credit quality stabilizes.
BAP Growth Metrics
Credicorp Ltd. (BAP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.2%
5 Years9.68%
3 Years11.92%
TTM-
Profit CAGR
10 Years8.4%
5 Years81.99%
3 Years14.22%
TTM24.78%
EPS CAGR
10 Years8.37%
5 Years81.89%
3 Years14.3%
TTM24.72%
Return on Capital
10 Years8.25%
5 Years8.68%
3 Years8.47%
Last Year5.98%
BAP Recent Earnings
Credicorp Ltd. (BAP) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
May 14, 2026Metric
Actual
Est
EPS
$7.65+10.5%
$6.92
Rev
$1.7B+11.5%
$1.6B
Q1 2026
Feb 12, 2026Metric
Actual
Est
EPS
$5.88-9.5%
$6.50
Rev
$1.8B+1.8%
$1.7B
Q4 2025
Nov 13, 2025Metric
Actual
Est
EPS
$6.17-1.9%
$6.29
Rev
$1.5B-6.5%
$1.6B
Q3 2025
Aug 14, 2025Metric
Actual
Est
EPS
$6.24+5.2%
$5.93
Rev
$2.1B+33.6%
$1.6B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 14, 2026 | $7.65vs $6.92+10.5% | $1.7Bvs $1.6B+11.5% |
| Q1 2026 | Feb 12, 2026 | $5.88vs $6.50-9.5% | $1.8Bvs $1.7B+1.8% |
| Q4 2025 | Nov 13, 2025 | $6.17vs $6.29-1.9% | $1.5Bvs $1.6B-6.5% |
| Q3 2025 | Aug 14, 2025 | $6.24vs $5.93+5.2% | $2.1Bvs $1.6B+33.6% |
Based on last 12 quarters of dataView full earnings history →
Latest BAP News
Recent stock market news and headlines for Credicorp Ltd. (BAP)
Zacks Investment Research·Jun 22, 2026
Credicorp (BAP) is a Great Momentum Stock: Should You Buy?Does Credicorp (BAP) have what it takes to be a top stock pick for momentum investors? Let's find out.
Zacks Investment Research·Jun 22, 2026
Credicorp (BAP) Upgraded to Buy: Here's What You Should KnowCredicorp (BAP) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
Investors Business Daily·Jun 18, 2026
These Four Stocks Hit New Highs, And They're Not Tech NamesTwo financial stocks and two industrial names recently reached new highs. Three of them are in buy zones of bases.
Zacks Investment Research·Jun 17, 2026
Why Credicorp (BAP) is a Great Dividend Stock Right NowDividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Credicorp (BAP) have what it takes?
Peers Comparison
Key metrics vs top competitors for Credicorp Ltd. (BAP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $386.47 | $30.7B | 15.18 | 7.11% | 23.95% | 19.15% | 2.85% | |
| $8.23 | $90.71B | 10.76 | 18.03% | 11.91% | 20.77% | — | |
| $3.40 | $35.96B | 7.97 | 37.11% | 6.32% | 12.84% | — | |
| $5.10 | $38.19B | 16.07 | 17.45% | 8.18% | 11.11% | — | |
| $33.58 | $30.05B | 8.52 | 68.77% | 34.5% | 76.87% | — | |
| $20.08 | $4.1B | 19.35 | 8.34% | 4.88% | 8.96% | — |
Compare BAP vs Peers
Credicorp Ltd. (BAP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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BAP Frequently Asked Questions
Credicorp Ltd. (BAP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Credicorp Ltd. growing?
Credicorp Ltd. (BAP) grew revenue by 7.1% over the past year. This is steady growth.
Is BAP profitable?
Yes, Credicorp Ltd. (BAP) is profitable, generating $7.20B in net income for fiscal year 2025 (23.9% net margin).
Dividend & Returns
Does BAP pay dividends?
Yes, Credicorp Ltd. (BAP) pays a dividend with a yield of 2.85%. This makes it attractive for income-focused investors.
What is BAP's return on equity?
Credicorp Ltd. (BAP) has a return on equity (ROE) of 19.2%. This is reasonable for most industries.
Industry Metrics
What is Credicorp Ltd.'s net interest margin?
Credicorp Ltd. (BAP) has a net interest margin (NIM) of 5.2%. This indicates healthy earnings from lending activities.
What is Credicorp Ltd.'s efficiency ratio?
Credicorp Ltd. (BAP) has an efficiency ratio of 39.3%. This is excellent, indicating strong cost control.