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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 1.50
BAP's Cash to Debt is ranked higher than
77% of the 1272 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.10 vs. BAP: 1.50 )
BAP' s 10-Year Cash to Debt Range
Min: 1.22   Max: No Debt
Current: 1.5

Equity to Asset 0.10
BAP's Equity to Asset is ranked higher than
66% of the 1588 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.10 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 1.42
BAP's Interest Coverage is ranked higher than
71% of the 1357 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.13 vs. BAP: 1.42 )
BAP' s 10-Year Interest Coverage Range
Min: 0.08   Max: 1.85
Current: 1.42

0.08
1.85
F-Score: 3
Z-Score: 0.30
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 (%) 28.61
BAP's Operating margin (%) is ranked higher than
72% of the 1462 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 30.05 vs. BAP: 28.61 )
BAP' s 10-Year Operating margin (%) Range
Min: 4.66   Max: 36.2
Current: 28.61

4.66
36.2
Net-margin (%) 23.48
BAP's Net-margin (%) is ranked higher than
79% of the 1570 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 20.57 vs. BAP: 23.48 )
BAP' s 10-Year Net-margin (%) Range
Min: 2.5   Max: 28.85
Current: 23.48

2.5
28.85
ROE (%) 19.39
BAP's ROE (%) is ranked higher than
97% of the 1554 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.99 vs. BAP: 19.39 )
BAP' s 10-Year ROE (%) Range
Min: 2.26   Max: 21.31
Current: 19.39

2.26
21.31
ROA (%) 1.98
BAP's ROA (%) is ranked higher than
95% of the 1563 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.75 vs. BAP: 1.98 )
BAP' s 10-Year ROA (%) Range
Min: 0.23   Max: 2.36
Current: 1.98

0.23
2.36
ROC (Joel Greenblatt) (%) 166.82
BAP's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 1437 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 78.30 vs. BAP: 166.82 )
BAP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.5   Max: 199.42
Current: 166.82

12.5
199.42
Revenue Growth (%) 19.10
BAP's Revenue Growth (%) is ranked higher than
96% of the 1284 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.00 vs. BAP: 19.10 )
BAP' s 10-Year Revenue Growth (%) Range
Min: -1   Max: 25
Current: 19.1

-1
25
EBITDA Growth (%) 15.90
BAP's EBITDA Growth (%) is ranked higher than
81% of the 1124 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.20 vs. BAP: 15.90 )
BAP' s 10-Year EBITDA Growth (%) Range
Min: 9.7   Max: 33.4
Current: 15.9

9.7
33.4
EPS Growth (%) 19.80
BAP's EPS Growth (%) is ranked higher than
83% of the 1103 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9.50 vs. BAP: 19.80 )
BAP' s 10-Year EPS Growth (%) Range
Min: -0.6   Max: 66.2
Current: 19.8

-0.6
66.2
» BAP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

BAP Guru Trades in Q1 2013

Ken Fisher 309,265 sh (+102.91%)
Louis Moore Bacon 19,000 sh (+52%)
Jeremy Grantham 321,170 sh (+50.63%)
Steven Cohen Sold Out
Caxton Associates 4,200 sh (-6.67%)
Jim Simons 389,800 sh (-23.97%)
» More
Q2 2013

BAP Guru Trades in Q2 2013

RS Investment Management 26,569 sh (New)
Jim Simons 417,200 sh (+7.03%)
Ken Fisher 314,790 sh (+1.79%)
Louis Moore Bacon Sold Out
Caxton Associates Sold Out
Jeremy Grantham 70,200 sh (-78.14%)
» More
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)
Jim Simons Sold Out
Steven Cohen Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BAP

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2013-12-31 Add 140.21%0.09%$124.55 - $141.82 $ 141.036%129800
George Soros 2013-09-30 New Buy0.08%$113.5 - $132.6 $ 141.0314%54035
Lee Ainslie 2012-09-30 Sold Out 2.3%$112.09 - $128.7 $ 141.0317%0
George Soros 2012-09-30 Sold Out 0.09%$112.09 - $128.7 $ 141.0317%0
Lee Ainslie 2012-06-30 Add 33.36%0.58%$117.31 - $136.27 $ 141.0312%1230777
George Soros 2012-06-30 New Buy0.09%$117.31 - $136.27 $ 141.0312%51300
Lee Ainslie 2012-03-31 Add 60.01%0.64%$104.85 - $130.16 $ 141.0328%922880
George Soros 2012-03-31 Sold Out 0.22%$104.85 - $130.16 $ 141.0328%0
Lee Ainslie 2011-12-31 New Buy0.88%$89.44 - $111.41 $ 141.0335%576769
John Griffin 2011-12-31 Sold Out 0.49%$89.44 - $111.41 $ 141.0335%0
George Soros 2011-12-31 Reduce -67.88%0.16%$89.44 - $111.41 $ 141.0335%47294
John Griffin 2011-09-30 Reduce -61.36%0.53%$82.25 - $102.79 $ 141.0350%258900
Ron Baron 2011-09-30 Sold Out 0.0017%$82.25 - $102.79 $ 141.0350%0
John Griffin 2011-06-30 Reduce -44.63%0.96%$82.55 - $107.78 $ 141.0347%670000
George Soros 2011-06-30 Add 227.65%0.13%$82.55 - $107.78 $ 141.0347%155960
Ron Baron 2011-06-30 Reduce -41.67%$82.55 - $107.78 $ 141.0347%3500
George Soros 2011-03-31 New Buy0.06%$97.22 - $119.77 $ 141.0332%47600
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.70
BAP's P/E(ttm) is ranked higher than
54% of the 1451 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.60 vs. BAP: 17.70 )
BAP' s 10-Year P/E(ttm) Range
Min: 6.2   Max: 19.2
Current: 17.7

