BAP
Credicorp Ltd.
Financial Services · Banks - Regional · NYQ
$320.23
Close 2026-05-14
✗ ETHICAL FAIL

MODERATE MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$25.4B
Trailing P/E
12.89
Forward P/E
9.81
Rev Growth
+5.0%
Profit Margin
33.5%
ROE
19.1%
Analyst Target
$360.65
Recommendation
BUY
About Credicorp Ltd.

Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.

Opportunity Summary
Trading at $320 against a fair value of $489, a 35% discount. Moderate competitive position. 33% profit margins. Fails ethical screen (Business activity). Ranks better than 85% of screened stocks.
Ethical Screen
Business ActivityFAIL
Debt Ratio (0.00%)PASS
Cash Ratio (0.00%)PASS
Receivables Ratio (0.00%)PASS
Revenue Ratio (0.00%)PASS
OverallFAIL
Score Ethical: 10.0
Score Valuation: 95.0
Score Quality: 75.2
Score Combined: 55.1
Fair Value Est: $489.47 · Margin of Safety: +52.9% · Tier: AVOID

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality85.4
Cash Flow50.0
Moat50.0
Balance Sheet100.0
Debt Purity100.0
Liquid Purity100.0
Rev Purity100.0
Compliance100.0
Tier: PLATINUM · Score: 90.5 · Rank: #6
Earnings History (Last 8 Quarters)
DateEPS Est.Reported EPSSurprise %
2026-08-137.42Pending--
2026-05-147.267.59+4.6%
2026-02-116.455.93-8.1%
2025-11-136.316.47+2.5%
2025-08-145.976.41+7.2%
2025-05-155.446.06+11.5%
2025-02-094.393.79-13.7%
2024-11-064.725.06+7.3%
Quarterly Financials
PeriodRevenueNet IncomeEBITDAGross ProfitOp. IncomeEPS
2026-03-31$6.2B$2.1B25.97
2025-12-31$6.1B$1.6B20.00
2025-09-30$6.1B$1.7B21.91
2025-06-30$6.1B$1.8B22.80
2025-03-31$5.6B$1.8B22.40
2024-09-30
Insider Transactions
No insider transaction data.
Top Institutional Holders
HolderSharesValue% Held
Blackrock Inc.4.8M$1.6B0.1%
Capital World Investors3.9M$1.3B0.0%
Dodge & Cox Inc.3.4M$1.1B0.0%
FMR, LLC3.3M$1.1B0.0%
Massachusetts Financial Services Co.2.8M$931.8M0.0%
BAILLIE GIFFORD & CO2.7M$912.5M0.0%
JPMORGAN CHASE & CO2.1M$699.2M0.0%
Royal Bank of Canada1.7M$575.6M0.0%
Westwood Global Investments, LLC1.6M$525.3M0.0%
State Street Corporation1.3M$449.2M0.0%
Analyst Recommendations
3 Months Ago
3
7
4
14 analysts
2 Months Ago
3
7
4
14 analysts
Last Month
3
7
4
14 analysts
Current
3
8
3
14 analysts
Strong Buy Buy Hold Sell Strong Sell
Additional Fundamentals
Enterprise Value
-$18.0B
Price/Book
2.32
Beta
0.842
Analysts
13
Total Revenue (TTM)
$20.7B
Total Debt
$26.7B
Earnings Growth
+16.1%
Dividend Yield
449.0%
Rec. Mean
1.64
Short Ratio
3.38
Short % Float
0.0%
Employees
47,656

Elite Intelligence

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Trade Consideration
The Opportunity
Score 55.1 (P85 — top 14.6% of scored tickers). Moderate Moat. Ethical FAIL. 13 analysts at Buy.
Price: $320.23 | Target: $362.98 (+13%) | Fair Value: $489.47 (+53%)
Score
55
Moat
MODERATE
Conviction
Standard
Upside
+13%
The Fundamentals
Revenue Growth+5.0%
Profit Margin33.5%
ROE19.1%
Forward P/E9.8
Market Cap$25.4B
Earnings Track Record
DateEstimateReportedSurprise
2026-08-13$7.42Pending
2026-05-14$7.26$7.59+4.6%
2026-02-11$6.45$5.93-8.1%
2025-11-13$6.31$6.47+2.5%
2025-08-14$5.97$6.41+7.2%
2025-05-15$5.44$6.06+11.5%
Position Sizing Scenarios
Stop: $272.19 (-15%) | Entry: $320.23
SharesCostProfit to TargetR:R
To Consensus ($362.98, 13 analysts)
10$3,202.28+$427.50 (13%)0.9R
50$16,011.38+$2,137.50 (13%)0.9R
100$32,022.75+$4,275.00 (13%)0.9R
To Fair Value ($489.47)
10$3,202.28+$1,692.40 (53%)3.5R
50$16,011.38+$8,462.00 (53%)3.5R
100$32,022.75+$16,924.00 (53%)3.5R
Risk Factors
  • Elevated short interest (3.38 days to cover)
The Verdict
Credicorp Ltd. holds a moderate competitive moat and trades at a 52.9% discount to fair value.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

A
Quant Score
74.8
Risk Grade
LOW_RISK
Layers
8
Quality: HIGH_SORTINO,STRONG_EARNINGS_DRIFT
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.6%
worst expected daily loss, 19 in 20 days
CVaR 95%
-3.9%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
2.00
above 1.0 is good
Max Drawdown
-18.6%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
85
Liquidity Grade
HIGHLY LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
ABOVE_UPPER
Beta
Relative Volume
0.7x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
62.5%
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
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EEM0.472
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Inverse Correlated
TickerCorrelation
NISUY-0.154
2290.SR-0.143
BAES.L-0.131
AJMANBANK.AE-0.129
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Tuesday
Worst Day
Friday
Best Month
Jan
Worst Month
Feb
Fri-Mon Effect
-0.18954783680004178
Earnings Drift

After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.

Avg Drift After Beat
+8.4%
Beat Drift Positive %
100.0%
Consistency
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+9.2%
3M Return
+0.3%
6M Return
+42.3%
12M Return
+72.9%
Momentum Rank
#878
Momentum Signal
UP

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