10 Year Financial Data of Credicorp Ltd (BAP)

148.49 (1y: +24%)

Market Cap	11.56 B	P/E(ttm)	14.80
Enterprise Value	16.3 B	P/B	2.84

BAP- NYSE (USA)
Credicorp Ltd

Currently 4.5/5

Business Predictability Rank: 4.5-Star (On Watch)
Back Testing Results:
Average gain of all 4.5-Star stocks: 10.6% per year.
% of Stocks that are in still loss if held for 10yrs: 10%.
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$148.49

2 Severe Warning Signs 1 Medium Warning Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	18.8	19.2	8
EBITDA Growth (%)	19	11	-35.9
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	0	0	17.9

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	10.30	11.59	13.82	18.61	18.40	21.98	29.40	34.61	43.86	43.22	41.63	11.01	8.57	10.95	12.41	9.70
EBITDA per Share	2.93	3.85	4.77	6.59	6.94	8.81	10.65	12.91	12.39	13.73	10.14	5.91	-1.15	3.45	4.38	3.46
Free Cashflow per Share	8.82	15.77	7.40	16.82	4.52	-6.70	39.54	-22.67	--	42.18	42.42	--	--	--	42.42	--
Earnings per Share ($)	1.64	2.28	2.88	4.40	4.49	5.90	7.17	8.90	9.95	9.90	10.06	2.37	2.16	2.85	2.77	2.28
Dividends Per Share	0.40	0.80	1.10	1.30	1.50	1.50	1.70	1.95	2.30	2.30	2.30	--	2.30	--	--	--
Book Value per Share	13.36	14.92	17.49	21.03	21.18	29.08	36.07	42.63	--	52.33	51.63	43.78	46.05	50.22	52.63	51.63
Month End Stock Price	15.81	22.79	40.94	76.30	49.96	77.02	119	109	125	147	166	132	126	125	147	166
Ratios	Annuals											Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	12.30	15.30	16.50	20.90	21.20	21.80	19.90	21.30	--	19.40	17.60	21.60	18.80	22.80	21.20	17.60
Return on Assets %	1.40	1.60	1.80	2.00	1.70	2.30	2.00	2.40	--	2.00	1.60	2.40	2.00	2.40	2.00	1.60
Debt to Equity	0.80	1.45	0.63	1.81	0.47	0.56	1.05	1.17	--	1.15	1.15	1.12	1.15	1.17	1.15	1.15

Operating Margin %	22.80	29.00	30.00	32.00	33.80	36.00	32.70	33.90	28.30	28.60	35.70	53.70	-13.40	31.50	24.20	35.70
Net Margin %	15.90	19.70	20.80	23.60	24.40	28.80	24.40	26.30	22.70	23.50	23.40	21.50	25.10	26.00	22.30	23.40

Debt to Revenue	1.04	1.87	0.80	2.04	0.54	0.74	1.28	1.44	--	1.39	6.13	4.45	6.20	5.36	4.87	6.13
Interest Exp. to Revenue %	46.59	47.53	45.16	42.73	56.08	50.96	45.15	47.37	--	46.97	58.22	42.36	57.62	47.52	44.29	58.22

Asset Turnover	0.09	0.08	0.09	0.08	0.07	0.08	0.08	0.09	--	0.08	0.02	0.03	0.02	0.02	0.02	0.02
Dividend Payout Ratio	0.24	0.35	0.38	0.30	0.33	0.24	0.24	0.22	0.23	0.23	--	--	1.07	--	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	383	439	499	634	823	892	1,058	1,306	1,537	1,617	1,695	372	394	415	435	451
Non Interest Income	439	485	605	850	645	859	1,285	1,451	1,958	1,825	1,620	507	290	459	548	323
Revenue	821	924	1,104	1,484	1,467	1,751	2,342	2,757	3,494	3,442	3,315	879	684	874	983	774

Selling, General, &Admin. Expense	238	279	350	477	634	779	1,225	1,379	1,917	1,783	1,640	270	299	446	538	358
Credit Losses Provision	16.13	-6.36	-4.24	28.44	48.76	163	175	215	345	378	403	69.64	111	94.39	103	94.78
Other Expenses	334	345	377	453	230	107	94.47	135	244	188	465	67.46	366	58.28	-4.15	44.95
Earnings Before DDA	234	307	381	526	554	702	849	1,028	987	1,093	807	472	-91.40	275	347	276

Depreciation, Depletion and Amortization	46.60	38.73	50.32	51.01	57.37	71.10	82.29	93.88	--	109	109	--	--	--	109	--

Operating Income	187	268	331	475	496	631	766	934	987	985	698	472	-91.40	275	238	276
Net Income	131	182	230	351	358	504	571	724	792	808	801	189	172	228	220	182