6.2
19.2
P/B 2.70
BAP's P/B is ranked lower than
69% of the 1479 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.10 vs. BAP: 2.70 )
BAP' s 10-Year P/B Range
Min: 1.04   Max: 4.39
Current: 2.7

1.04
4.39
P/S 3.04
BAP's P/S is ranked higher than
51% of the 1638 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.80 vs. BAP: 3.04 )
BAP' s 10-Year P/S Range
Min: 1.03   Max: 5.33
Current: 3.04

1.03
5.33
EV-to-EBIT 16.70
BAP's EV-to-EBIT is ranked higher than
61% of the 1447 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 15.51 vs. BAP: 16.70 )
BAP' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 12.5
Current: 16.7

0.1
12.5
PEG 0.90
BAP's PEG is ranked higher than
69% of the 848 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.00 vs. BAP: 0.90 )
BAP' s 10-Year PEG Range
Min: 0.23   Max: 0.95
Current: 0.9

0.23
0.95
Shiller P/E 18.70
BAP's Shiller P/E is ranked higher than
59% of the 841 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 16.71 vs. BAP: 18.70 )
BAP' s 10-Year Shiller P/E Range
Min: 11.4   Max: 35.6
Current: 18.7

11.4
35.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.84
BAP's Dividend Yield is ranked lower than
60% of the 1312 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.40 vs. BAP: 1.84 )
BAP' s 10-Year Dividend Yield Range
Min: 1.62   Max: 4.13
Current: 1.84

1.62
4.13
Dividend Payout 0.33
BAP's Dividend Payout is ranked higher than
61% of the 1147 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.31 vs. BAP: 0.33 )
BAP' s 10-Year Dividend Payout Range
Min: 0.68   Max: 10
Current: 0.33

0.68
10
Dividend growth (3y) 15.30
BAP's Dividend growth (3y) is ranked higher than
87% of the 809 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 4.20 vs. BAP: 15.30 )
BAP' s 10-Year Dividend growth (3y) Range
Min: -39.4   Max: 58.7
Current: 15.3

-39.4
58.7
Yield on cost (5-Year) 3.32
BAP's Yield on cost (5-Year) is ranked higher than
63% of the 1327 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.66 vs. BAP: 3.32 )
BAP' s 10-Year Yield on cost (5-Year) Range
Min: 2.83   Max: 7.21
Current: 3.32

2.83
7.21

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.80
BAP's Price/Tangible Book is ranked lower than
68% of the 1380 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.20 vs. BAP: 2.80 )
BAP' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 4.97
Current: 2.8

0.71
4.97
Price/DCF (Projected) 0.90
BAP's Price/DCF (Projected) is ranked higher than
55% of the 902 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.60 vs. BAP: 0.90 )
BAP' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 1.82
Current: 0.9

0.21
1.82
Price/Median PS Value 1.00
BAP's Price/Median PS Value is ranked higher than
73% of the 1493 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.00 vs. BAP: 1.00 )
BAP' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 1.7
Current: 1

0.23
1.7
Price/Peter Lynch Fair Value 0.90
BAP's Price/Peter Lynch Fair Value is ranked higher than
66% of the 440 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.80 vs. BAP: 0.90 )
BAP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.38   Max: 0.87
Current: 0.9

0.38
0.87
Price/Graham Number 1.50
BAP's Price/Graham Number is ranked lower than
62% of the 1365 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.90 vs. BAP: 1.50 )
BAP' s 10-Year Price/Graham Number Range
Min: 0.57   Max: 3.22
Current: 1.5

0.57
3.22
Earnings Yield (Greenblatt) 6.00
BAP's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1411 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.40 vs. BAP: 6.00 )
BAP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.9   Max: 3162
Current: 6

5.9
3162
Forward Rate of Return (Yacktman) 22.71
BAP's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1102 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.77 vs. BAP: 22.71 )
BAP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 20.1   Max: 60.2
Current: 22.71

20.1
60.2

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:ITUB, BBD, BDORY, BSBR, GPFOY » details
Traded in other countries:D8V.Germany
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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