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Also traded in: Germany, Mexico, Peru

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 : 4/10

vs
industry
vs
history
Cash to Debt 1.99
BAP's Cash to Debt is ranked higher than
51% of the 1088 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.69 vs. BAP: 1.99 )
Ranked among companies with meaningful Cash to Debt only.
BAP' s Cash to Debt Range Over the Past 10 Years
Min: 1.22  Med: 2.35 Max: No Debt
Current: 1.99
Equity to Asset 0.10
BAP's Equity to Asset is ranked higher than
50% of the 1578 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.10 vs. BAP: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
BAP' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 1.69
BAP's Interest Coverage is ranked lower than
52% of the 1429 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.82 vs. BAP: 1.69 )
Ranked among companies with meaningful Interest Coverage only.
BAP' s Interest Coverage Range Over the Past 10 Years
Min: 0.88  Med: 1.45 Max: 1.85
Current: 1.69
0.88
1.85
F-Score: 4
WACC vs ROIC
8.85%
192.96%
WACC
ROIC
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 (%) 33.65
BAP's Operating margin (%) is ranked higher than
53% of the 1590 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 30.86 vs. BAP: 33.65 )
Ranked among companies with meaningful Operating margin (%) only.
BAP' s Operating margin (%) Range Over the Past 10 Years
Min: 25.3  Med: 29.51 Max: 38.28
Current: 33.65
25.3
38.28
Net-margin (%) 24.12
BAP's Net-margin (%) is ranked higher than
51% of the 1593 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 22.37 vs. BAP: 24.12 )
Ranked among companies with meaningful Net-margin (%) only.
BAP' s Net-margin (%) Range Over the Past 10 Years
Min: 14.73  Med: 21.88 Max: 30.29
Current: 24.12
14.73
30.29
ROE (%) 20.82
BAP's ROE (%) is ranked higher than
93% of the 1589 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.01 vs. BAP: 20.82 )
Ranked among companies with meaningful ROE (%) only.
BAP' s ROE (%) Range Over the Past 10 Years
Min: 13.7  Med: 21.50 Max: 22.66
Current: 20.82
13.7
22.66
ROA (%) 2.12
BAP's ROA (%) is ranked higher than
88% of the 1598 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.86 vs. BAP: 2.12 )
Ranked among companies with meaningful ROA (%) only.
BAP' s ROA (%) Range Over the Past 10 Years
Min: 1.41  Med: 2.02 Max: 2.3
Current: 2.12
1.41
2.3
Revenue Growth (3Y)(%) 26.40
BAP's Revenue Growth (3Y)(%) is ranked higher than
94% of the 1284 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.10 vs. BAP: 26.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BAP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 10.10 Max: 26.4
Current: 26.4
0
26.4
EBITDA Growth (3Y)(%) 11.90
BAP's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 1167 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.40 vs. BAP: 11.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BAP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 6.9  Med: 17.15 Max: 32.5
Current: 11.9
6.9
32.5
EPS Growth (3Y)(%) 8.60
BAP's EPS Growth (3Y)(%) is ranked higher than
51% of the 1165 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.60 vs. BAP: 8.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BAP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -2  Med: 19.95 Max: 65.3
Current: 8.6
-2
65.3
» BAP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

BAP Guru Trades in Q1 2015

Frank Sands 72,190 sh (New)
John Rogers 43,318 sh (New)
Jim Simons 132,922 sh (+2407.96%)
Ken Fisher 967,087 sh (+25.33%)
George Soros Sold Out
Pioneer Investments 6,151 sh (-18.03%)
RS Investment Management 22,500 sh (-36.02%)
» More
Q2 2015

BAP Guru Trades in Q2 2015

Sarah Ketterer 17,266 sh (New)
Jim Simons 242,800 sh (+82.66%)
Frank Sands 97,292 sh (+34.77%)
Ken Fisher 1,109,030 sh (+14.68%)
John Rogers 47,881 sh (+10.53%)
RS Investment Management 23,563 sh (+4.72%)
Pioneer Investments 5,400 sh (-12.21%)
» More
Q3 2015

