Credicorp/$BAP

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About Credicorp

Credicorp Ltd is a Peruvian financial services company. It operates in four business lines, including Universal Banking, Insurance and Pensions, Microfinance, and Investment Management & Advisory. Its subsidiaries include Banco de Credito del Peru, Prima AFP, and Credicorp Capital. 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

Primary listing

NYSE

Employees

38,641

Headquarters

Lima, Peru

Credicorp Metrics

BasicAdvanced
$20B
11.11
$22.95
1.08
$13.93
4.32%

What the Analysts think about Credicorp

Analyst ratings (Buy, Hold, Sell) for Credicorp stock.

Bulls say / Bears say

Credicorp’s Q1 2025 net profit rose 17.6% YoY to S/1.78 billion, beating the LSEG consensus of S/1.61 billion, with return on equity (ROE) at 20.3%, underscoring the strength of its diversified business model amid Peru's economic recovery (Reuters)
Credicorp’s Q2 2025 net profit climbed 16.7% YoY to S/874.2 million, driven by a 9.8% increase in net loans and a 3.6% rise in net interest income, reflecting robust lending growth in its core banking operations (Reuters)
The company forecasts a 2025 ROE of around 17.5%, citing growth in its loan portfolio, a resilient net interest margin, and a lower cost of risk, demonstrating management’s confidence in sustained profitability (Reuters)
Q2 2025 results included S/105.2 million of non-recurring gains from the sale of BCI shares and a translation loss, which inflates the quarter’s net profit and may obscure underlying operational performance (Reuters)
Net interest income growth of just 3.6% in Q2 and 4.3% in Q1 suggests modest margin expansion that could face pressure if market rates decline or competition intensifies (Reuters, Reuters)
Wholesale banking loan growth decelerated in Q2 2025 due to election-related investment deferrals, highlighting vulnerability to political uncertainty in its home market (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 7 Oct 2025.

Credicorp Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Credicorp Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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