-0.16%
-0.85%
0.58%
12.66%
21.67%
36.48%
-12.46%
AI Spotlight on BAP
Company Description
Credicorp 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.
Market Data
| Last Price | 182.81 |
| Change Percentage | -0.16% |
| Open | 179.98 |
| Previous Close | 183.1 |
| Market Cap ( Millions) | 14539 |
| Volume | 208396 |
| Year High | 200 |
| Year Low | 147.29 |
| M A 50 | 186.68 |
| M A 200 | 175.61 |
Financial Ratios
| FCF Yield | 3.65% |
| Dividend Yield | 2.10% |
| ROE | 15.78% |
| Debt / Equity | 88.63% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 1.61 |
| Price Earnings Ratio | 10.34 |
| Price To FCF | 27.39 |
| Price To sales | 2.71 |
| EV / EBITDA | 0 |
News
- Feb -03 - BAP or NABZY: Which Is the Better Value Stock Right Now?
- Jan -28 - Credicorp Ltd.: Credicorp's Earnings Release and Conference Call 4Q24
- Jan -20 - Credicorp Ltd.: Credicorp's “4Q24 quiet period”
- Jan -17 - BAP or NABZY: Which Is the Better Value Stock Right Now?
- Jan -01 - BAP vs. NABZY: Which Stock Is the Better Value Option?
- Jan -01 - Is Credicorp (BAP) Stock Outpacing Its Finance Peers This Year?
- Dec -30 - Credicorp Ltd. Announces that One of Its Subsidiaries Offers to Purchase 100% of Credicorp Capital Client's Investments in the 'Credicorp Capital Factoring Dólares ' and 'Credicorp Capital Factoring Soles' Funds
- Dec -16 - BAP vs. NABZY: Which Stock Should Value Investors Buy Now?
- Dec -12 - Credicorp Ltd: Credicorp's 2025 Quarterly Earnings Releases
- Nov -29 - BAP or NU: Which Is the Better Value Stock Right Now?
- Nov -27 - Credicorp: New Growth Engines Emerge
- Nov -25 - 3 Top-Performing U.S.-Traded Emerging Market Stocks in 2024
- Nov -13 - Is Credicorp (BAP) Outperforming Other Finance Stocks This Year?
- Nov -12 - BAP vs. IBN: Which Stock Is the Better Value Option?
- Nov -09 - Credicorp Ltd. (BAP) Q3 2024 Earnings Call Transcript
- Nov -01 - Credicorp Ltd.: Credicorp Ltd.
- Oct -25 - Credicorp Ltd.: Credicorp's Earnings Release and Conference Call 3Q24
- Oct -17 - Credicorp Ltd.: Credicorp's “3Q24 quiet period”
- Oct -08 - This is Why Credicorp (BAP) is a Great Dividend Stock
- Sep -26 - Crediciorp Ltd.: Credicorp Highlights Growth Initiatives Driven by Innovation Strategy and Positive Outlook at the 2024 Strategic Update
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Universal Banking
Expected Growth : 12 %
What the company do ?
Universal Banking from Credicorp Ltd. offers a comprehensive range of financial services, including corporate and investment banking, treasury, and transactional services.
Why we expect these perspectives ?
Credicorp Ltd.'s Universal Banking segment growth of 12% is driven by Peru's economic expansion, increasing middle-class demand for financial services, and the company's strategic expansion into microfinance and digital banking. Additionally, the segment benefits from a diversified revenue stream, strong brand recognition, and a solid risk management framework.
Segment n°2 -> Microfinance
Expected Growth : 11 %
What the company do ?
Microfinance from Credicorp Ltd. provides financial services to low-income individuals and micro-entrepreneurs, promoting financial inclusion and economic development.
Why we expect these perspectives ?
Credicorp Ltd.'s microfinance growth is driven by increasing financial inclusion, rising demand for credit from low-income individuals, and expansion into underserved markets. Additionally, strategic partnerships, digitalization, and efficient risk management contribute to the 11% growth rate.
Segment n°3 -> Insurance and Pensions
Expected Growth : 10 %
What the company do ?
Insurance and Pensions from Credicorp Ltd. provides a range of insurance products and pension plans to individuals and businesses in Peru and other Latin American countries.
