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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 1.36
BAP's Cash to Debt is ranked lower than
52% of the 1162 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.79 vs. BAP: 1.36 )
Ranked among companies with meaningful Cash to Debt only.
BAP' s Cash to Debt Range Over the Past 10 Years
Min: 1.22  Med: 2.57 Max: 4.8
Current: 1.36
1.22
4.8
Equity to Asset 0.10
BAP's Equity to Asset is ranked lower than
52% of the 1660 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 higher than
51% of the 1543 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.64 vs. BAP: 1.69 )
Ranked among companies with meaningful Interest Coverage only.
BAP' s Interest Coverage Range Over the Past 10 Years
Min: 0.86  Med: 1.45 Max: 1.85
Current: 1.69
0.86
1.85
F-Score: 4
M-Score: -2.56
WACC vs ROIC
8.61%
85.07%
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 (%) 33.65
BAP's Operating margin (%) is ranked higher than
56% of the 1677 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 31.23 vs. BAP: 33.65 )
Ranked among companies with meaningful Operating margin (%) only.
BAP' s Operating margin (%) Range Over the Past 10 Years
Min: 25.87  Med: 32.35 Max: 36.02
Current: 33.65
25.87
36.02
Net-margin (%) 24.12
BAP's Net-margin (%) is ranked higher than
55% of the 1680 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 22.64 vs. BAP: 24.12 )
Ranked among companies with meaningful Net-margin (%) only.
BAP' s Net-margin (%) Range Over the Past 10 Years
Min: 17.12  Med: 23.74 Max: 28.8
Current: 24.12
17.12
28.8
ROE (%) 20.82
BAP's ROE (%) is ranked higher than
91% of the 1675 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.42 vs. BAP: 20.82 )
Ranked among companies with meaningful ROE (%) only.
BAP' s ROE (%) Range Over the Past 10 Years
Min: 14.41  Med: 21.65 Max: 24.34
Current: 20.82
14.41
24.34
ROA (%) 2.12
BAP's ROA (%) is ranked higher than
87% of the 1684 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.89 vs. BAP: 2.12 )
Ranked among companies with meaningful ROA (%) only.
BAP' s ROA (%) Range Over the Past 10 Years
Min: 1.48  Med: 2.19 Max: 2.35
Current: 2.12
1.48
2.35
Revenue Growth (3Y)(%) 13.10
BAP's Revenue Growth (3Y)(%) is ranked higher than
94% of the 1369 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.90 vs. BAP: 13.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BAP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.1  Med: 13.10 Max: 20.9
Current: 13.1
-0.1
20.9
EBITDA Growth (3Y)(%) 18.30
BAP's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1263 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.40 vs. BAP: 18.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BAP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 8.7  Med: 16.40 Max: 32.5
Current: 18.3
8.7
32.5
EPS Growth (3Y)(%) 14.20
BAP's EPS Growth (3Y)(%) is ranked higher than
54% of the 1248 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.40 vs. BAP: 14.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BAP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.5  Med: 18.40 Max: 65.3
Current: 14.2
-0.5
65.3
» BAP's 10-Y Financials

Financials (Next Earnings Date: 2016-05-06)


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

» Details

Guru Trades

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)
Paul Tudor Jones 3,370 sh (New)
Frank Sands 184,261 sh (+34.71%)
Jeremy Grantham 4,400 sh (+25.71%)
Ken Fisher 1,165,791 sh (+3.29%)
Sarah Ketterer 17,266 sh (unchged)
Pioneer Investments 2,098 sh (unchged)
John Rogers 43,518 sh (-17.29%)
Jim Simons 126,700 sh (-66.71%)
» More
Q1 2016

