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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 1.55
BAP's Cash to Debt is ranked higher than
77% of the 1369 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.49 vs. BAP: 1.55 )
BAP' s 10-Year Cash to Debt Range
Min: 1.22   Max: No Debt
Current: 1.55

Equity to Asset 0.10
BAP's Equity to Asset is ranked higher than
71% of the 1759 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.09 vs. BAP: 0.10 )
BAP' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.1

0.08
0.12
Interest Coverage 1.25
BAP's Interest Coverage is ranked higher than
68% of the 1628 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.27 vs. BAP: 1.25 )
BAP' s 10-Year Interest Coverage Range
Min: 0.08   Max: 1.85
Current: 1.25

0.08
1.85
F-Score: 6
Z-Score: 0.41
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 25.64
BAP's Operating margin (%) is ranked higher than
69% of the 1784 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 29.51 vs. BAP: 25.64 )
BAP' s 10-Year Operating margin (%) Range
Min: 4.66   Max: 36.2
Current: 25.64

4.66
36.2
Net-margin (%) 20.15
BAP's Net-margin (%) is ranked higher than
73% of the 1784 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 21.58 vs. BAP: 20.15 )
BAP' s 10-Year Net-margin (%) Range
Min: 2.5   Max: 28.85
Current: 20.15

2.5
28.85
ROE (%) 18.45
BAP's ROE (%) is ranked higher than
96% of the 1791 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.52 vs. BAP: 18.45 )
BAP' s 10-Year ROE (%) Range
Min: 2.31   Max: 22.66
Current: 18.45

2.31
22.66
ROA (%) 1.84
BAP's ROA (%) is ranked higher than
95% of the 1791 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.81 vs. BAP: 1.84 )
BAP' s 10-Year ROA (%) Range
Min: 0.23   Max: 2.35
Current: 1.84

0.23
2.35
ROC (Joel Greenblatt) (%) 141.90
BAP's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 1765 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 76.03 vs. BAP: 141.90 )
BAP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.17   Max: 210.71
Current: 141.9

12.17
210.71
Revenue Growth (%) 12.10
BAP's Revenue Growth (%) is ranked higher than
93% of the 1557 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.20 vs. BAP: 12.10 )
BAP' s 10-Year Revenue Growth (%) Range
Min: -0.1   Max: 22.6
Current: 12.1

-0.1
22.6
EBITDA Growth (%) 8.70
BAP's EBITDA Growth (%) is ranked higher than
77% of the 1406 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.50 vs. BAP: 8.70 )
BAP' s 10-Year EBITDA Growth (%) Range
Min: 8.7   Max: 32.4
Current: 8.7

8.7
32.4
EPS Growth (%) -0.40
BAP's EPS Growth (%) is ranked higher than
66% of the 1416 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.90 vs. BAP: -0.40 )
BAP' s 10-Year EPS Growth (%) Range
Min: -0.5   Max: 64.9
Current: -0.4

-0.5
64.9
» BAP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

BAP Guru Trades in Q3 2013

Steven Cohen 2,528 sh (New)
George Soros 54,035 sh (New)
Pioneer Investments 13,305 sh (New)
Louis Moore Bacon 23,350 sh (New)
RS Investment Management 36,730 sh (+38.24%)
Ken Fisher 322,440 sh (+2.43%)
Jeremy Grantham Sold Out
Jim Simons 64,500 sh (-84.54%)
» More
Q4 2013

BAP Guru Trades in Q4 2013

George Soros 129,800 sh (+140.21%)
Louis Moore Bacon 38,350 sh (+64.24%)
RS Investment Management 58,255 sh (+58.6%)
Ken Fisher 362,399 sh (+12.39%)
Pioneer Investments 13,305 sh (unchged)
Steven Cohen Sold Out
Jim Simons Sold Out
» More
Q1 2014

BAP Guru Trades in Q1 2014

Steven Cohen 5,864 sh (New)
Ken Fisher 483,920 sh (+33.53%)
George Soros 129,800 sh (unchged)
Louis Moore Bacon 38,050 sh (-0.78%)
Pioneer Investments 12,785 sh (-3.91%)
RS Investment Management 45,805 sh (-21.37%)
» More
Q2 2014