Why we expect these perspectives ?
Credicorp Ltd.'s Insurance and Pensions segment growth of 10% is driven by increasing demand for retirement savings, favorable demographics, and a growing middle class in Peru. Additionally, the company's diversified product offerings, strong distribution channels, and effective risk management practices contribute to its growth momentum.
Segment n°4 -> Investment Banking and Wealth Management
Expected Growth : 9 %
What the company do ?
Credicorp Ltd.'s Investment Banking and Wealth Management segment provides financial advisory services, capital markets, and wealth management solutions to corporate and individual clients.
Why we expect these perspectives ?
Credicorp Ltd.'s 9% growth in Investment Banking and Wealth Management is driven by increasing demand for M&A advisory services, growth in asset under management, and expansion into new markets. Additionally, the company's strong brand reputation, diversified product offerings, and strategic partnerships have contributed to its growth momentum.
Segment n°5 -> Other
Expected Growth : 8 %
What the company do ?
Credicorp Ltd.'s 'Other' segment includes its investments in subsidiaries and affiliates, as well as other financial and non-financial investments.
Why we expect these perspectives ?
Credicorp Ltd.'s 8% growth in 'Other' segment is driven by increasing demand for insurance products, expansion of microfinance services, and growing investments in digital payment platforms. Additionally, strategic partnerships and acquisitions have contributed to the segment's growth, along with favorable regulatory changes in Peru and other Latin American markets.
Credicorp Ltd. Products
| Product Range | What is it ? |
|---|---|
| Banco de Crédito del Perú (BCP) Banking Services | Provides a wide range of banking services including personal and commercial banking, credit cards, loans, and investment products |
| Microfinanzas Prisma Microfinance | Offers microfinance services, including microloans, savings, and insurance products, to low-income individuals and micro-entrepreneurs |
| Pacifico Insurance Services | Provides a range of insurance products, including life, health, and property insurance, to individuals and businesses |
| Credicorp Securities Brokerage Services | Offers brokerage services, including stock trading, investment advice, and portfolio management, to individual and institutional investors |
| Credicorp Asset Management Investment Products | Provides a range of investment products, including mutual funds, pension funds, and private equity funds, to individual and institutional investors |
Credicorp Ltd.'s Porter Forces
Threat Of Substitutes
Credicorp Ltd. operates in a highly competitive market, but the threat of substitutes is moderate due to the company's strong brand recognition and customer loyalty.
Bargaining Power Of Customers
Credicorp Ltd. has a large customer base, but the bargaining power of customers is high due to the availability of alternative financial services providers.
Bargaining Power Of Suppliers
Credicorp Ltd. has a diversified supplier base, and the bargaining power of suppliers is low due to the company's large scale of operations.
Threat Of New Entrants
The threat of new entrants in the financial services industry is moderate due to the high barriers to entry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry in the financial services industry is high due to the large number of players and the highly competitive nature of the market.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 45.19% |
| Debt Cost | 9.38% |
| Equity Weight | 54.81% |
| Equity Cost | 9.38% |
| WACC | 9.38% |
| Leverage | 82.43% |
Credicorp Ltd. : Quality Control
Credicorp Ltd. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| IFS | Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru. The company operates through three segments: Banking, Insurance, and Wealth Management. It … |
| BIRG.IR | Bank of Ireland Group plc provides various banking and financial products and services. The company operates through Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Treasury segments. It … |
| ZUGER.SW | Zuger Kantonalbank provides various banking products and services to private and corporate clients in Switzerland. It offers private banking products comprising bank accounts in various currencies and card products; personal, … |
| LUKN.SW | Luzerner Kantonalbank AG provides various banking products and services to individuals, companies, institutions, families, and non-profit organizations in Switzerland. It offers accounts and deposit products; savings and pension solutions; investment … |
| BCP.LS | Banco Comercial Português, S.A., together with its subsidiaries, provides various banking and financial products and services under the Millennium bcp brand. It operates through Retail Banking; Companies, Corporate & Investment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Intercorp Financial Services
A-Score
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BCP
A-Score
1-Year Total Return ->
🥉
Credicorp
A-Score
1-Year Total Return ->
4
Bank of Ireland
A-Score
1-Year Total Return ->
5
Zuger KB
A-Score
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6