BAP Guru Trades in Q3 2015

Jeremy Grantham 3,500 sh (New)
Jim Simons 380,600 sh (+56.75%)
Frank Sands 136,780 sh (+40.59%)
John Rogers 52,613 sh (+9.88%)
Ken Fisher 1,128,705 sh (+1.77%)
Sarah Ketterer 17,266 sh (unchged)
RS Investment Management Sold Out
Pioneer Investments 2,098 sh (-61.15%)
» More
Q4 2015

BAP Guru Trades in Q4 2015

David Dreman 5 sh (New)
Frank Sands 184,261 sh (+34.71%)
Jeremy Grantham 4,400 sh (+25.71%)
Ken Fisher 1,165,791 sh (+3.29%)
Pioneer Investments 2,098 sh (unchged)
John Rogers 43,518 sh (-17.29%)
Jim Simons 126,700 sh (-66.71%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.56
BAP's P/E(ttm) is ranked higher than
66% of the 2255 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.31 vs. BAP: 9.56 )
Ranked among companies with meaningful P/E(ttm) only.
BAP' s P/E(ttm) Range Over the Past 10 Years
Min: 6.65  Med: 15.15 Max: 20.7
Current: 9.56
6.65
20.7
Forward P/E 7.42
BAP's Forward P/E is ranked higher than
73% of the 1347 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9.44 vs. BAP: 7.42 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.56
BAP's PE(NRI) is ranked higher than
70% of the 1705 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.34 vs. BAP: 9.56 )
Ranked among companies with meaningful PE(NRI) only.
BAP' s PE(NRI) Range Over the Past 10 Years
Min: 6.65  Med: 15.14 Max: 22.44
Current: 9.56
6.65
22.44
P/B 1.71
BAP's P/B is ranked lower than
84% of the 2306 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.09 vs. BAP: 1.71 )
Ranked among companies with meaningful P/B only.
BAP' s P/B Range Over the Past 10 Years
Min: 1.25  Med: 2.89 Max: 4.76
Current: 1.71
1.25
4.76
P/S 2.41
BAP's P/S is ranked higher than
53% of the 2512 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.48 vs. BAP: 2.41 )
Ranked among companies with meaningful P/S only.
BAP' s P/S Range Over the Past 10 Years
Min: 1.53  Med: 3.31 Max: 5.6
Current: 2.41
1.53
5.6
EV-to-EBIT 3.13
BAP's EV-to-EBIT is ranked higher than
96% of the 2210 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.37 vs. BAP: 3.13 )
Ranked among companies with meaningful EV-to-EBIT only.
BAP' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.8  Med: 8.10 Max: 17.5
Current: 3.13
-0.8
17.5
EV-to-EBITDA 2.80
BAP's EV-to-EBITDA is ranked higher than
96% of the 2214 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.19 vs. BAP: 2.80 )
Ranked among companies with meaningful EV-to-EBITDA only.
BAP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.8  Med: 7.40 Max: 15.1
Current: 2.8
-0.8
15.1
PEG 0.83
BAP's PEG is ranked higher than
55% of the 653 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9999.00 vs. BAP: 0.83 )
Ranked among companies with meaningful PEG only.
BAP' s PEG Range Over the Past 10 Years
Min: 0.21  Med: 0.61 Max: 2.26
Current: 0.83
0.21
2.26
Shiller P/E 15.69
BAP's Shiller P/E is ranked higher than
52% of the 682 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 15.24 vs. BAP: 15.69 )
Ranked among companies with meaningful Shiller P/E only.
BAP' s Shiller P/E Range Over the Past 10 Years
Min: 12.4  Med: 26.93 Max: 44.87
Current: 15.69
12.4
44.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.97
BAP's Dividend Yield is ranked lower than
67% of the 2412 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.03 vs. BAP: 1.97 )
Ranked among companies with meaningful Dividend Yield only.
BAP' s Dividend Yield Range Over the Past 10 Years
Min: 1.04  Med: 1.84 Max: 4.34
Current: 1.97
1.04
4.34
Dividend Payout 0.20
BAP's Dividend Payout is ranked higher than
76% of the 1441 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.34 vs. BAP: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
BAP' s Dividend Payout Range Over the Past 10 Years
Min: 0.7  Med: 1.08 Max: 9.96
Current: 0.2
0.7
9.96
Dividend Growth (3y) 0.20
BAP's Dividend Growth (3y) is ranked lower than
65% of the 730 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 5.00 vs. BAP: 0.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
BAP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -38  Med: 12.15 Max: 57.1
Current: 0.2
-38
57.1
Forward Dividend Yield 1.97
BAP's Forward Dividend Yield is ranked lower than
72% of the 2191 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.26 vs. BAP: 1.97 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.70
BAP's Yield on cost (5-Year) is ranked lower than
55% of the 2446 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.42 vs. BAP: 2.70 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BAP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.42  Med: 2.51 Max: 5.92
Current: 2.7
1.42
5.92