BAP Guru Trades in Q2 2014

Jim Simons 22,200 sh (New)
Caxton Associates 1,700 sh (New)
Ken Fisher 575,975 sh (+19.02%)
RS Investment Management 53,945 sh (+17.77%)
Louis Moore Bacon 44,450 sh (+16.82%)
Pioneer Investments 12,384 sh (-3.14%)
George Soros 102,695 sh (-20.88%)
» More
» Details

Insider Trades

Latest Guru Trades with BAP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2014-06-30 Reduce -20.88%0.04%$137.39 - $158.91 $ 151.651%102695
Ken Fisher 2014-03-31 Add 33.53%0.04%$125.14 - $140.54 $ 151.6516%483920
George Soros 2013-12-31 Add 140.21%0.09%$124.55 - $141.82 $ 151.6514%129800
George Soros 2013-09-30 New Buy0.08%$113.5 - $132.6 $ 151.6523%54035
Ken Fisher 2013-03-31 Add 102.91%0.07%$142.95 - $166.05 $ 151.65-2%309265
Lee Ainslie 2012-09-30 Sold Out 2.3%$112.09 - $128.7 $ 151.6526%0
George Soros 2012-09-30 Sold Out 0.09%$112.09 - $128.7 $ 151.6526%0
Ken Fisher 2012-09-30 Add 75.7%0.02%$112.09 - $128.7 $ 151.6526%143690
Lee Ainslie 2012-06-30 Add 33.36%0.58%$117.31 - $136.27 $ 151.6520%1230777
George Soros 2012-06-30 New Buy0.09%$117.31 - $136.27 $ 151.6520%51300
Ken Fisher 2012-06-30 New Buy0.03%$117.31 - $136.27 $ 151.6520%81780
Lee Ainslie 2012-03-31 Add 60.01%0.64%$104.85 - $130.16 $ 151.6537%922880
George Soros 2012-03-31 Sold Out 0.22%$104.85 - $130.16 $ 151.6537%0
Lee Ainslie 2011-12-31 New Buy0.88%$89.44 - $111.41 $ 151.6545%576769
John Griffin 2011-12-31 Sold Out 0.49%$89.44 - $111.41 $ 151.6545%0
George Soros 2011-12-31 Reduce -67.88%0.16%$89.44 - $111.41 $ 151.6545%47294
John Griffin 2011-09-30 Reduce -61.36%0.53%$82.25 - $102.79 $ 151.6562%258900
Ron Baron 2011-09-30 Sold Out 0.0017%$82.25 - $102.79 $ 151.6562%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.00
BAP's P/E(ttm) is ranked higher than
66% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.80 vs. BAP: 16.00 )
BAP' s 10-Year P/E(ttm) Range
Min: 6.18   Max: 20.76
Current: 16

6.18
20.76
P/B 2.72
BAP's P/B is ranked lower than
56% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.15 vs. BAP: 2.72 )
BAP' s 10-Year P/B Range
Min: 0.87   Max: 4.21
Current: 2.72

0.87
4.21
P/S 3.23
BAP's P/S is ranked higher than
64% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.08 vs. BAP: 3.23 )
BAP' s 10-Year P/S Range
Min: 1.06   Max: 5.21
Current: 3.23

1.06
5.21
EV-to-EBIT 9.92
BAP's EV-to-EBIT is ranked higher than
87% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 17.06 vs. BAP: 9.92 )
BAP' s 10-Year EV-to-EBIT Range
Min: -5.5   Max: 14.9
Current: 9.92

-5.5
14.9
PEG 1.50
BAP's PEG is ranked higher than
85% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9999.00 vs. BAP: 1.50 )
BAP' s 10-Year PEG Range
Min: 0.25   Max: 2.38
Current: 1.5

0.25
2.38
Shiller P/E 19.37
BAP's Shiller P/E is ranked higher than
74% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 27.60 vs. BAP: 19.37 )
BAP' s 10-Year Shiller P/E Range
Min: 10.4   Max: 31.21
Current: 19.37

10.4
31.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.25
BAP's Dividend Yield is ranked lower than
78% of the 1506 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.40 vs. BAP: 1.25 )
BAP' s 10-Year Dividend Yield Range
Min: 1.2   Max: 4.67
Current: 1.25

