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132.18 (1y: +4%)
Market Cap 10.56 B P/E(ttm) 13.20
Enterprise Value 15.13 B P/B 2.50
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%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$132.18
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 6/10

vs
industry		 vs
history
Cash to Debt 1.641
BAP's Cash to Debt is ranked higher than
78% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.42 vs. BAP: 1.641 )
BAP' s 10-Year Cash to Debt Range
Min: 1.02   Max: 4.8
Current: 1.64
1.02
4.8
Equity to Asset 0.102
BAP's Equity to Asset is ranked higher than
69% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.09 vs. BAP: 0.102 )
BAP' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage No Debt
BAP's Interest Coverage is ranked higher than
88% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 10000.00 vs. BAP: No Debt )
BAP' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.46
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 28.60
BAP's Operating margin (%) is ranked higher than
75% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 21.80 vs. BAP: 28.60 )
BAP' s 10-Year Operating margin (%) Range
Min: 4.7   Max: 36
Current: 28.6
4.7
36
Net-margin (%) 23.5
BAP's Net-margin (%) is ranked higher than
81% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 15.70 vs. BAP: 23.5 )
BAP' s 10-Year Net-margin (%) Range
Min: 2.5   Max: 28.8
Current: 23.5
2.5
28.8
ROE (%) 19.4
BAP's ROE (%) is ranked higher than
96% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 5.20 vs. BAP: 19.4 )
BAP' s 10-Year ROE (%) Range
Min: 2.3   Max: 21.8
Current: 19.4
2.3
21.8
ROA (%) 2
BAP's ROA (%) is ranked higher than
95% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.50 vs. BAP: 2 )
BAP' s 10-Year ROA (%) Range
Min: 0.2   Max: 2.4
Current: 2
0.2
2.4
Revenue Growth (%) 18.4
BAP's Revenue Growth (%) is ranked higher than
97% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.00 vs. BAP: 18.4 )
BAP' s 10-Year Revenue Growth (%) Range
Min: 1.6   Max: 18.4
Current: 18.4
1.6
18.4
EBITDA Growth (%) 11.7
BAP's EBITDA Growth (%) is ranked higher than
87% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.00 vs. BAP: 11.7 )
BAP' s 10-Year EBITDA Growth (%) Range
Min: 11.7   Max: 24.2
Current: 11.7
11.7
24.2
EPS Growth (%) 13.8
BAP's EPS Growth (%) is ranked higher than
88% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.00 vs. BAP: 13.8 )
BAP' s 10-Year EPS Growth (%) Range
Min: -0.5   Max: 46.4
Current: 13.8
-0.5
46.4
ยป BAP's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

BAP Guru Trades in Q2 2012

George Soros 51,300 sh (New)
Ken Fisher 81,780 sh (New)
Steven Cohen 4,716 sh (+135.68%)
Jeremy Grantham 5,001 sh (+108.29%)
Jim Simons 410,600 sh (+35.6%)
Lee Ainslie 1,230,777 sh (+33.36%)
Chuck Royce Sold Out
Louis Moore Bacon Sold Out
Bruce Kovner Sold Out
» More
Q3 2012

BAP Guru Trades in Q3 2012

Bruce Kovner 5,200 sh (New)
Ken Fisher 143,690 sh (+75.7%)
Jim Simons 659,000 sh (+60.5%)
Jeremy Grantham 5,101 sh (+2%)
George Soros Sold Out
Steven Cohen Sold Out
Lee Ainslie Sold Out
» More
Q4 2012

BAP Guru Trades in Q4 2012

Steven Cohen 2,415 sh (New)
Louis Moore Bacon 12,500 sh (New)
Ken Fisher 152,415 sh (+6.07%)
Jeremy Grantham 213,211 sh (unchged)
Bruce Kovner 4,500 sh (-13.46%)
Jim Simons 512,700 sh (-22.2%)
» More
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
Bruce Kovner 4,200 sh (-6.67%)
Jim Simons 389,800 sh (-23.97%)
» More
» Details