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
BAP's Price/Tangible Book is ranked lower than
81% of the 2217 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.17 vs. BAP: 1.70 )
Ranked among companies with meaningful Price/Tangible Book only.
BAP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.6  Med: 2.21 Max: 5.14
Current: 1.7
0.6
5.14
Price/Projected FCF 5.33
BAP's Price/Projected FCF is ranked lower than
65% of the 1375 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.63 vs. BAP: 5.33 )
Ranked among companies with meaningful Price/Projected FCF only.
BAP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.51  Med: 2.26 Max: 7.93
Current: 5.33
0.51
7.93
Price/DCF (Earnings Based) 0.39
BAP's Price/DCF (Earnings Based) is ranked higher than
70% of the 142 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.67 vs. BAP: 0.39 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.66
BAP's Price/Median PS Value is ranked higher than
82% of the 2134 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.93 vs. BAP: 0.66 )
Ranked among companies with meaningful Price/Median PS Value only.
BAP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.18  Med: 0.79 Max: 1.6
Current: 0.66
0.18
1.6
Price/Peter Lynch Fair Value 0.75
BAP's Price/Peter Lynch Fair Value is ranked higher than
55% of the 634 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.82 vs. BAP: 0.75 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BAP' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.34  Med: 0.62 Max: 1.99
Current: 0.75
0.34
1.99
Price/Graham Number 0.82
BAP's Price/Graham Number is ranked lower than
55% of the 2079 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.77 vs. BAP: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
BAP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 1.22 Max: 2.62
Current: 0.82
0.5
2.62
Earnings Yield (Greenblatt) (%) 32.07
BAP's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1519 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.20 vs. BAP: 32.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BAP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.7  Med: 12.25 Max: 3361.1
Current: 32.07
5.7
3361.1
Forward Rate of Return (Yacktman) (%) 12.85
BAP's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 869 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.65 vs. BAP: 12.85 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BAP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 9.4  Med: 24.00 Max: 42.8
Current: 12.85
9.4
42.8

More Statistics

Revenue(Mil) $4136
EPS $ 12.51
Beta0.83
Short Percentage of Float0.99%
52-Week Range $81.78 - 157.89
Shares Outstanding(Mil)79.76

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 4,108 4,533
EPS($) 4.35 4.82
EPS without NRI($) 4.35 4.82

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:ITUB, BBD, BDORY, BSBR, GPFOY » details
Traded in other countries:D8V.Germany, BAP N.Mexico, BAP.Peru,
Credicorp Ltd was incorporated in Bermuda on October 20, 1995. The Company through its banking and non-banking subsidiaries, provides financial and health services and products mainly throughout Peru and in certain other countries. The Company operates in four segments namely Banking, Insurance, Pension fund and Investment banking. The Banking segment is engaged in handling loans, credit facilities, deposits and current accounts. The Insurance segment grants property, transportation, marine hull, automobile, life, health and pension fund underwriting insurance. Private hospitals operations are also included under this operating segment. It also provides health and wellness programs, primary and ambulatory services, and acute care services. Pension funds provide private pension fund management services to individuals. Investment banking provides brokerage and securities and investment management services to a diversified client base, including corporations, institutional investors, governments and endowment. It also includes the structuring and placement of primary market issuances and the execution and trading of secondary market transactions. In addition, it offers securitization structuring to corporate entities and manages mutual funds. The Company is subject to regulation and supervision in Peru, Bolivia, Colombia, Chile, the Cayman Islands, the United States of America, and Panama.
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