BAP Guru Trades in Q1 2016

Ken Fisher 1,226,662 sh (+5.22%)
» 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) 11.58
BAP's P/E(ttm) is ranked higher than
52% of the 1570 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.56 vs. BAP: 11.58 )
Ranked among companies with meaningful P/E(ttm) only.
BAP' s P/E(ttm) Range Over the Past 10 Years
Min: 7.06  Med: 16.08 Max: 21.97
Current: 11.58
7.06
21.97
Forward P/E 10.13
BAP's Forward P/E is ranked higher than
58% of the 368 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.76 vs. BAP: 10.13 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.58
BAP's PE(NRI) is ranked higher than
52% of the 1570 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.56 vs. BAP: 11.58 )
Ranked among companies with meaningful PE(NRI) only.
BAP' s PE(NRI) Range Over the Past 10 Years
Min: 7.06  Med: 16.08 Max: 23.81
Current: 11.58
7.06
23.81
P/B 2.64
BAP's P/B is ranked lower than
91% of the 1642 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.04 vs. BAP: 2.64 )
Ranked among companies with meaningful P/B only.
BAP' s P/B Range Over the Past 10 Years
Min: 1.43  Med: 3.07 Max: 5.06
Current: 2.64
1.43
5.06
P/S 2.82
BAP's P/S is ranked lower than
52% of the 1637 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.93 vs. BAP: 2.82 )
Ranked among companies with meaningful P/S only.
BAP' s P/S Range Over the Past 10 Years
Min: 1.74  Med: 3.51 Max: 5.95
Current: 2.82
1.74
5.95
EV-to-EBIT 8.66
BAP's EV-to-EBIT is ranked higher than
86% of the 1503 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.40 vs. BAP: 8.66 )
Ranked among companies with meaningful EV-to-EBIT only.
BAP' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.4  Med: 8.80 Max: 18.8
Current: 8.66
-0.4
18.8
EV-to-EBITDA 7.70
BAP's EV-to-EBITDA is ranked higher than
87% of the 1507 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.24 vs. BAP: 7.70 )
Ranked among companies with meaningful EV-to-EBITDA only.
BAP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.4  Med: 8.20 Max: 16.2
Current: 7.7
-0.4
16.2
PEG 0.90
BAP's PEG is ranked lower than
55% of the 724 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.03 vs. BAP: 0.90 )
Ranked among companies with meaningful PEG only.
BAP' s PEG Range Over the Past 10 Years
Min: 0.23  Med: 0.69 Max: 2.07
Current: 0.9
0.23
2.07
Shiller P/E 20.11
BAP's Shiller P/E is ranked lower than
67% of the 504 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 17.22 vs. BAP: 20.11 )
Ranked among companies with meaningful Shiller P/E only.
BAP' s Shiller P/E Range Over the Past 10 Years
Min: 12.87  Med: 28.34 Max: 48.52
Current: 20.11
12.87
48.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.69
BAP's Dividend Yield is ranked lower than
75% of the 2098 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.90 vs. BAP: 1.69 )
Ranked among companies with meaningful Dividend Yield only.
BAP' s Dividend Yield Range Over the Past 10 Years
Min: 0.98  Med: 1.70 Max: 4.09
Current: 1.69
0.98
4.09
Dividend Payout 0.18
BAP's Dividend Payout is ranked higher than
77% of the 1273 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.34 vs. BAP: 0.18 )
Ranked among companies with meaningful Dividend Payout only.
BAP' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.30 Max: 0.87
Current: 0.18
0.15
0.87
Dividend Growth (3y) 4.10
BAP's Dividend Growth (3y) is ranked lower than
76% of the 742 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.80 vs. BAP: 4.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
BAP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -38  Med: 11.10 Max: 57.1
Current: 4.1
-38
57.1
Forward Dividend Yield 1.69
BAP's Forward Dividend Yield is ranked lower than
77% of the 1965 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.74 vs. BAP: 1.69 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.25
BAP's Yield on cost (5-Year) is ranked lower than
66% of the 2495 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.43 vs. BAP: 2.25 )
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: 1.31  Med: 2.26 Max: 5.45
Current: 2.25
1.31
5.45