1.2
4.67
Dividend Payout 0.19
BAP's Dividend Payout is ranked higher than
86% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.47 vs. BAP: 0.19 )
BAP' s 10-Year Dividend Payout Range
Min: 0.7   Max: 9.96
Current: 0.19

0.7
9.96
Dividend growth (3y) 13.20
BAP's Dividend growth (3y) is ranked higher than
86% of the 1058 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 5.60 vs. BAP: 13.20 )
BAP' s 10-Year Dividend growth (3y) Range
Min: -38   Max: 57.1
Current: 13.2

-38
57.1
Yield on cost (5-Year) 2.28
BAP's Yield on cost (5-Year) is ranked lower than
59% of the 1519 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.70 vs. BAP: 2.28 )
BAP' s 10-Year Yield on cost (5-Year) Range
Min: 2.11   Max: 8.19
Current: 2.28

2.11
8.19

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.72
BAP's Price/Tangible Book is ranked higher than
57% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.33 vs. BAP: 2.72 )
BAP' s 10-Year Price/Tangible Book Range
Min: 0.56   Max: 4.77
Current: 2.72

0.56
4.77
Price/DCF (Projected) 0.85
BAP's Price/DCF (Projected) is ranked higher than
75% of the 1927 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.15 vs. BAP: 0.85 )
BAP' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 1.02
Current: 0.85

0.19
1.02
Price/Median PS Value 1.04
BAP's Price/Median PS Value is ranked higher than
77% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.10 vs. BAP: 1.04 )
BAP' s 10-Year Price/Median PS Value Range
Min: 0.18   Max: 1.53
Current: 1.04

0.18
1.53
Price/Peter Lynch Fair Value 2.00
BAP's Price/Peter Lynch Fair Value is ranked higher than
86% of the 1927 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9999.00 vs. BAP: 2.00 )
BAP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31   Max: 2.09
Current: 2

0.31
2.09
Price/Graham Number 1.38
BAP's Price/Graham Number is ranked higher than
63% of the 1928 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.05 vs. BAP: 1.38 )
BAP' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 2.73
Current: 1.38

0.46
2.73
Earnings Yield (Greenblatt) 10.10
BAP's Earnings Yield (Greenblatt) is ranked higher than
82% of the 1575 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.30 vs. BAP: 10.10 )
BAP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.7   Max: 4862.1
Current: 10.1

6.7
4862.1
Forward Rate of Return (Yacktman) 14.00
BAP's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1413 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.52 vs. BAP: 14.00 )
BAP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 10.4   Max: 36.7
Current: 14

10.4
36.7

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:ITUB, BBD, BDORY, BSBR, GPFOY » details
Traded in other countries:D8V.Germany, BAP N.Mexico
Credicorp Ltd., was incorporated in Bermuda on October 20, 1995 to act as a holding company. The Company's main activity is to coordinate and manage the business plans of its subsidiaries in an effort to implement universal banking services and develop its insurance business, focusing in Peru and Bolivia and with limited investments in other countries of the region. The Company operates mainly through its four operating segments: banking (including commercial and investment banking), insurance, pension funds, and brokerage and other. Banking: mainly handling loans, credit facilities, deposits and current accounts, and providing investment banking services, including corporate finance, both for corporate and institutional customers. Banking also includes handling deposits consumer loans and credit cards facilities for individual customers. Insurance: including commercial property, transportation and marine hull, automobile, life, health and pension fund underwriting insurance. Pension funds: providing private pension fund management services to contributors. Brokerage and others: including the structuring and placement of main market issues and the execution and trading of secondary market transactions. This segment also includes offers of local securitization structuring to corporate entities, management of mutual funds and other services. The Company's five main subsidiaries are Banco de Credito del Peru, Atlantic Security Bank, El Pacifico-Peruano Suiza Compania de Seguros y Reaseguros, Prima AFP, Credicorp Investments. The Company is subject to supervision and regulation through the Superintendency of Banks, Insurance and Pension Fund's consolidated supervision regulations, which oversee all of its subsidiaries and offices including those located outside Peru.
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