# Credicorp Ltd. (BAP) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $382.53, market value $30.4 billion.

## Valuation
- **P/E (trailing): 14.2×** (5-yr avg 2.3×, 3-yr avg 2.5×). Credicorp Ltd. trades at 14.2× trailing earnings, well above its own five-year average of 2.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.43**. A PEG of 0.43 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 2.7×**. The shares trade at 2.7× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 7.1%**. The inverse of the P/E: 7.1% of the price is earned each year.

## Profitability
- **Net margin: 28.9%**. 28.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 18.1%**. 18.1% on shareholders' equity is solid.
- **Return on assets: 2.8%**. Each dollar of assets produces 2.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -12.7%** (3-yr 4.7%/yr, 5-yr 5.4%/yr). Revenue fell 12.7% over the last year, against 5.4% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 26.0%** (3-yr 14.3%/yr, 5-yr 82.0%/yr). Earnings per share rose 26.0%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.77%** ($14.41 per share, trailing). Credicorp Ltd. yields 3.77%, an income-level yield.
- **Payout ratio: 46%** (43% of free cash flow). 46% of earnings goes out as dividends, leaving room to keep raising it.
- **Dividend growth (5 yr): -9.0%/yr** (1-yr -9.8%). The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (14 analysts). 14 analysts cover Credicorp Ltd.; the consensus is buy, with an average price target of $422.69 (+10% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 54.1%** (YTD 39.6%, 3-mo 18.6%). The shares are up 54.1% over twelve months including dividends.
- **From 52-week high: -7.4%** (66.0% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.91** (volatility 35%). Beta of 0.91 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BAP · Page: https://foliofundamentals.com/stocks/bap

Not investment advice.