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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.83
BAP's Cash to Debt is ranked higher than
54% of the 984 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.36 vs. BAP: 1.83 )
Ranked among companies with meaningful Cash to Debt only.
BAP' s 10-Year Cash to Debt Range
Min: 1.22  Med: 2.36 Max: No Debt
Current: 1.83
Equity to Asset 0.10
BAP's Equity to Asset is ranked higher than
51% of the 1355 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 1.47
BAP's Interest Coverage is ranked lower than
52% of the 1272 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.60 vs. BAP: 1.47 )
Ranked among companies with meaningful Interest Coverage only.
BAP' s 10-Year Interest Coverage Range
Min: 0.08  Med: 1.17 Max: 1.85
Current: 1.47
0.08
1.85
F-Score: 5
WACC vs ROIC
7.88%
73.79%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 29.20
BAP's Operating margin (%) is ranked lower than
53% of the 1425 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 30.25 vs. BAP: 29.20 )
Ranked among companies with meaningful Operating margin (%) only.
BAP' s 10-Year Operating margin (%) Range
Min: 4.66  Med: 28.61 Max: 36.02
Current: 29.2
4.66
36.02
Net-margin (%) 21.78
BAP's Net-margin (%) is ranked lower than
51% of the 1425 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 22.01 vs. BAP: 21.78 )
Ranked among companies with meaningful Net-margin (%) only.
BAP' s 10-Year Net-margin (%) Range
Min: 2.5  Med: 19.20 Max: 28.8
Current: 21.78
2.5
28.8
ROE (%) 19.47
BAP's ROE (%) is ranked higher than
90% of the 1427 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.44 vs. BAP: 19.47 )
Ranked among companies with meaningful ROE (%) only.
BAP' s 10-Year ROE (%) Range
Min: 2.31  Med: 16.65 Max: 24.34
Current: 19.47
2.31
24.34
ROA (%) 1.98
BAP's ROA (%) is ranked higher than
86% of the 1436 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.87 vs. BAP: 1.98 )
Ranked among companies with meaningful ROA (%) only.
BAP' s 10-Year ROA (%) Range
Min: 0.23  Med: 1.84 Max: 2.35
Current: 1.98
0.23
2.35
Revenue Growth (3Y)(%) 19.70
BAP's Revenue Growth (3Y)(%) is ranked higher than
91% of the 1215 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.10 vs. BAP: 19.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BAP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.3  Med: 12.65 Max: 20.9
Current: 19.7
0.3
20.9
EBITDA Growth (3Y)(%) 11.90
BAP's EBITDA Growth (3Y)(%) is ranked higher than
63% of the 1072 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.60 vs. BAP: 11.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BAP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 6.9  Med: 17.15 Max: 32.5
Current: 11.9
6.9
32.5
EPS Growth (3Y)(%) 7.80
BAP's EPS Growth (3Y)(%) is ranked lower than
56% of the 1070 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9.60 vs. BAP: 7.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BAP' s 10-Year EPS Growth (3Y)(%) Range
Min: -2  Med: 20.40 Max: 64.9
Current: 7.8
-2
64.9
» BAP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

BAP Guru Trades in Q3 2014

Jim Simons 106,600 sh (+380.18%)
Ken Fisher 632,105 sh (+9.75%)
Pioneer Investments 7,656 sh (unchged)
Caxton Associates Sold Out
RS Investment Management 48,755 sh (-9.62%)
George Soros 79,122 sh (-22.95%)
Louis Moore Bacon 18,350 sh (-58.72%)
» More
Q4 2014

BAP Guru Trades in Q4 2014

Ken Fisher 771,652 sh (+22.08%)
Louis Moore Bacon Sold Out
Pioneer Investments 7,504 sh (-1.99%)
RS Investment Management 35,165 sh (-27.87%)
George Soros 42,681 sh (-46.06%)
Jim Simons 5,300 sh (-95.03%)
» More
Q1 2015