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.98
BAP's Price/Tangible Book is ranked lower than
89% of the 1634 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.11 vs. BAP: 2.98 )
Ranked among companies with meaningful Price/Tangible Book only.
BAP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.71  Med: 2.77 Max: 5.45
Current: 2.98
0.71
5.45
Price/Projected FCF 6.58
BAP's Price/Projected FCF is ranked lower than
99.99% of the 885 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.65 vs. BAP: 6.58 )
Ranked among companies with meaningful Price/Projected FCF only.
BAP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.51  Med: 2.51 Max: 7.93
Current: 6.58
0.51
7.93
Price/DCF (Earnings Based) 0.55
BAP's Price/DCF (Earnings Based) is ranked higher than
63% of the 87 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.71 vs. BAP: 0.55 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.80
BAP's Price/Median PS Value is ranked higher than
73% of the 1548 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.01 vs. BAP: 0.80 )
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: 0.66 Max: 1.55
Current: 0.8
0.18
1.55
Price/Peter Lynch Fair Value 0.82
BAP's Price/Peter Lynch Fair Value is ranked lower than
60% of the 438 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.83 vs. BAP: 0.82 )
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: 0.39  Med: 0.62 Max: 1.74
Current: 0.82
0.39
1.74
Price/Graham Number 1.24
BAP's Price/Graham Number is ranked lower than
81% of the 1461 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.82 vs. BAP: 1.24 )
Ranked among companies with meaningful Price/Graham Number only.
BAP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.69  Med: 1.25 Max: 2.15
Current: 1.24
0.69
2.15
Earnings Yield (Greenblatt) (%) 11.59
BAP's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 1644 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.90 vs. BAP: 11.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BAP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.3  Med: 11.30 Max: 261.8
Current: 11.59
5.3
261.8
Forward Rate of Return (Yacktman) (%) 14.20
BAP's Forward Rate of Return (Yacktman) (%) is ranked lower than
51% of the 843 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.13 vs. BAP: 14.20 )
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: 10.4  Med: 22.50 Max: 42.7
Current: 14.2
10.4
42.7

More Statistics

Revenue(Mil) $3921
EPS $ 11.86
Beta0.77
Short Percentage of Float1.26%
52-Week Range $81.78 - 157.89
Shares Outstanding(Mil)94.38

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 3,860 4,376 4,888
EPS($) 3.71 4.10 4.67
EPS without NRI($) 3.71 4.10 4.67

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:MEX:GFINBUR O, MEX:SANMEX B, XSGO:CHILE, NYSE:CIB, XSGO:BSANTANDER » 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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More From Other Websites
Credicorp Ltd. Reports First Quarter 2016 Earnings May 05 2016
CREDICORP LTD Financials May 05 2016
Q1 2016 Credicorp Earnings Release - After Market Close May 05 2016
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Credicorp announces filing of the 2015 Annual Report on Form 20-F Apr 29 2016
[$$] MSCI Peru ruling threatens to unbalance Frontier index Apr 29 2016
Credicorp Ltd. First Quarter 2016 Results Invitation Apr 27 2016
Credicorp Ltd. : Credicorp's 1Q16 quiet period Apr 13 2016
Peru: If Stocks Demoted to MSCI Frontier, Bonds Better? Apr 11 2016
Peru Stocks Higher On Election Runoff Prospects Apr 11 2016
A Volatile Sol Greets Peru's Election Day; Volatility Hits 7-Year High Apr 08 2016
Peru Looks Golden, Despite Mining Slowness & Election Jitters Mar 15 2016
Emerging Market Banks: As Oil Rises, Worst Over? Mar 14 2016
20 Emerging Market Stock Faves From Citi's Upgrade Feb 25 2016
Credicorp Ltd. Earnings Analysis: 2015 By the Numbers Feb 11 2016
Edited Transcript of BAP earnings conference call or presentation 9-Feb-16 2:30pm GMT Feb 09 2016
Q4 2015 Credicorp Earnings Release - 6:00 pm ET Feb 08 2016
Credicorp Ltd. breached its 50 day moving average in a Bullish Manner : February 1, 2016 Feb 01 2016
Will Peru Be Demoted to a 'Frontier Market' This Year? Jan 20 2016
Credicorp Ltd. Fourth Quarter 2015 Results Invitation Jan 19 2016

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