Credicorp/$BAP
1D1W1MYTD1Y5YMAX
Capital at risk
About Credicorp
Credicorp Ltd is a Peruvian financial services company. The company operates in four business lines, including Universal Banking, Insurance and Retirement, Microfinance, and Investment Banking and Asset Management. Its subsidiaries include Banco de Credito del Peru, Prima AFP, Credicorp Capital, and others. Geographically, the company operates in Peru, Colombia, Bolivia, Chile, Panama, the USA, and Mexico; the majority of its revenue is generated from Peru.
- Ticker
- $BAP
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 52,770
- Headquarters
- Lima, Peru
- Website
- grupocredicorp.com
Credicorp Metrics
BasicAdvanced
$30B
13.72
$27.65
0.84
$14.64
3.86%
Price and volume
Market cap
$30B
Beta
0.84
52-week high
$413.25
52-week low
$230.45
Average daily volume
317K
Dividend rate
$14.64
Financial strength
Dividend payout ratio (TTM)
53.98%
Profitability
Net profit margin (TTM)
33.68%
Operating margin (TTM)
47.37%
Effective tax rate (TTM)
29.05%
Revenue per employee (TTM)
$125,360
Management effectiveness
Return on assets (TTM)
2.83%
Return on equity (TTM)
20.41%
Valuation
Price to earnings (TTM)
13.722
Price to revenue (TTM)
4.609
Price to book
0.79
Price to tangible book (TTM)
0.91
Price to free cash flow (TTM)
-6.643
Free cash flow yield (TTM)
-15.05%
Free cash flow per share (TTM)
-57.115
Dividend yield (TTM)
3.86%
Forward dividend yield
3.86%
Growth
Revenue change (TTM)
11.76%
Earnings per share change (TTM)
17.97%
3-year revenue growth (CAGR)
11.09%
3-year earnings per share growth (CAGR)
12.94%
10-year earnings per share growth (CAGR)
8.61%
3-year dividend per share growth (CAGR)
25.99%
10-year dividend per share growth (CAGR)
20.36%
What the Analysts think about Credicorp
Analyst ratings (Buy, Hold, Sell) for Credicorp stock.
Analyst projections of the future price of Credicorp stock.
Bulls say / Bears say
Credicorp delivered strong profitability: 2Q26 net income attributable to shareholders rose 8.8% year over year to S/1,981.9 million, first-half earnings rose 12.4%, and quarterly ROE was 20.3%. Management also raised its medium-term ROE expectation to approximately 22% from about 19.5%. (Credicorp 2Q26 Earnings Release)
Loan and funding momentum is favorable: total loans grew 13.1% year over year, or 14.6% on an FX-neutral basis, while deposits increased 17.7% and low-cost deposits reached 74.4% of the total deposit base. Net interest income rose 13.3% year over year and NIM improved 21 basis points. (Credicorp 2Q26 Earnings Release)
Yape is increasingly contributing to Credicorp’s growth and diversification: the platform surpassed 16 million monthly active users, monthly revenue per user rose 72.4% year over year, and Yape represented 8.9% of Credicorp’s risk-adjusted revenue in 2Q26. (Credicorp 2Q26 Earnings Release)
Credit costs are becoming a larger headwind: 2Q26 provisions rose 51.7% quarter over quarter and 27.1% year over year, with cost of risk at 1.9% including S/106 million of additional El Niño-related provisions. Underlying cost of risk also increased to 1.6% from 1.3% in the prior quarter. (Credicorp 2Q26 Earnings Release)
Expense growth could constrain operating leverage: first-half operating expenses increased 13.5% year over year, while innovation-portfolio expenses rose 33%, led by Yape, Tenpo and Culqi. (Credicorp 2Q26 Earnings Release)
Insurance earnings weakened and leadership changes add execution risk: the insurance underwriting result fell 17.9% year over year in 2Q26, while the CFO of Credicorp/BCP and Mibanco’s CEO are both scheduled to change effective October 1, 2026. (Credicorp 2Q26 Earnings Release; Credicorp Succession Announcement)
Data summarised monthly by Lightyear AI. Last updated on 10 Sept 2026.
Credicorp Financial Performance
Revenues and expenses
Credicorp Earnings Performance
Company profitability
Upcoming events
No upcoming events
Credicorp News
AllArticlesVideos
Funds containing Credicorp
AllEURGBPUSD
Fund name | Fund size | $BAP weighting |
|---|---|---|
iShares MSCI EM Latin America€LTAM | €1.8B | 3.19% |
iShares MSCI EM Latin America£LTAM | £1.5B | 3.19% |
iShares Edge MSCI Emerging Markets Minimum Volatility$EMMV | $508M | 0.89% |
iShares Edge MSCI EM Minimum Volatility£EMV | £375M | 0.79% |
iShares MSCI Emerging Markets SRI$SUSM | $3.4B | 0.78% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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