Earnings per Share ($)	1.64	2.28	2.88	4.40	4.49	5.90	7.17	8.90	9.95	9.90	10.06	2.37	2.16	2.85	2.77	2.28
Total Shares Outstanding	79.72	79.77	79.87	79.71	79.76	79.66	79.67	79.66	79.66	79.65	79.80	79.80	79.80	79.80	79.19	79.80
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	1,838	2,661	2,734	3,074	3,766	3,837	6,958	5,503	--	7,849	8,750	6,308	5,527	6,725	7,849	8,750
Net Loan	4,336	4,817	5,737	8,040	10,322	11,231	13,960	16,922	--	20,773	20,935	17,530	18,606	19,617	20,773	20,935
Securities & Investments	2,231	2,888	3,496	5,280	4,995	5,150	3,884	5,991	--	7,955	8,548	7,790	8,138	7,371	7,955	8,548
Accounts Receivable	96.12	92.59	96.46	202	645	355	289	325	--	1,552	198	167	166	176	1,552	198
Property, Plant and Equipment	247	248	255	275	329	339	373	472	--	590	582	482	494	511	590	582
Intangible Assets	--	--	216	227	247	342	373	453	--	760	--	--	--	--	760	--
Other Assets	339	323	348	609	516	774	2,576	1,065	--	1,319	3,500	1,884	2,148	3,300	1,319	3,500
Total Assets	9,088	11,030	12,882	17,706	20,821	22,028	28,413	30,733	--	40,797	42,514	34,161	35,078	37,701	40,797	42,514

Total Deposits	6,296	7,093	8,839	11,351	13,950	14,092	18,068	18,704	--	24,040	25,304	21,182	21,719	22,047	24,040	25,304
Accounts Payable	23.61	38.66	25.13	21.91	1,745	1,215	2,305	2,135	--	2,755	3,851	2,568	2,589	2,898	2,755	3,851
Current Portion of Long-Term Debt	234	878	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Long-Term Debt	619	852	883	3,026	785	1,287	3,002	3,966	--	4,783	4,742	3,910	4,240	4,681	4,783	4,742
Other liabilities	849	977	1,737	1,631	2,651	3,117	2,164	2,532	--	5,051	4,498	3,007	2,856	4,067	5,051	4,498
Total Liabilities	8,022	9,839	11,485	16,030	19,132	19,711	25,539	27,337	--	36,629	38,394	30,667	31,403	33,693	36,629	38,394

Common Stock	472	472	472	472	--	--	--	--	--	--	--	--	--	--	--	--
Retained Earnings	256	568	230	370	380	492	592	734	--	816	216	217	414	641	816	216
Additional Paid-In Capital	141	141	141	141	141	130	120	111	--	108	93.05	107	108	108	108	93.05
Treasury Stock	-73.11	-73.11	-73.11	-73.11	-73.11	-74.24	-74.71	-74.88	--	-74.63	-74.91	-74.67	-74.63	-74.63	-74.63	-74.91
Total Equity	1,065	1,190	1,397	1,676	1,689	2,317	2,874	3,396	--	4,168	4,120	3,494	3,675	4,008	4,168	4,120
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	131	195	247	372	369	504	603	724	--	808	808	--	--	--	808	--
Depreciation, Depletion and Amortization	46.60	38.73	50.32	51.01	57.37	71.10	82.29	93.88	--	109	109	--	--	--	109	--
Cash Flow from Others	526	1,024	293	917	25.59	-1,064	2,545	-2,523	--	2,668	2,668	--	--	--	2,668	--
Cash Flow from Operations	704	1,258	591	1,340	452	-489	3,230	-1,706	--	3,585	3,585	--	--	--	3,585	--

Investment for Property, Plant & Equipement	--	--	--	--	-91.35	-45.05	-80.18	-101	--	-226	-226	--	--	--	-226	--
Cash Flow from Acquisitions	--	17.98	-140	--	--	-92.33	--	-82.66	--	-193	-193	--	--	--	-193	--
Cash Flow from Investing	-444	-646	-610	-1,595	35.84	150	1,128	-2,654	--	-2,141	-2,141	--	--	--	-2,141	--

Net Issuance of Stock	0.26	--	--	--	--	-11.49	-15.00	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	4.52	296	166	680	347	449	590	1,443	--	460	460	--	--	--	460	--
Cash Flow for Dividends	-31.90	-63.81	-87.74	-104	-120	-119	-136	-156	--	-183	-183	--	--	--	-183	--
Other Financing	-0.00	0.00	--	0.00	--	-0.00	0.00	-17.49	--	512	512	--	--	--	512	--
Cash Flow from Financing	-27.12	232	78.20	576	228	318	440	1,270	--	789	789	--	--	--	789	--

Net Change in Cash	232	845	58.60	322	692	-20.49	4,798	-3,089	--	2,233	2,233	--	--	--	2,233	--

Free Cash Flow	704	1,258	591	1,340	361	-534	3,150	-1,806	--	3,359	3,359	--	--	--	3,359	--
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Sep12	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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