BAP Guru Trades in Q1 2015

John Rogers 43,318 sh (New)
Frank Sands 72,190 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%)
RS Investment Management 23,563 sh (+4.72%)
Pioneer Investments 5,400 sh (-12.21%)
» 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) 10.41
BAP's P/E(ttm) is ranked higher than
64% of the 1293 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.10 vs. BAP: 10.41 )
Ranked among companies with meaningful P/E(ttm) only.
BAP' s 10-Year P/E(ttm) Range
Min: 6.65  Med: 15.24 Max: 20.7
Current: 10.41
6.65
20.7
Forward P/E 7.91
BAP's Forward P/E is ranked higher than
82% of the 714 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.85 vs. BAP: 7.91 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.30
BAP's PE(NRI) is ranked higher than
68% of the 1291 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.20 vs. BAP: 10.30 )
Ranked among companies with meaningful PE(NRI) only.
BAP' s 10-Year PE(NRI) Range
Min: 6.65  Med: 15.08 Max: 22.44
Current: 10.3
6.65
22.44
P/B 1.79
BAP's P/B is ranked lower than
89% of the 1370 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.06 vs. BAP: 1.79 )
Ranked among companies with meaningful P/B only.
BAP' s 10-Year P/B Range
Min: 1.17  Med: 2.89 Max: 4.76
Current: 1.79
1.17
4.76
P/S 2.17
BAP's P/S is ranked higher than
65% of the 1409 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.86 vs. BAP: 2.17 )
Ranked among companies with meaningful P/S only.
BAP' s 10-Year P/S Range
Min: 1.24  Med: 3.31 Max: 5.61
Current: 2.17
1.24
5.61
EV-to-EBIT 3.86
BAP's EV-to-EBIT is ranked higher than
93% of the 1284 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.41 vs. BAP: 3.86 )
Ranked among companies with meaningful EV-to-EBIT only.
BAP' s 10-Year EV-to-EBIT Range
Min: -1.9  Med: 8.10 Max: 16.3
Current: 3.86
-1.9
16.3
PEG 0.94
BAP's PEG is ranked higher than
53% of the 619 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.00 vs. BAP: 0.94 )
Ranked among companies with meaningful PEG only.
BAP' s 10-Year PEG Range
Min: 0.22  Med: 0.60 Max: 2.33
Current: 0.94
0.22
2.33
Shiller P/E 12.86
BAP's Shiller P/E is ranked higher than
64% of the 786 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 15.81 vs. BAP: 12.86 )
Ranked among companies with meaningful Shiller P/E only.
BAP' s 10-Year Shiller P/E Range
Min: 11.15  Med: 20.79 Max: 33.58
Current: 12.86
11.15
33.58
Days Sales Outstanding 16.84
BAP's Days Sales Outstanding is ranked higher than
84% of the 795 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 34.20 vs. BAP: 16.84 )
Ranked among companies with meaningful Days Sales Outstanding only.
BAP' s 10-Year Days Sales Outstanding Range
Min: 13.74  Med: 32.75 Max: 126.28
Current: 16.84
13.74
126.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.05
BAP's Dividend Yield is ranked lower than
67% of the 2258 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.76 vs. BAP: 2.05 )
Ranked among companies with meaningful Dividend Yield only.
BAP' s 10-Year Dividend Yield Range
Min: 1.04  Med: 1.84 Max: 4.34
Current: 2.05
1.04
4.34
Dividend Payout 0.21
BAP's Dividend Payout is ranked higher than
73% of the 1330 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.33 vs. BAP: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
BAP' s 10-Year Dividend Payout Range
Min: 0.7  Med: 1.08 Max: 9.96
Current: 0.21
0.7
9.96
Dividend growth (3y) 0.20
BAP's Dividend growth (3y) is ranked lower than
74% of the 674 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.40 vs. BAP: 0.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
BAP' s 10-Year Dividend growth (3y) Range
Min: -38  Med: 12.15 Max: 57.1
Current: 0.2
-38
57.1
Yield on cost (5-Year) 2.71
BAP's Yield on cost (5-Year) is ranked lower than
57% of the 2253 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.23 vs. BAP: 2.71 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BAP' s 10-Year Yield on cost (5-Year) Range
Min: 1.42  Med: 2.51 Max: 5.92
Current: 2.71
1.42
5.92

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.84
BAP's Price/Tangible Book is ranked lower than
83% of the 1347 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.13 vs. BAP: 1.84 )
Ranked among companies with meaningful Price/Tangible Book only.
BAP' s 10-Year Price/Tangible Book Range
Min: 0.6  Med: 2.27 Max: 5.14
Current: 1.84
0.6
5.14
Price/Projected FCF 5.30
BAP's Price/Projected FCF is ranked lower than
283% of the 805 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.65 vs. BAP: 5.30 )
Ranked among companies with meaningful Price/Projected FCF only.
BAP' s 10-Year Price/Projected FCF Range
Min: 0.51  Med: 2.26 Max: 7.93
Current: 5.3
0.51
7.93
Price/DCF (Earnings Based) 0.45
BAP's Price/DCF (Earnings Based) is ranked higher than
68% of the 57 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.70 vs. BAP: 0.45 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.67
BAP's Price/Median PS Value is ranked higher than
90% of the 1310 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.04 vs. BAP: 0.67 )
Ranked among companies with meaningful Price/Median PS Value only.
BAP' s 10-Year Price/Median PS Value Range
Min: 0.18  Med: 0.82 Max: 1.55
Current: 0.67
0.18
1.55
Price/Peter Lynch Fair Value 0.90
BAP's Price/Peter Lynch Fair Value is ranked higher than
50% of the 371 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.91 vs. BAP: 0.90 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BAP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34  Med: 0.63 Max: 2.05
Current: 0.9
0.34
2.05
Price/Graham Number 0.90
BAP's Price/Graham Number is ranked lower than
61% of the 1181 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.82 vs. BAP: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
BAP' s 10-Year Price/Graham Number Range
Min: 0.49  Med: 1.21 Max: 2.94
Current: 0.9
0.49
2.94
Earnings Yield (Greenblatt) (%) 25.82
BAP's Earnings Yield (Greenblatt) (%) is ranked higher than
94% of the 1408 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.80 vs. BAP: 25.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BAP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.1  Med: 12.00 Max: 6172.3
Current: 25.82
6.1
6172.3
Forward Rate of Return (Yacktman) (%) 11.21
BAP's Forward Rate of Return (Yacktman) (%) is ranked lower than
57% of the 792 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.82 vs. BAP: 11.21 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BAP' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 9.2  Med: 23.10 Max: 42.3
Current: 11.21
9.2
42.3

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 3,593 4,034 4,491
EPS($) 3.80 4.49 4.89
EPS without NRI($) 3.80 4.49 4.89

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:ITUB, BBD, BDORY, BSBR, GPFOY » details
Traded in other countries:BAP N.Mexico, D8V.Germany,
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.
» More Articles for BAP

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