Insider Trades

Latest Guru Trades with BAP

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Lee Ainslie 2012-09-30 Sold Out 2.3%$112.09 - $128.7 $ 130.268%0
George Soros 2012-09-30 Sold Out 0.09%$112.09 - $128.7 $ 130.268%0
Lee Ainslie 2012-06-30 Add 33.36%0.58%$117.31 - $136.27 $ 130.263%1230777
George Soros 2012-06-30 New Buy0.09%$117.31 - $136.27 $ 130.263%51300
Lee Ainslie 2012-03-31 Add 60.01%0.64%$104.85 - $130.16 $ 130.2618%922880
George Soros 2012-03-31 Sold Out 0.22%$104.85 - $130.16 $ 130.2618%0
Lee Ainslie 2011-12-31 New Buy0.88%$89.44 - $111.41 $ 130.2625%576769
John Griffin 2011-12-31 Sold Out 0.49%$89.44 - $111.41 $ 130.2625%0
George Soros 2011-12-31 Reduce -67.88%0.16%$89.44 - $111.41 $ 130.2625%47294
John Griffin 2011-09-30 Reduce -61.36%0.53%$82.25 - $102.79 $ 130.2639%258900
Ron Baron 2011-09-30 Sold Out 0.0017%$82.25 - $102.79 $ 130.2639%0
John Griffin 2011-06-30 Reduce -44.63%0.96%$82.55 - $107.78 $ 130.2636%670000
George Soros 2011-06-30 Add 227.65%0.13%$82.55 - $107.78 $ 130.2636%155960
Ron Baron 2011-06-30 Reduce -41.67%$82.55 - $107.78 $ 130.2636%3500
George Soros 2011-03-31 New Buy0.06%$97.22 - $119.77 $ 130.2622%47600
John Griffin 2010-09-30 Add 34.44%0.55%$91.34 - $117.3 $ 130.2626%1210000
Premium More recent guru trades are included for Premium Members only!!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 13.10
BAP's P/E(ttm) is ranked higher than
65% of the 1248 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.60 vs. BAP: 13.10 )
BAP' s 10-Year P/E(ttm) Range
Min: 6.2   Max: 36.59
Current: 13.1
6.2
36.59
P/B 2.50
BAP's P/B is ranked lower than
67% of the 1347 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.97 vs. BAP: 2.50 )
BAP' s 10-Year P/B Range
Min: 0.55   Max: 3.75
Current: 2.5
0.55
3.75
P/S 3.10
BAP's P/S is ranked higher than
52% of the 1433 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.33 vs. BAP: 3.10 )
BAP' s 10-Year P/S Range
Min: 0.63   Max: 5.16
Current: 3.1
0.63
5.16
PFCF 3.10
BAP's PFCF is ranked higher than
79% of the 1087 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 5.38 vs. BAP: 3.10 )
BAP' s 10-Year PFCF Range
Min: 1.3   Max: 17.48
Current: 3.1
1.3
17.48
EV-to-EBIT 21.7
BAP's EV-to-EBIT is ranked higher than
50% of the 1102 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.26 vs. BAP: 21.7 )
BAP' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 13.2
Current: 21.7
0.1
13.2
PEG 0.7
BAP's PEG is ranked higher than
74% of the 491 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.79 vs. BAP: 0.7 )
BAP' s 10-Year PEG Range
Min: 0.21   Max: 1.05
Current: 0.7
0.21
1.05
Shiller P/E 17.8
BAP's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: vs. BAP: 17.8 )
BAP' s 10-Year Shiller P/E Range
Min: 11.4   Max: 35.6
Current: 17.8
11.4
35.6

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.00
BAP's Dividend Yield is ranked higher than
58% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.69 vs. BAP: 2.00 )
BAP' s 10-Year Dividend Yield Range
Min: 0.97   Max: 4.41
Current: 2
0.97
4.41
Dividend Payout 0.2
BAP's Dividend Payout is ranked higher than
81% of the 951 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.30 vs. BAP: 0.2 )
BAP' s 10-Year Dividend Payout Range
Min: 0.15   Max: 0.46
Current: 0.2
0.15
0.46
Dividend growth (3y) 11.3
BAP's Dividend growth (3y) is ranked higher than
96% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.00 vs. BAP: 11.3 )
BAP' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 41.4
Current: 11.3
0
41.4
Yield on cost (5-Year) 3.49
BAP's Yield on cost (5-Year) is ranked higher than
79% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.26 vs. BAP: 3.49 )
BAP' s 10-Year Yield on cost (5-Year) Range
Min: 1.69   Max: 7.7
Current: 3.49
1.69
7.7

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 13
BAP's Price/Net Current Asset Value is ranked higher than
74% of the 356 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.20 vs. BAP: 13 )
BAP' s 10-Year Price/Net Current Asset Value Range
Min: 13.7   Max: 120
Current: 13
13.7
120
Price/Tangible Book 3
BAP's Price/Tangible Book is ranked lower than
66% of the 1191 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.10 vs. BAP: 3 )
BAP' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 4.2
Current: 3
0.6
4.2
Price/DCF (Projected) 0.5
BAP's Price/DCF (Projected) is ranked higher than
77% of the 679 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.60 vs. BAP: 0.5 )
BAP' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.8
Current: 0.5
0.2
0.8
Price/Median PS Value 1.2
BAP's Price/Median PS Value is ranked lower than
57% of the 1268 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.00 vs. BAP: 1.2 )
BAP' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.7
Current: 1.2
0.3
1.7
Price/Peter Lynch Fair Value 0.8
BAP's Price/Peter Lynch Fair Value is ranked higher than
72% of the 273 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.80 vs. BAP: 0.8 )
BAP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 0.9
Current: 0.8
0.4
0.9
Price/Graham Number 1.3
BAP's Price/Graham Number is ranked lower than
62% of the 1094 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.80 vs. BAP: 1.3 )
BAP' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.8
Current: 1.3
0.7
1.8
Earnings Yield (Greenblatt) 4.60
BAP's Earnings Yield (Greenblatt) is ranked higher than
67% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 4.10 vs. BAP: 4.60 )
BAP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7.6   Max: 3589.1
Current: 4.6
7.6
3589.1
Forward Rate of Return (Yacktman) 19.68
BAP's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1621 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.00 vs. BAP: 19.68 )
BAP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 19.4   Max: 62
Current: 19.68
19.4
62

Business Description

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: principally 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 four main subsidiaries are Banco de Credito del Peru, Atlantic Security Holding Corporation, El Pacifico-Peruano Suiza Compania de Seguros y Reaseguros and Grupo Credito S.A. 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.
Company Website
Industry: Banks - Regional - Latin America
Compare:ITUB, BBD, BDORY, BSBR, GPFOY
Traded in other countries:D8V.Germany
ยป More Articles for NYSE:BAP

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