Credicorp Ltd.
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About the company
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.
- CEO
- Gianfranco Ferrari
- IPO
- 1995
- Employees
- 48,980
- HQ
- Lima, PE
Price Chart
- Market Cap
- $31.08B
- P/E
- 14.70
- P/S
- 3.68
- P/B
- 2.72
- EV/EBITDA
- 8.38
- Div Yield
- 3.74%
- Gross Margin
- 76.71%
- Op Margin
- 36.60%
- Net Margin
- 25.03%
- ROE
- 19.66%
- ROIC
- 2.78%
- Revenue
- $28.92B · 7.11%
- Net Income
- $6.93B · 25.89%
- EPS
- $87.25 · 26.28%
- Op Income
- $9.95B
- FCF YoY
- -42.32%
- 52W High
- $399.38
- 52W Low
- $216.87
- 50D MA
- $343.72
- 200D MA
- $311.50
- Beta
- 0.84
- Avg Volume
- 496.83K
AI snapshot
Six angles, distilled from the data.
The stock is in a strong multi-month uptrend and remains well above its 200-day average, with the 50-day also trending far higher. Price is pressing near the 52-week high after a deep prior-year reset, which keeps the regime constructive but extended.
Street sentiment is constructive: consensus is Buy with an average target around 414, modestly above the last close. Recent actions lean more positive than negative, highlighted by Morgan Stanley’s Overweight upgrade and UBS/HSBC target and rating support.
The next print has a mixed but workable setup. Credicorp has beaten in 5 of the last 7 quarters, while the latest quarter missed; analysts still see EPS rising to 67.06 for 2026 from 26.02 TTM, so shareholders should watch whether loan growth and margins keep supporting that path.
Recent insider activity leans to net selling, led by the CEO and CFO, with no offsetting open-market buys. That pattern is worth watching, though it is less concerning than a broad cluster of discretionary sales across the board.
Profitability is strong, with ROE at 19.15% and net margin at 32.9%. Growth is still healthy, with revenue up 25.6% year over year and earnings up 16.1%, while free cash flow of $8.37 billion and net cash of $9.98 billion leave the balance sheet in good shape.
Credicorp stands out as a diversified Latin American bank with strong returns and a premium-quality earnings profile. At about 15.0x earnings, it trades above many regional banks, but the valuation is backed by higher profitability and cash generation.
Recent insider transactions
Who's buying, who's selling, and how much.
| Date | Insider | Type | Shares |
|---|---|---|---|
| Jun 5, 26 | Cavero Diego Antonio | sell | 3,500 |
| May 21, 26 | Perez-Reyes Alejandro | sell | 1,073 |
| Mar 18, 26 | Perez-Reyes Alejandro | other | 0 |
| Mar 31, 26 | Romero Valdez Manuel Enrique | other | 0 |
| Mar 31, 26 | Romero Valdez Manuel Enrique | other | 0 |
| Mar 31, 26 | Romero Valdez Manuel Enrique | other | 0 |
| Mar 31, 26 | Paredes Manrique Juan Lizardo | other | 0 |
| Mar 18, 26 | Pierce Leslie Harold | other | 0 |
| Mar 18, 26 | Romero Belismelis Luis Enrique | other | 0 |
| Mar 18, 26 | Romero Belismelis Luis Enrique | other | 0 |
Our BAP coverage
Recent articles, reports, and earnings notes.
Credicorp (BAP): Peru Banking Scale Meets Digital Upside
Credicorp combines dominant Peru banking scale, strong profitability, and rising digital monetization. The stock looks attractive for medium-term investors, with Yape and low-cost funding supporting the growth case.
Credicorp Ltd. (BAP) rises 8% as Peru risk eases
Credicorp Ltd. (BAP) rises sharply as Peru’s election-driven market volatility reverses, sending the U.S.-listed financial stock back toward its 52-week high. The move appears tied to shifting political risk rather than a new company announcement, even as Credicorp’s fundamentals and dividend remain solid.
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AI analysis · Last refreshed July 1, 2026 · Live quote · Not investment advice